vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 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: TX

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
For the last 6 months, I have been sending all XXXX Credit Bureaus letters to investigate inaccuracies on my reports. 
Despite repeated disputes submitted in accordance with the Fair Credit Reporting Act ( FCRA ), the credit bureaus have failed to investigate and correct inaccurate entries on my credit reports. This violates XXXX XXXX XXXX XXXX ( Section XXXX ), which requires credit reporting agencies to conduct a reasonable reinvestigation when notified of errors. 

I also invoked my rights under XXXX XXXX XXXX XXXX ( Section XXXX ), requesting all relevant information in the consumer 's file, including the source of disputed data. The bureaus did not provide complete or verifiable documentation to support the accounts in question. 

Furthermore, under XXXX XXXX XXXX XXXX, a creditor may not treat a payment on a disputed account as late yet inaccurate reporting continues, negatively impacting my creditworthiness and financial access. 

These actions constitute a clear breach of federal compliance, and I am requesting immediate correction, removal of unverifiable items, and confirmation of updated records. The ongoing negligence has caused measurable harm, including denial of financial products and emotional distress.

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
For the last 6 months, I have been sending all XXXX Credit Bureaus letters to investigate inaccuracies on my reports. 
Despite repeated disputes submitted in accordance with the Fair Credit Reporting Act ( FCRA ), the credit bureaus have failed to investigate and correct inaccurate entries on my credit reports. This violates XXXX XXXX XXXX XXXX ( Section XXXX ), which requires credit reporting agencies to conduct a reasonable reinvestigation when notified of errors. 

I also invoked my rights under XXXX XXXX XXXX XXXX ( Section XXXX ), requesting all relevant information in the consumer 's file, including the source of disputed data. The bureaus did not provide complete or verifiable documentation to support the accounts in question. 

Furthermore, under XXXX XXXX XXXX XXXX, a creditor may not treat a payment on a disputed account as late yet inaccurate reporting continues, negatively impacting my creditworthiness and financial access. 

These actions constitute a clear breach of federal compliance, and I am requesting immediate correction, removal of unverifiable items, and confirmation of updated records. The ongoing negligence has caused measurable harm, including denial of financial products and emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: NV

Complaint narrative:
I am writing to report that I am a victim of identity theft, and I am requesting the immediate removal of fraudulent information from my credit report. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), the credit bureaus are obligated to delete such information within 4 business days of receiving the request. Some of the data on these accounts is unfamiliar to me, and I am concerned about the accuracy and authenticity of the entries. Several of these entries have already been removed from other bureaus, which further supports my claim of fraudXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FIRST NATIONAL BANK OF OMAHA
State: IL

Complaint narrative:
This company is reporting this account to my credit and its been XXXX years since it was closed in XXXX months it needs to be removed.

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 2025-07-15 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: TX

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA XXXX ( XXXX XXXX. XXXX ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-07-15 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 am extremely dissatisfied with the failure to comply with section FCRA XXXX ( XXXX XXXX. XXXX ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In light of repeated reinvestigations, as documented in the CFPB filing referenced below, and the continued reporting of this account, I respectfully request its removal under XXXX U.S.C. XXXX ( a ) ( XXXX ). 

Please read the document attached below.

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 2025-07-15 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: UT

Complaint narrative:
So I have a checking savings and a credit builder account with chime financial. I still owed on my credit builder account. However, I had been making monthly payments so I should not have been red flagged yet. Well I got myself in a situation where I'm stranded on the side of the road out of gas and I had a good friend send me {$20.00} to my chime account so that I could get gas. Within mere seconds, the credit builder card stole that {$20.00} and would not let me transfer it back. I called chime and I spoke with XXXX different chime financial members, XXXX of which kept calling me ma'am, even though I kept correcting them letting them know I was a male. XXXX of them hung up on me when I asked to speak with a supervisor and then the last person I spoke with was a supervisor who told me that there was nobody higher than him. Management wise he refused to give me the corporate office number and he told me that I should have planned better to not get in the situation that I was

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Systems International, Inc.
State: NY

Complaint narrative:
Under the Fair Debt Collection Practices Act ( FDCPA ), you have the right to request that a debt collector verify the debt. Credit System Inter never verified with me how they own or who the debt original creditor was with a violation itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Under the Fair Debt Collection Practices Act ( FDCPA ), you have the right to request that a debt collector verify the debt. LVNV Funding never verified with me how they own or who the debt original creditor was with a violation itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: WA

Complaint narrative:
b'Transunion,\n\nI am BEYOND upset and extremely suicidal over your actions! I spent 2 1/2 hours on the phone AGAIN today with you and your special handling department. I cannot keep dealing with this! I have had extreme identity theft off and on the last near 10 years! Sending you these documents right now via email is INCREDIBLY risky and insecure as it contains VERY sensitive information. But because of everything below, your team is telling me to EMAIL these documents!\n\nI am unable to dispute anything online the Transunion website, upload documents, or dispute anything with XXXX So please fix this ASAP! I just spoke with the special handling department AGAIN because you have not blocked 2 fraudulent items on my credit report! Its ONLY YOU GUYS SCREWING ME OVER - ONLY YOU! DELIBERATELY DISCRIMINATING AGAINST ME, VIOLATING MY SCRA AND FAIR CREDIT REPORTING RIGHTS, ADA PROTECTIONS, ETC BY NOT FIXING THIS!\n\nXXXX took care of it and my credit score is now XXXX XXXX has it at around XXXX and TRANSUNION HAS IT AT JUST XXXX! TWO FRAUDULENT ACCOUNTS NEED TO BE TAKEN OFF AND REMOVED IMMEDIATELY!! XXXX XXXX XXXX XXXX THEY NEED TO BE PERMANENTLY BLOCKED LIKE THE OTHER CREDIT BUREAUS HAVE DONE! PLEASE UPLOAD ALL THE DOCUMENTS INTO MY PORTAL (FTC IDENTITY THEFT REPORT DOCUMENTS, MY IDENTIFICATION, POLICE DOCUMENTS, AND CFPB DOCUMENTS ASAP)! And fix the online portal so I dont have to continue spending HOURS the last few months on the phone or emailing your team! The supervisor in the special handling department was trying to find all the documents (below) I sent to you in XXXX and earlier this month! And couldnt find it! And even with him authenticating me, the online portal to upload the documents STILL DOES NOT WORK.\n\nIf this isnt fixed by next week Im filing a FCRA lawsuit against you guys for the amount of damages, physical and XXXX XXXX this has caused me the last 10 years.'

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 2025-07-15 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: IN

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Works & Lentz of Tulsa, Inc.
State: AR

Complaint narrative:
Category : Debt Collection Subcategory : Attempts to collect debt not owed Company : Works & Lentz , Inc. 
Account File No. : XXXX Amount Claimed : {$25000.00} Date of Issue : XX/XX/year> Complaint Description : I am filing this complaint regarding an alleged debt collection effort from Works & Lentz , Inc., on behalf of XXXX XXXX XXXX XXXX. I received a letter dated XX/XX/year>, demanding payment of {$25000.00} for a relocation bonus ( {$10000.00} ) and sign-on bonus ( {$15000.00} ) previously issued during my employment. 
I dispute this debt and requested validation per the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g. I demanded : Proof that Works & Lentz is licensed to collect debt in the state of Arkansas A copy of the original signed contract showing I agreed to repay the bonus An itemized breakdown of the amount owed To date, they have failed to provide this documentation but continue to attempt collection. I consider this a violation of the FDCPA. 
I am requesting that Works & Lentz cease all collection activity until full validation is provided, and that the CFPB investigate this matter for compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX To Whom It May Concern, I am writing to formally request the removal of all dispute-related comments and dispute codes from my credit file for all accounts that have been marked with dispute language within the past 24 months.

This includes, but is not limited to, any notations such as : " Consumer disputes this account information '' " Account in dispute under Fair Credit Billing Act '' " Dispute resolved; consumer disagrees '' " Meets FCRA requirements '' Any other dispute code or notation currently associated with any tradeline on my credit report I am no longer disputing any of the previously challenged accounts and request that you update my file to reflect that there are no active or prior disputes. This request is being made to ensure the accuracy and completeness of my consumer file and to avoid any future confusion, misrepresentation, or the risk of disputes being marked as frivolous or duplicative. 

Please confirm in writing once this update has been completed. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to maintain accurate and up-to-date credit reporting. 

Thank you for your attention to this matter. I look forward to your timely response. 

Sincerely, 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