vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 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: NY

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding inaccurate information on my credit reports with XX/XX/XXXX, XX/XX/XXXX, and TransUnion. 

All three bureaus are currently reporting me as a bad creditor despite the fact that I have fully paid off all of my debts and do not owe any outstanding balances. I have attached proof of payment and account closure from my creditors. 

This inaccurate reporting is a violation of the Fair Credit Reporting Act ( FCRA ), as the information is not accurate or complete. I have already disputed this information with the credit bureaus, but the negative items remain. 

I respectfully request that the CFPB compel XX/XX/XXXX, XX/XX/XXXX, and TransUnion to : 1. Conduct a proper investigation.

2. Remove the inaccurate bad creditor reporting from my file.

3. Update my reports to show all accounts as paid/closed with {$0.00} balances.

All the documents attached show that i am not owing any of the amounts that led to this report on my credit.

This incorrect reporting has harmed my creditworthiness and financial opportunities, and I ask for urgent resolution.

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 2025-08-27 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: NM

Complaint narrative:
This complaint is legitimate and requires immediate attention. My credit report contains inaccurate information that fails the FCRAs maximum possible accuracy standard ( 15 U.S.C. 1681e ( b ) ). These errors are causing serious, ongoing harm.

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 2025-08-27 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: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: NM

Complaint narrative:
This complaint is legitimate and requires immediate attention. My credit report contains inaccurate information that fails the FCRAs maximum possible accuracy standard ( 15 U.S.C. 1681e ( b ) ). These errors are causing serious, ongoing harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: TX

Complaint narrative:
b'Remitly (Multi-Factor Authentication Issue) XXXX XXXX XXXX XXXX XXXX XXXXIssue: Lack of Multi-Factor Authentication (MFA) exposes consumers to fraud and financial loss.\n\nDescription of Complaint:\n\nRemitly does not provide multi-factor authentication (MFA) for account access or money transfers, unlike most other financial institutions and money transfer services. This creates a severe security risk.\n\nIn my case, my phone was compromised and unauthorized transfers were made through Remitly through my XXXX XXXX XXXX for XXXX  in a total of 3 tranactions. Because Remitly does not require MFA (such as a one-time code via XXXX/email, push notification, or secondary device verification), anyone who steals or gains access to a customers phone can immediately access their Remitly account and drain linked bank funds.\n\nThis risk is unique to Remitly: other financial apps (banks, XXXX XXXX XXXX etc.) require MFA or additional verification for transfers. Remitly allows money to leave a customers bank account without the standard security checks that are industry practice.\n\nRemitly profits from each transfer regardless of whether it is fraudulent. This creates an incentive for them to prioritize transaction volume over consumer security. Their failure to implement MFA is an unfair and unsafe business practice because:\n\nIt exposes customers to greater fraud risk than comparable services.\n\nIt causes financial harm when accounts are drained after phone theft or compromise.\n\nConsumers reasonably expect the same level of protection that is standard across the financial services industry.\n\nRequested Resolution:\n\nThe CFPB should investigate Remitlys security practices.\n\nRemitly should be required to implement multi-factor authentication for transfers and account access, consistent with industry standards.\n\nConsumers who have suffered losses due to this lack of MFA should be reimbursed.\n\nXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV Funding LLC {$4100.00} Looking for Method of Debt Verification How was this account confirmed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: NJ

Complaint narrative:
I am writing to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. Please delete this items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: NY

Complaint narrative:
I am submitting this complaint against Equifax Information Services for willful and repeated violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in connection with identity theft affecting my credit file. Despite providing Equifax with an FTC Identity Theft Report, supporting documentation, and a clear dispute of fraudulent accountsincluding a XXXX XXXX account fraudulently opened in my nameEquifax has blatantly failed to meet its legal obligations. Specifically, they refused to conduct a reasonable investigation under 1681i ( a ) ( 1 ), failed to provide investigation results within XXXX XXXX under 1681i ( a ) ( 6 ), and failed to block fraudulent information as required by 1681c-2. These failures not only violate federal law but also cause ongoing and severe harm to my credit, reputation, and financial standing. 

XXXX disregard for my federally protected rights demonstrates bad faith and negligence. Courts have consistently held credit bureaus liable in similar cases ( XXXX v. TransUnion, XXXX XXXX XXXX, XXXX v. TransUnion ). XXXX refusal to act places them in the same category of misconduct that has resulted in substantial damages against other agencies.

I am demanding that the CFPB order Equifax to immediately : ( 1 ) conduct a thorough and lawful reinvestigation ; ( 2 ) provide me with a complete written explanation of their findings ; and ( 3 ) permanently delete and block all fraudulent information, including the XXXX XXXX account in question, from my credit report. XXXX willful noncompliance must not go unchecked. If not corrected, I reserve the right to pursue statutory damages, punitive damages, and attorneys fees under 1681n and 1681o.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: NJ

Complaint narrative:
I am writing to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. Please delete this items as soon as possible.

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 2025-08-27 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: NJ

Complaint narrative:
I am writing to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. Please delete this items as soon as possible.

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 2025-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: CO

Complaint narrative:
I first found this complaint on XX/XX/XXXX I had someone who was living with me who helped take care of me who was accessing my phone and using my card without my knowledge for months on end. When this all came to a head he was confronted and he grabbed all his things and moved out I found my lost card in his room after we cleaned up his room that he was staying in. I then filed a police report with my local police department got the police report number and still nothing from chime. Part of my claim was already paid back spree website they already had paid back and they said the error had occurred but yet the same types of transactions were committed on other gambling websites. Time will file the dispute wait till the 9th day to deny it I'll refile that wait till the 9th day tonight they're done this five times to me now I think they're doing it just cuz I don't want to give me the provisional credit because the amount is over {$3000.00}. They haven't even explain to me why they keep denying the claim I don't understand there was a police report the crime was committed I know the person who committed it I've told the police I've sent them a copy of the report but yet they keep denying my claim I don't understand.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
am filing this complaint regarding a {$2500.00} Vehicle Service Contract ( XXXX ) that was financed into my auto loan with Credit Acceptance when I purchased a XXXX XXXX XXXX from XXXXXXXX XXXX XXXX XXXX  on XX/XX/XXXX. 

Summary of Issue : The XXXX was financed into my loan ( see Loan Agreement Credit Acceptance.pdf ). 

The contract was administered by XXXX XXXX XXXX XXXX ( see Vehicle Service Contract First Automotive.pdf ). 

I have made every payment on time, yet I am still being charged interest on this {$2500.00} product ( see XXXX XXXX XXXX XXXX ). 

What Happened : I contacted the warranty administrator ( XXXX XXXX ) in XX/XX/XXXX to cancel. They told me cancellation must go through the selling dealer. I documented this call ( see XXXX XXXX XXXX XXXX ). 

I contacted the selling dealer, XXXX XXXX XXXX XXXX, in writing ( see Certified Letter to Dealer Cancellation Request.pdf ). 

The dealer replied by email, admitting my warranty is expired due to mileage and refusing to process cancellation or refund ( see Dealer Email Response XXXX XXXX ). 

When I requested a copy of the actual contract terms, the dealer refused and told me to contact the finance company ( see XXXX XXXX XXXX XXXX XXXX ). 

I also requested Credit Acceptance adjust my loan balance since I am paying for a product that is no longer valid ( see XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). 

Why This Is a Problem : I was sold a {$2500.00} warranty at XXXX miles that became worthless within 18 months/50,000 miles. 

The dealer refuses to provide contract documentation or process a refund. 

The administrator says it must go through the dealer.

The lender, Credit Acceptance, continues to charge me interest on this add-on. 

This appears to be misrepresentation and unfair lending practices. 

What I Am Requesting : A full copy of the Vehicle Service Contract and its cancellation/refund provisions. 

Immediate removal of the {$2500.00} charge from my loan balance if the dealer refuses cancellation/refund.

Assurance that I will not continue paying interest on an add-on product that was sold under false or misleading terms.

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 2025-08-28 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: GA

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 605B ( 15 U.S.C. 1681c-2 ). 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 4 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 2025-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
I sent a police report and about four letters provided information about fraud and they keep harassing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-08-28 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: GA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX #  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX -Balance {$2200.00} Account Name : XXXX  XXXX BANK XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX -Balance {$1100.00} Account Name : XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX -Balance {$0.00} Account Name : XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX -Balance {$140.00} UNAUTHORIZED INQUIRIES : XXXX BANK XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 2025-08-28 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: FL

Complaint narrative:
I am submitting this follow-up complaint regarding inaccurate and misleading information that continues to be reported on my credit file, in violation of the Fair Credit Reporting Act ( FCRA ). Although I previously submitted a dispute, the following accounts remain incorrectly reported, containing incomplete or erroneous data that must be corrected or removed immediately :. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$720.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$4900.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$270.00} XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX  Balance Owed : {$670.00} XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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:
I am submitting this follow-up complaint regarding inaccurate and misleading information that continues to be reported on my credit file, in violation of the Fair Credit Reporting Act ( FCRA ). Although I previously submitted a dispute, the following accounts remain incorrectly reported, containing incomplete or erroneous data that must be corrected or removed immediately :. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$720.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$4900.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$270.00} XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX  Balance Owed : {$670.00} XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/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 2025-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation