vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-05 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: NY

Complaint narrative:
Theres XXXX accounts from this company reporting on my credit report that does not belong to me which I filed an FTC report for reach out to them told them I was also in the XXXX  XXXX breach and still didnt get any results

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 2025-07-05 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:
Theres XXXX accounts from this company reporting on my credit report that does not belong to me which I filed an FTC report for reach out to them told them I was also in the Equifax data breach and still didnt get any results

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
The problem that Im having with Santana consumer is that Ive been calling for the last three or four months trying to get my lease agreement/contract for a car and I have not received anything because on the car loan stating That I am the cosigner on a car that I never cosign for and Im asking for paperwork for the car, which is the lease agreement and they have been denying me before it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: FL

Complaint narrative:
I am filing this complaint against TransUnion for their continued reporting of inaccurate and unverifiable information on my credit report, despite a previous dispute I submitted. TransUnion has failed to fulfill its obligations under the Fair Credit Reporting Act ( FCRA ), and I am requesting the CFPB 's intervention to ensure compliance. 

Inaccurate Personal Information : TransUnion is reporting two addresses on my credit report that are completely inaccurate : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have never resided at these addresses nor have I had any association with them. Reporting false personal identifying information violates FCRA 607 ( b ), which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy. I previously submitted a formal dispute demanding removal of these addresses, but TransUnion failed to act.

Unauthorized Inquiries : In addition, TransUnion is reporting multiple hard inquiries on my report that I did not authorize. These inquiries include : 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/XXXX ) These inquiries were not initiated by me and were made without my knowledge or consent. Under FCRA 604 ( a ) ( 3 ), a permissible purpose is required to access a consumers credit file. None of these entities had any legitimate reason to perform a hard pull on my report. I requested that TransUnion delete these unauthorized inquiries, but they have refused to do so and failed to provide any proof of permissible purpose.

Noncompliance and Harm : TransUnions continued reporting of this inaccurate and unauthorized information is willful noncompliance with FCRA 611 ( a ), 616, and 617. These violations are negatively impacting my credit score and reputation. Their refusal to correct or delete these items after a formal dispute shows a clear disregard for consumer protection laws.

Relief Requested : I am requesting that the CFPB investigate TransUnions failure to remove the false addresses and unauthorized inquiries from my credit report. I demand full deletion of the inaccurate personal information and all the inquiries listed above, and I request that TransUnion provide me with a corrected and updated copy of my credit report immediately.

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 2025-07-05 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: CO

Complaint narrative:
I have a XXXX XXXX XXXX XXXX, this card is not a Credit Card. I can only use after transferring funds into it and then only as much as my POSITIVE balance remains above XXXX. 

Experian has XXXX XXXX XXXX XXXX listed on my account personal a Credit Report as a NEGATIVE DEBT. 

XX/XX/year> I got a response saying it was a debt and would remain on my report as such. 

There are numerous " total debt '' ( XXXX ) includes the XXXX dollars from XXXX XXXX XXXX XXXX as a negative debt along with 3 other Credit Cards. Its not a debt and its not Credit Card.

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 2025-07-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I accidentally made a payment on XX/XX/XXXX. It was scheduled for XX/XX/XXXX and when I tried to cancel it already was processing even though it was a future payment for the XXXX and it still was the XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-05 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:
Re : Request for Method of Verification under FCRA 611 ( a ) ( 7 ), Report/File Reference XXXX I recently submitted a dispute to Experian regarding the following item ( s ) on my credit report : Creditor : XXXX XXXX XXXX Nature of Item : LATE PAYMENT REPORT XXXX & XX/XX/XXXX Your response dated XX/XX/XXXX stated that the item has been verified and will remain on my report. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 7 ), I am entitled to a clear description of the procedure used to verify this information.

Please provide the following details, in writing, within 15 days of receipt of this letter : 1. Identification of the original creditor or data furnisher contacted ( name, address, telephone number ). 
2. The name and title of the person at the creditor/bureau who verified this information.

3. Copies of all documents or communications supplied or received that verify the accuracy of this item.

4. A description of the specific procedures or steps followed in the verification process.

If Experian can not provide these details within 15 days, I formally request that the item be updated to paid as agreed on my credit report from my credit file as inability to verify reasonable accuracy requires removal under FCRA 611. 
This letter serves as a formal request under the FCRA. Please confirm receipt of this letter and respond promptly. Thank you for your cooperation. 
Sincerely,

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 2025-07-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXX XXXX {$770.00} my personal account was debited unauthorized to paid for a closed business credit card without a previous notice

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 2025-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: OR

Complaint narrative:
Ive Been with Chime/XXXX for 5 years. on XXXX XXXX i was expecting a deposit in my account when a hacker withdraw XXXX $ out of my without my authorization. When i reach out to the Chime/XXXX they said that there nothing i can do but let them steal the money then after that file a dispute to get your money back and it can take 10-14 days.Now, im on disiability with a fixed income and chime says that i have to put my bills behide until it comes causing me to be evictied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: DISCOVER BANK
State: TX

Complaint narrative:
Discover contacted my stepmother regarding my past due account. She is not a joint account holder, co-signer, authorised user, or listed as a contact. I have not provided Discover with her information at any time. I believe this is a violation of my privacy and possibly the FDCPA and/or Gramm-Leach-Bliley Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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:
This information is inaccurate and incomplete. I am requesting that this entry be investigated, and unless the furnisher can provide verifiable documentation of the debtincluding original signed contracts and full payment historythis item must be deleted from my credit file.

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 2025-07-05 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: OR

Complaint narrative:
XXXX XXXX XXXX XXXX ( Myself ) current address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX According to the FCRA, any previous addresses reported ( EQUIFAX, EXPERIAN, AND TRANSUNION ) that are not the address given in this message should be permanently removed from XXXX XXXX XXXX XXXX 's credit report. There has been proof uploaded regarding said address.

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 2025-07-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NE

Complaint narrative:
I recieved a collection notice on or around XX/XX/year> from a debt collector attempting to collect debt allegedly owed to LVNV funding LLC this debt does not belong to me I have never opened an account with LVNV funding nor have I authorized anyone to open one on my behalf I believe this may be a case of mistaken identity incorrect reporting, or potential identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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: EQUIFAX, INC.
State: GA

Complaint narrative:
HELLO, MY NAME IS XXXX XXXX XXXX XXXX. I AM SENDING THIS COMPLAINT TO THE CREDIT AGENCIES BECAUSE SOMEONE STOLE MY IDENTITY AND IS TRYING TO OPEN FRAUDULENT ACCOUNTS IN MY NAME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
HELLO, MY NAME IS XXXX XXXX XXXX XXXX. I AM SENDING THIS COMPLAINT TO THE CREDIT AGENCIES BECAUSE SOMEONE STOLE MY IDENTITY AND IS TRYING TO OPEN FRAUDULENT ACCOUNTS 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 non-monetary relief
Consumer complaint received 2025-07-05 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: GA

Complaint narrative:
The debt listed on my credit report with XXXX XXXX XXXX XXXXreported by Sequium Asset Solutions, LLCis inaccurate and improperly reported. The reference number associated with this debt is XXXX, and Sequium Asset Solutions , LLC did not provide an account number. The alleged balance is {$3400.00}, and the original creditor is XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Georgia XXXX. This debt does not appear on my XXXX report. 

Despite my efforts to resolve this matter directly with Sequium Asset Solutions , LLC and through the credit reporting agencies, the inaccurate information remains on my file. I contacted Sequium Asset Solutions , LLC at ( XXXX ) XXXX on XX/XX/year>, at XXXX XXXX XXXX  and was informed that they are not the original creditor and could not provide full account information. 

The debt is approximately 10 months old and has caused significant harm to my financial standing and personal life, including repeated denials for housing, contributing to homelessness and an inability to secure stable shelter for myself. This situation has caused serious financial hardship. 

I believe the continued reporting of this account violates my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I respectfully request that the CFPB investigate this matter and take appropriate action. I can be reached at ( XXXX ) XXXX or at XXXX for any further information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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: FL

Complaint narrative:
Removal of old accts that is affecting my credit score, inconsistent credit reporting vs the other credit reporting agencies

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 2025-07-05 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 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 XXXXXXXX XXXX XXXX  XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/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 2025-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Urgent Dispute Inaccurate Reporting of XXXX XXXX XXXX Collection ( FCRA 611 / 15 U.S.C. 1681i ) To TransUnion Disputes Department, I am formally disputing an inaccurate collection account that was recently added to my TransUnion credit report : Creditor : XXXX XXXX XXXX Account Type : Collection This account was removed from my XXXX  credit report, yet it has now appeared on my TransUnion report. This is inaccurate and misleading. Under the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681i ), you are required to ensure maximum possible accuracy of information in consumer reports. 

I demand that TransUnion immediately delete this XXXX XXXX XXXX collection account from my file. Reporting an account that another bureau has deleted calls into question its accuracy and compliance with the FCRA. 

Please provide : 1 Written confirmation that this account has been deleted.

2 The results of your reinvestigation within 30 days as required by law.

Until you can validate this account properly, it must be removed from my credit report. 

I am attaching my ID and proof of address for verification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC
State: TN

Complaint narrative:
XXXX XXXX CFPB COMPLAINT Issue : Reporting a paid, closed account as derogatory What happened : The account with XXXX XXXX XXXX XXXX XXXX XX/XX/year>, was fully paid and closed. Despite this, it remains flagged as derogatory and under dispute. This misrepresentation violates FCRA XXXX ( a ) ( XXXX ) ( A ), which prohibits the furnishing of inaccurate consumer information to credit XXXX 

What youd like to happen : XXXX correction to reflect the account as resolved and positive Removal of the dispute flag Written confirmation of compliance Statutes referenced : FCRA XXXX, XXXX, XXXX Filed on behalf of a protected individual.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Chime Financial Inc
State: CA

Complaint narrative:
As of : Monday XX/XX/year>, you can't reach Customer Service at : Chime, after you request them over the Phone, for it. They have an Artificial Intelligence System, in place, that takes forever, to reach Customer Service, if you have any Concerns or Questions about your Debit Card, or Checking Account, with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: PA

Complaint narrative:
After reviewing my credit profile I noticed that I have negative collections as well as multiple fraudulent hard inquiries listed on my credit profiles. The collections and inquiries have hurt my ability to obtain new credit. please remove them from my profile as I have been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: PA

Complaint narrative:
After reviewing my credit profile I noticed that I have negative collections as well as multiple fraudulent hard inquiries listed on my credit profiles. The collections and inquiries have hurt my ability to obtain new credit. please remove them from my profile as I have been a victim 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 2025-07-05 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: FL

Complaint narrative:
b'Experian\nXXXX XXXX XXXX XXXX, CA, XXXX\nSubject: Request for Removal of Incorrect Information (Old Address / Incorrect Name / Work Information)\nDear Sir/Madam,\nI am writing to formally request the removal of incorrect information from my file, as I have discovered discrepancies related to my personal details. Upon reviewing my credit report, I noticed the following outdated or inaccurate information:\nOld Address:\n XXXX XXXX XXXX XXXX, FL XXXX\nXXXX XXXX XXXX XXXX XXXX, FL, XXXX\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX\nXXXX XXXX XXXX XXXX XXXX, FL, XXXX\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX\n \nIncorrect Name:\n\n \nIncorrect Work Information:\nXXXX XXXX\nXXXX XXXX\nIncorrect Phone Numbers:\nXXXX\nXXXX\nXXXX\nCorrect Personal Information:\nFull Legal Name: \nCurrent Address: \nDate of Birth:\nSocial Security: XXXX\n \n \nThese inaccurate entries may affect the accuracy of my report and my ability to apply for credit and other services. Therefore, I request that you immediately investigate these items and remove or correct them in accordance with 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 explanation
Consumer complaint received 2025-07-05 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: MD

Complaint narrative:
Complaint # XXXX with CFPB was filed XX/XX/year>. It has been over XXXX  days with no response from the credit bureau.

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