vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC
State: WA

Complaint narrative:
I am filing a complaint against XXXX XXXX for conducting a hard credit inquiry on my ( XXXX XXXX ) and my boyfriend ( XXXX XXXX ) 's credit report without our informed consent. 


On XX/XX/year>, we spoke with a XXXX XXXX representative regarding a loan inquiry. we explicitly asked if the credit check would be a soft pull, and the representative assured me that it would not affect my credit score. However, we later discovered that a hard inquiry was placed on my credit report without my consent. 

we immediately contacted XXXX XXXX to address this issue, but we have not received a satisfactory resolution. A hard inquiry can negatively impact my credit score, and since I was misled about the nature of the credit check, I believe this was an unfair and deceptive practice. And even if I asked the representative to stop the wrong application and start the dispute, they still ask for more materials from us to complete the wrong application This misleading practice is unfair to consumers, and I kindly ask for help from CFPB to investigate and take appropriate action please. 

Additional information : the company that pulled our credit report is called credo. walls fargo is working with them to get credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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 a victim of identity theft i want all inquiries and accounts removed off my credit report i do not authorize the negative accounts on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am a victim of identity theft i want all inquiries and accounts removed off my credit report i do not authorize the negative accounts on my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: FL

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 2025-03-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TekCollect Inc.
State: MI

Complaint narrative:
The company TEK-COLLECT INC is trying to collect a debt on behalf of the original creditor XXXX XXXX XXXX unfortunately the company listed above XXXX XXXX XXXX XXXX XXXX  DOES NOT exist and has went bankrupt in XX/XX/year>. The collection agency TEK-COLLECT INC can not collect a debt on behalf of a company that no longer exists ; the account is nonexistent with XXXX XXXX XXXX and the debt does not exist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: PA

Complaint narrative:
On XXXX XXXX, XXXX XXXX instructed his team of Department of Government Efficiency ( DOGE ) to gain access to multiple internal systems within the Department of Education, including financial aid dataset that contains the personal information of millions of students enrolled in the federal student aid program. My information was among that dataset that has been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: PA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate and unlawful reporting of an account on my credit report associated with the following : Creditor Name XXXX XXXX  Account Number : XXXX Original Creditor XXXX XXXX Credit Bureaus Reporting : TransUnion, Experian, Equifax Balance : {$0.00} High Credit : Inconsistent across bureaus ( {$430.00}, {$0.00}, {$390.00} ) Date of Last Activity : XX/XX/year> TransUnion ; XX/XX/year> XXXX ; XX/XX/year> Equifax Violations Identified : Inconsistent Reporting ( FCRA 607 ( b ), 623 ( a ) ( 1 ) ( A ) ) The account is being reported inconsistently across all three credit bureaus in terms of : Date opened High credit amount Account status and comments Last activity dates This violates the FCRA requirement for maximum possible accuracy.

Duplicate/Improper Reporting ( FCRA 623 ) The original creditor ( FETTIFHT/WEB ) marked the account as " charged off '' and " purchased by another lender, '' yet it continues to be reported with a {$0.00} balance while maintaining a derogatory status. This is misleading and impacts my creditworthiness.

No Current Balance Yet Marked Derogatory ( FCRA 605 ) Since the balance is {$0.00} across all bureaus, the account is no longer legally collectible. Reporting it as derogatory with a {$0.00} balance is misleading and punitive.

Violation of FDCPA Reporting a charged-off, sold account as still active on a consumer credit report misrepresents the legal standing of the debt and constitutes deceptive reporting under the FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 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: AZ

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : XXXX XXXXXXXX  / Account number - XXXX XXXX XXXX / Account number - XXXXXXXX XXXX XXXX  / Account number - XXXX XXXXXXXX XXXX XXXX Account number - XXXX XXXX XXXX XXXX  / Account number - XXXXXXXX XXXX XXXX XXXX  / Account number - XXXXXXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXXOriginal creditor : XXXXXXXX XXXX XXXX. / Account number XXXX XXXX XXXX XXXX XXXX / Original creditor XXXX XXXX XXXX / Account number - XXXX XXXX XXXX XXXX / Original creditor XXXX XXXX XXXX. / Account number - XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Sectio
n 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 reason
able cause to believe that the information is in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2 LATE PAYMENT CODE 15 USC 1681 BA2 LATE PAYMENT CODE 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.

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 2025-03-22 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:
My accounts was never late! I have had exceptional payment history with capital one 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 to be removed/updated. 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. 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!

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 2025-03-22 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I am filing this complaint against Resurgent Capital Services, LP for attempting to collect on an alleged debt that is currently the subject of an active lawsuit involving their partner company, LVNV Funding, LLC.

Despite the ongoing litigation, Resurgent Capital Services sent me a collection letter, which I have in my possession, attempting to collect on the same alleged account that is being disputed in court.

This is a blatant violation of the Fair Debt Collection Practices Act ( FDCPA ) and potentially the Fair Credit Reporting Act ( FCRA ) for the following reasons : Deceptive Practices ( 15 U.S.C. 1692e ) Resurgent is attempting to collect on a disputed and litigated debt without disclosing that the account is actively involved in a legal proceeding. This is misleading and unethical.

Unfair Collection Practices ( 15 U.S.C. 1692f ) Attempting to collect on a debt that is under formal dispute and active litigation constitutes unfair pressure and an abuse of proc
ess.

Failure to Cease Collection on Disputed Debt ( 15 U.S.C. 1692g ( b ) ) I have disputed this debt, and a lawsuit is currently pending against LVNV Funding, who claims ownership. Resurgents actions appear to be a coordinated attempt to harass and circumvent the legal process.

Overshadowing the Legal Process Resurgent is interfering with the courts process by sending collection letters and attempting to pressure me into payment while the case is unresolved. 
I demand that Resurgent Capital Services be investigated immediately for these unlawful collection attempts. I have retained the original collection letter they sent me, which clearly shows the date and account information, proving their collection activity occurred after litigation was initiated.

This type of coordinated behavior between LVNV Funding and Resurgent is predatory, deceptive, and unlawful. It demonstrates a willful disregard for consumer rights and the legal process. I request full enforcement action from the CFPB, including sanctions, penalties, and orders to cease and desist all collection activity on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 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: AK

Complaint narrative:
I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. As per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-03-22 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: FL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX 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 to be removed/updated. 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. 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!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: NC

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: AR

Complaint narrative:
This country sent me a bill and when I emailed them to show me proof that I authorized them to see me or treat me, there was no response. There is so much wrong in this situation.

1. Ive never been seen by any Physicians or hospitals other than XXXX. 
2. It states that this account was opened in XXXX. I dont even live close to Georgia anymore and have not been seen by any medical facility since around maybe XXXX or XXXX. 
2.This is a medical bill and medical bills are not supposed to be on credit reports from what I read. This dropped my score by 38 points.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: TX

Complaint narrative:
I wanted to lease an apartment. The leasing agent gave me verbal incomplete information about the amounts. I decided to not follow through with signing the lease. The leasing agent ran my card and refused to cancel, refund, or reverse the transaction. I never received any type of service from this apartment complex. The apartment was never held for me, and I never moved in nor step a foot inside the apartment. I contacted the bank. I was advised by the bank that I would have to file a dispute. The dispute was closed several times and reopened. A supervisor from the bank told me my dispute was sent to the wrong department and was never reviewed. I called the bank several times asking what was being done in their investigation and each time I was not given an answer. It has been 7 weeks. This has caused me to be homeless for 7 weeks. The bank asked me to file a police report and I did. I gave the bank the case number and the bank did nothing about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In addition to dispute number XXXX that I reported in this form on website XXXX XXXX XXXX XXXXXXXX # XXXX I incured charges today at the moment XXXX XXXX XXXX walked into the front door today on his son birthday at my mother dwelling at XXXX XXXX XXXX XXXX CA XXXX from XXXX XXXX XXXX  in XXXX Delaware XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  sharing account credit for {$100.00}

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 2025-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: TX

Complaint narrative:
CASHAPP closed my account without any merit. I have asked for documentation or transactions to show I violated terms and have yet to be provided. I received an email XXXX XXXX stating my account will remain closed due to violating terms and they still did not specify what was violated or which transaction. This has been on going. I have reached out via their support chat, telephone, and email. If my account has been compromised I have a right to know.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: NC

Complaint narrative:
I am a victim of XXXX XXXX XXXX XXXX XXXX I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. As per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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