vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Unauthorized access to my credit report by several companies has directly harmed both my credit standing and credit score. 
I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. Unfortunately, this promise has not been fulfilled, as the inquiries still remain on my 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
Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westcreek Financial
State: IL

Complaint narrative:
I am submitting this complaint because Koalafi has reported my account as a charge-off to the credit bureaus, yet they have not provided me with an IRS Form 1099-C. Under 26 U.S.C. 6050P and 26 C.F.R. 1.6050P-1, financial institutions are required to file and furnish Form 1099-C when {$600.00} or more of indebtedness has been canceled, discharged, or otherwise deemed uncollectible. The reporting of a charge-off creates ambiguity regarding whether Koalifi has , in fact, treated the debt as canceled for tax purposes. 
I have attempted to contact Koalafi to obtain clarification and request the Form 1099-C, but I have not received confirmation of the accounts status or any documentation showing whether a cancellation of debt occurred. Without this form, I can not accurately comply with federal tax reporting requirements. 
I am requesting the CFPBs assistance in ensuring that Koalafi : Confirms whether the debt has been canceled, discharged, or otherwise abandoned ; and Provides a Form 1099-C if required under 26 U.S.C. 6050P and 26 C.F.R. 1.6050P-1.

Thank you for your help in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-11-28 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: Chime Financial Inc
State: KS

Complaint narrative:
On XX/XX/year>, my Chime account was charged 2 times claiming, instore purchase at XXXX in XXXX XXXX, XXXX purchases of {$48.00} dollars each. At first i instantky disputed the charges with chime and then apon denial i called the store directly, i spent 3 days trying to get ahold of the store manager, not included over the weekend. And finally received the number for the corporate office. I spoke to the head of the billing department and they confirmed there was no charge related to my card on file. They even emailed me proof that they spoke with me and that their system has no record of the purchases. 

After spending a total of 18 hours talking to people that can barely speak english, being hung up on, cussed at and having no documents sent to me regarding an investigation, even asking them to prove and provide me with statements that theyve requested merchant data and received it. i am still without my funds that had been intercepted. The last call i made i was told to prove that i was in XXXX instead of XXXX where the transactions appear to be made per chime statement, i sent a screenshot of my location for the entire day of the XXXX of XXXX on google maps timeline. Yet still quickly denied. They are behaving unprofessionally and i need my money returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: VA

Complaint narrative:
LISTED IN THE FTC REPORT ATTATCEHD ARE THE ACCOUNTS LISTED ON MY REPORT. THESE ARE DUE TO IDENTY THEFT AND EQUIFAX DATA BREACH AND UNABLE TO SECURELY STORE MY INFORMATION. THIS IS NOW THE 3RD COMPLAINT I HAVE SUBMITTED WITH NO RESOLUTION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: GA

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Global Trust Management LLC
State: MO

Complaint narrative:
I received a phone call from global trust and they lied about who they were on the phone. My wife told me who was calling and why and the woman said you can whisper all you want and got very unprofessional which angered us. The woman got called out for her attitude and hung up. Then we called back and talked to a XXXX XXXX who was highly unprofessional. I explained to him that my XXXX wife had taken out a bunch of loans in my name before she XXXX XXXX and he was ignorant and abusive about it. Which yes we did get ugly back. I called back talked to his XXXX who got an attitude bc my wife was calmly explaining to her what happened and she said my wife was talking over her which was not happening. I recorded the whole phone call. These people are rude and get even more combative when told they are being unprofessional and ignorant. The man threatened us. So I told him to come find me bc he had my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: NC

Complaint narrative:
My account was closed. Not sure as to the reason. Did reach out to the company to get more information and a generic email was sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I asked XXXX, XXXX, XXXX, Experian, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX built factor trust, to erase name, adress, accounts that are not mine and Busisness account to not report to personal credit and they have not done it. All this berau needs to erase wrong items on my file and they keep on verifying it as accurate when nothing matches to the information. The name on the credit file is not correct the adress is not correct and I sent them the bank statement, as well as social security card as well as register mail with police report with ftc report and they still dont erase FRAUDALENT information. These errors violate the Fair Credit reporting Act ( FCRA ) including, 602,607 ( b ) ,611and 623 as the information does not belong to me and is to a different person with different identity. Under FCRA : 607 ( b ) yoU must maximum possible accuracy reporting another persons name violates this requirement and must be deleted. Requested action under FCRA I requested that XXXX, XXXX, Experian, XXXX, XXXX, XXXX, XXXXi, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX report accurate name and accurate adress and to erase fraudulent adress I disputed plenty of times causing me harm loosing jobs opportunities and not been able to get a home.. I had identy theft and I ask all this companies to erase all inaccurate information that they are violating the law and after they had breach of my information causing me all this they also do not want to erase the inaccuracy of those 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 explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: AR

Complaint narrative:
Im unaware of this debt and did not have the opportunity to dispute this account nor did I receive proper notification. Noncompliance will constitute : Willful violations ( 15 U.S.C. 1681n ) Negligent violations ( 15 U.S.C. 1681o )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: IL

Complaint narrative:
This complaint concerns the XXXX Department of Education Federal Student Aid Borrower Defense Unit. My Borrower Defense application case is marked as denied in the StudentAid.gov system, but I never received a denial letter, written decision, or explanation. My servicer, XXXX, confirmed they have not received any decision from the Department of Education. The Department of Education failed to issue the required written notice or processed the case incorrectly. I am requesting that the Borrower Defense Unit provide the written determination, findings, and evidence used in the review, or confirm whether the denial status is an error.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-28 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 LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2025-11-28 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:
I am filing this report because it is formally address a violation of the Fair Credit Reporting Act ( FCRA ) Section 611 ( B ) regarding the fraudulent material are reporting in my credit file. There is a fraudulent account was opened under my name without my knowledge and I am asking to block and delete this fraudulent account because I have no knowledge about them. And also, TransUnion premaritally blocked accessing my online account without letting me know. I have sent all documentation they requested asking to remove any block or internal lock from my service.transunion.com online account but they stated that they never remove the block online account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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 am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2025-11-28 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: FL

Complaint narrative:
XXXX XXXX is reporting a debt to the credit bureaus that they can not validate. 
I submitted a written validation request under FDCPA 809 ( b ) and FCRA 609, 611, and 623.

Their mailed response ( uploaded as evidence ) only contained internally generated Account Summary Reports and old XXXX XXXX statements. It did not include : The original contract with my signature Chain of title showing XXXX  XXXX legally transferred this account to LVNV A Bill of Sale that includes my specific account Any proof of ownership or legal right to collect in Florida Full itemized account ledger This means they can not legally verify the debt, yet they continue to report it to the credit bureaus and continue collection activity.

This violates : FDCPA 809 ( b ) FDCPA 807 ( 2 ), 807 ( 10 ) FCRA 623 ( a ) ( 1 ) ( A ) FCRA 611 ( a ) ( 2 ) - ( 5 ) FCCPA 559.72 ( 9 ), 559.72 ( 15 ) I am requesting the CFPB require LVNV/Resurgent to either : Provide full legal validation ( not internal summaries ), OR Delete the account from all credit bureaus ( Experian, Equifax, TransUnion ) This account is harming my credit, and the company has failed to meet federal and state validation requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: GA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-11-28 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:
You are just a consumer that is trying to fix your credit. Below are the accounts in dispute separated by each bureau : CHARGED OFF XXXX XXXX XXXX XXXX  {$290.00} XXXX, XXXX, XX/XX/XXXX, {$120.00} INQUIRIES XXXX XXXX XXXX XXXX XXXX  LATE 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 2025-11-28 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:
Experian is refusing to block fraudulent identity theft information as required under FCRA 605B. I submitted a full identity-theft package including a notarized FTC Identity Theft Report, my police report filed XX/XX/XXXX ( Case No. XXXX, XXXX XXXX XXXX XXXX XXXX ), my drivers license, Social Security card XXXX utility bill, and complete personal statement. 

Experian continues to report the fraudulent Affirm account ( XXXXXXXX XXXX XXXX  ) and fraudulent inquiries : XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX  XXXX XXXX ( XX/XX/XXXX ), and XXXX XXXX XXXX XX/XX/XXXX ). I did not authorize any of these inquiries or applications. These inquiries were obtained without permissible purpose under FCRA 604 ( a ).

Experian has refused to block these items, claiming the documents did not meet requirements, that the items were previously disputed a different way, or that my police report was online generated, all of which are untrue. My police report is signed and law-enforcement-filed. Experian also stated their system can not block these items and refuses to tell me why. These reasons are not recognized under FCRA 605B. 

XXXX  and XXXX  accepted the same documents for blocking/deleting other fraudulent items. Experian is the only bureau refusing to comply. Their continued reporting has caused real harm, including credit denials and interference with personal and business transactions.

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 2025-11-28 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: MA

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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:
Im reaching out because the listed accounts arent mine and I didnt approve them. Im asking for a review and removal. Supporting documents are attached.

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 2025-11-28 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 dont recognize the accounts shown and never authorized them. Please look into this and remove them. Ive attached evidence.

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 2025-11-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
Dear Consumer Financial Protection Representative, I am writing to file a formal complaint regarding XXXX American Express gift cards I purchased and never usedone for {$25.00} and XXXX for {$50.00}. Both cards clearly show an expiration date of XX/XX/year>, which means they are still valid and active. 
I recently discovered that because the cards had not been used for the past XXXX years, the funds were transferred to XXXX XXXX without my knowledge or permission. This is extremely concerning, as the cards have not expired and should still retain their full value. There was no proper notification, and I was not given any opportunity to use or claim the funds before they were taken. 
I am requesting that the full balances of these gift cards be restored to me immediately. It is unreasonable and unfair for my money to be removed from valid, unexpired cards. 
Please advise on the next steps required to resolve this matter and return the funds to me as soon as possible. 
Thank you for your attention.

Company response to consumer: Closed with explanation