vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
Account was closed previously and paid in full XX/XX/scrub>XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am filing this complaint under the Fair Credit Reporting Act ( FCRA ) regarding inaccurate information that remains on my credit report, which the credit reporting agency has falsely verified.

I previously disputed multiple accounts ( e.gXXXX XXXX XXXX  : Acct # XXXXXXXX XXXX XXXX XXXX XXXX  ) as inaccurate and unverifiable. However, the credit reporting agency merely confirmed with the furnisher, without providing any documentation supporting the debtsuch as a signed contract or itemized billing statement as required by FCRA 611 ( a ) ( 7 ).

Ive attached a copy of the credit report showing inconsistent data across all three bureaus, including differing date last active, credit limits, and comments related to dispute resolution. These inconsistencies suggest unreliable or incomplete recordkeeping, and further support the claim that the accounts were not properly verified. The bureaus continued reporting this account despite failing to provide evidence upon request. 

Under FCRA 611 ( a ) ( 5 ), unverifiable or inaccurate information must be deleted. Their failure to do so violates my rights. I respectfully request the CFPB to initiate an investigation and require the credit reporting agency to : Remove the XXXX  XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  any other unverifiable accounts ; Provide an explanation for how they verified the account without documentation ; Ensure full compliance with FCRA guidelines in future dispute resolution efforts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

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

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Remove all below Inquiries from my credit file as they ar Fraudulent. I have contacted the creditors and was told that they had no information of me in their systems therefore there was nothing that they could do. REMOVE IMMEDIATELEY!!!!!!!!! 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently reviewed my credit report and noticed several accounts that I did not open and do not recognize. These accounts are reporting negatively and have had a serious, detrimental impact on my credit and overall financial stability. I believe I am a victim of identity theft. The following accounts were fraudulently opened in my name

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently reviewed my credit report and noticed several accounts that I did not open and do not recognize. These accounts are reporting negatively and have had a serious, detrimental impact on my credit and overall financial stability. I believe I am a victim of identity theft. The following accounts were fraudulently opened in my name

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I am writing to dispute the reappearance of an account that was previously removed from my credit report after a formal dispute. The account in question is : Creditor : LVNV Funding Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Amount : {$630.00} Original Deletion Date : XX/XX/XXXX Re-inserted Without Notice Under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 5 ) ( B ), a consumer reporting agency must notify a consumer within 5 business days if previously deleted information is reinserted into the file. I was not notified, and I did not receive any new evidence of verification.

I request the immediate removal of this reinserted item, along with a full explanation and proof of any verification received that led to its reappearance. If you are unable to provide this, the item must be removed and not reinserted unless full compliance with FCRA is met. 

XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Subject : Credit Bureau Failed to Correct Inaccurate Late Payments After Reinvestigation XXXX XXXX Account Complaint : I am filing this complaint against the credit reporting agency for failing to properly reinvestigate and remove inaccurate late payments reported on my XXXX XXXX account, in violation of my rights under 15 U.S. Code 1666 ( b ) and 15 U.S. Code 1681 ( a ) ( 2 ) ( A ) ( i ).

Despite submitting a formal dispute regarding the late payments reported by XXXX XXXX, the credit bureau completed the reinvestigation without providing the reasonable procedures or required documentation to verify the accuracy of the negative information. 

Per 15 USC 1666 ( b ), creditors are required to provide proof that billing statements are sent at least 21 days prior to the due date to ensure fair notice. The credit bureau has failed to obtain or present any such evidence from XXXX XXXX. 

Furthermore, under 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), a consumer report should not contain information based solely on transactions or experiences between the consumer and the creditor if it negatively affects the consumers credit standing. The late payments reported by XXXX XXXX directly impact my credit profile and are part of my direct transaction history with the creditor, which should not be furnished without proper validation. 

Since the credit bureau failed to correct or remove this information after my dispute and did not provide legally required documentation justifying its continued reporting, I am requesting that the CFPB investigate this matter and ensure that the inaccurate late payments are permanently removed from my credit report. 

Account involved : XXXX XXXX XXXX Relief sought : Immediate deletion of the inaccurate late payments from all consumer reporting agencies and confirmation of correction sent to me in writing.

Thank you for your assistance in protecting my rights under the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( 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 non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: VA

Complaint narrative:
On XX/XX/XXXX I purchased a service from XXXX. The XXXX never gave me my service that was {$600.00} in the time allotted so then I requested a refund since I did not receive my service at all and the person then scammed me out of my money and never gave me my refund or the service that was supposed to be purchased. I then contacted Chime and disputed the transaction three different times provided the information that they asked for and chime keeps denying my request and will not return my funds of {$600.00} even though I proved to them with documents that showed I was scammed out of {$600.00} by a merchant, they will not allow me to file an appeal unless I have more documentation, and I have given them every single documentation they have asked for and have no information to provide and disputed three different times.I have been a member of Chime since XXXX and have never had any issues with charm until now I will be changing banks because of this because Chime does not protect their customers of scammers or fraud.

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

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume 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 2025-07-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Opportunity Financial, LLC
State: OK

Complaint narrative:
I am filing a formal complaint against OppLoans ( Opportunity Financial , LLC ) and its partner XXXX XXXXXXXX XXXX  regarding what I believe to be predatory lending practices. 

On XX/XX/year>, I entered into a loan agreement with OppLoans for a loan of {$2000.00}. The disclosed Annual Percentage Rate ( APR ) on this loan is a staggering 159.56 %, resulting in {$1400.00} in finance charges for a loan that is supposedly designed to help individuals with poor credit. The total repayment amount is {$3400.00}, nearly double the amount borrowed. 

OppLoans operates through XXXX XXXXXXXX XXXX, a Utah-based institution, in what appears to be a rent-a-bank arrangement to evade Oklahomas usury laws, which normally prohibit such exorbitant interest rates. While technically legal under federal preemption, this practice undermines state consumer protections and exposes vulnerable borrowers like myself to unconscionable lending terms. 

I believe this violates the spirit of fair lending and the intent of Oklahomas usury laws, and possibly the Dodd-Frank Acts prohibition on unfair, deceptive, or abusive acts or practices ( UDAAP ). 

This loan was marketed as a credit-building tool, but in reality, it places borrowers in a debt trap. I am requesting that the CFPB investigate this matter, evaluate the legality and ethics of OppLoans lending practices, and consider stronger federal enforcement or rulemaking to prevent the abuse of rent-a-bank schemes. 



Loan Details : Lender : XXXX XXXX XXXX XXXX  OppLoans Loan Amount : {$2000.00} Finance Charge : {$1400.00} APR : 159.56 % Loan Date : XX/XX/year> Borrower : XXXX XXXX State of Residence : Oklahoma Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

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

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Maximus Federal Services, Inc.
State: TN

Complaint narrative:
An account was opened in my name in XX/XX/year> from XXXX and now owned by Aidvantage from XXXX  XXXX University. I have never had a student loan nor did I go to XXXX. I was living in XXXX, Tn employed by XXXX XXXX at this time and still a present employee with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

Complaint narrative:
I am filing a complaint against Cash APP Block , inc due to inadequate customer service and unfair practices, which violate consumers Financial Protection Act ( CFPA ). Specially, Cash APP failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and protected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulations E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

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

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX EXPERIAN XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXXXXXX Consumer Date of Birth : XX/XX/XXXXXXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXXXXXX. on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$23000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit 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 explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation