vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Dave Operating, LLC
State: FL

Complaint narrative:
XX/XX/year>, my account through the Dave app ( which partners with XXXX XXXX XXXX XXXX XXXX was frozen due to suspected unauthorized transactions from a vendor. I followed all the instructions provided, including verifying my identity as requested. 

Days later, Dave support informed me that my account had been unsuspended. However, I am still unable to access my fundsthere is no access to withdraw, use, or transfer the money. I followed up multiple times, but their responses have been delayed and misleading. Despite saying the account is active, I remain locked out of my funds with no explanation or resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: LA

Complaint narrative:
Under the FCRA, you must be able to prove that you have verified and validated all information on my credit report, even if it has not been challenged. This includes providing me with copies of all original documentation, such as contracts, applications, and statements. If you are unable to provide this documentation, you must remove inaccurate information on my 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 2025-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Under the FCRA, you must be able to prove that you have verified and validated all information on my credit report, even if it has not been challenged. This includes providing me with copies of all original documentation, such as contracts, applications, and statements. If you are unable to provide this documentation, you must remove inaccurate information on my 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 non-monetary relief
Consumer complaint received 2025-05-06 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I have no connection to these inquiries or the listed creditors. I request their immediate removal from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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:
I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXX XXXX XXXXXXXX * * * * Balance : {$22000.00} XXXX XXXXXXXX * * * * * * * * * Balance : {$18000.00} XXXX XXXX * * * * * * * * * Balance : $ {$7400.00} I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several inquiries that are incorrectly reported or showing inaccurate data. Below are the details of the inquiries in question : XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX CO XX/XX/year> XXXX OF 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 2025-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXX XXXX XXXXXXXX * * * * Balance : {$22000.00} XXXX XXXXXXXX * * * * * * * * * Balance : {$18000.00} XXXX XXXX * * * * * * * * * Balance : $ {$7400.00} I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several inquiries that are incorrectly reported or showing inaccurate data. Below are the details of the inquiries in question : XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX CO XX/XX/year> XXXX OF 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 non-monetary relief
Consumer complaint received 2025-05-06 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: Atlanticus Services Corporation
State: IL

Complaint narrative:
Up under 15us code 1681 2 xi 15 us code 1666b 12cffr 1026.13 billing error resolution That all late payment be remove off my credit report please and thank you XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I request the removal of these fraudulent accounts from my credit report, as I had no involvement in opening them and was unaware of their existence. Under USC 1681g, I demand their deletion within 15 days. Supporting documents are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I did not open or authorize these accounts, and it is unjust for me to be held responsible for them. I request immediate action to resolve 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 non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This letter serves as a formal dispute of the debt you allege is owed and a notification of multiple violations of federal consumer protection statutes associated with your collection practices. I do not acknowledge any indebtedness to the following collection agencies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to 12 CFR 1006.34 ( b ) ( 5 ), I demand full validation of the alleged debt, including but not limited to the name of the original creditor, the corresponding account number, a comprehensive breakdown of the amount claimed, and a copy of the purchase agreement transferring the debt to your agency. I have simultaneously submitted a complaint to the Consumer Financial Protection Bureau.

Effective immediately, I revoke any and all consent to contact me by phone, text, or email. All communication must be conducted exclusively in writing. Your failure to comply with the dispute provisions under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), as well as your deceptive practices and failure to provide legally mandated disclosures, constitutes a violation of my rights. Moreover, the furnishing of data to credit reporting agencies by [ creditor_name ] without proper disclosures is unlawful per 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ).

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 2025-05-06 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I am filing this complaint because I believe I am being subjected to discriminatory and unfair credit reporting practices that have negatively impacted my financial standing despite demonstrating responsible financial behavior. 

In the past year alone, I have paid off nearly {$90000.00} in debt, maintained a 100 % on-time payment history, and made consistent efforts to lower my credit utilization. Despite this, my credit scores remain disproportionately low TransUnion reports me around XXXX, while Experian and Equifax show me in the XXXX to XXXX. This discrepancy is not only confusing, but it undermines the fairness and transparency that consumers should expect from the credit reporting system. 

What is most alarming is the extreme point losses triggered by minor temporary increases in my credit card balances such as losing XXXX XX/XX/XXXX for a {$30.00} increase while receiving little to no credit score improvement for major balance reductions. I am literally being penalized for using my card for basic transactions like {$20.00} in gas, even when I pay it off in full. 

In addition : My accounts are being reported multiple times throughout the month, creating an artificially high utilization rate, even though I pay down balances regularly. 

This repeated penalty cycle does not reflect responsible usage, and creates a scoring system that feels punitive and manipulative. 

I am beginning to believe these practices reflect a pattern of economic discrimination possibly algorithmic bias against consumers who may not carry high limits or who manage credit differently. It appears that responsible financial behavior is being ignored in favor of arbitrary metrics that do not reflect true creditworthiness.

I respectfully request : 1. A full investigation into why my scores are dropping so sharply with small increases. 
2. An audit of reporting frequency and the use of mid-cycle data that creates distorted utilization rates.

3. An inquiry into whether this system disproportionately affects certain demographic groups or income brackets. 

This situation is unjust, discriminatory in effect, and detrimental to those of us working hard to rebuild and maintain healthy credit. 

If this continues to be an issue I will have no choice but to pursue this matter legally. This is the second time Ive reported this type of issue and it is corrected and then behavior resumed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am filing this complaint because I believe I am being subjected to discriminatory and unfair credit reporting practices that have negatively impacted my financial standing despite demonstrating responsible financial behavior. 

In the past year alone, I have paid off nearly {$90000.00} in debt, maintained a 100 % on-time payment history, and made consistent efforts to lower my credit utilization. Despite this, my credit scores remain disproportionately low TransUnion reports me around XXXX, while Experian and Equifax show me in the XXXX to XXXX. This discrepancy is not only confusing, but it undermines the fairness and transparency that consumers should expect from the credit reporting system. 

What is most alarming is the extreme point losses triggered by minor temporary increases in my credit card balances such as losing XXXX XX/XX/XXXX for a {$30.00} increase while receiving little to no credit score improvement for major balance reductions. I am literally being penalized for using my card for basic transactions like {$20.00} in gas, even when I pay it off in full. 

In addition : My accounts are being reported multiple times throughout the month, creating an artificially high utilization rate, even though I pay down balances regularly. 

This repeated penalty cycle does not reflect responsible usage, and creates a scoring system that feels punitive and manipulative. 

I am beginning to believe these practices reflect a pattern of economic discrimination possibly algorithmic bias against consumers who may not carry high limits or who manage credit differently. It appears that responsible financial behavior is being ignored in favor of arbitrary metrics that do not reflect true creditworthiness.

I respectfully request : 1. A full investigation into why my scores are dropping so sharply with small increases. 
2. An audit of reporting frequency and the use of mid-cycle data that creates distorted utilization rates.

3. An inquiry into whether this system disproportionately affects certain demographic groups or income brackets. 

This situation is unjust, discriminatory in effect, and detrimental to those of us working hard to rebuild and maintain healthy credit. 

If this continues to be an issue I will have no choice but to pursue this matter legally. This is the second time Ive reported this type of issue and it is corrected and then behavior resumed.

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 2025-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
I have two credit cards issued by XXXX XXXX. On XXXX  XXXX the cards were used to make multiple purchases in XXXX XXXX, NV. I live in New York and I have not been to XXXX XXXX in XXXX  years. I have not used the cards in about a year and had just paid one off in full. 

I called Concora credit on XXXX to report the fraud. When they asked for my mailing address and I gave it to them they told me it wasn't correct. THey would not tellme what mailing address they had on file, but it wasn't mine. I asked them to change it and they said they did. 

They told me they could not dispute the charges until XXXX  and that I should call back. I called back on XXXX  XXXX. They told me they would open an investigation and it would take XXXX  days and that they would send me new cards. 

On XXXX  XXXX I opened my checking account to see XXXX payments, XXXX in the amount of {$520.00} and XXXX in the amount of {$580.00} to Concora Credit out of my checking account on XXXX. I did not make those payments and immediately disputed them with my bank, telling them I had report fraudulent activity on those accounts on XXXX. 

I called Experian who told me that Concora Credit had NOT changed my mailing address and that as of XXXX they were still reporting on a XXXX XXXX address. 

I called Concora Credit and they told me that they did change the address. I asked them why they charged me {$520.00} and {$580.00} on XXXX and they said they could not help me with that because those payments were made through a website. I told them I had called and reported fraudulant activity on XXXX and that they needed to reverse those payments. They said no. 

They did not help me and I believe someone within that company is the one using my information.

These cards are supposed to be designed to help people rebuild their credit. My credit score has now gone down because of these cards and the fraud. I had been making regular payments and had recently paid one of the cards off completely. This is a predatory company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Im writing to dispute inaccurate and unauthorized information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b ( 2 ), my personal information was shared without my written permission. This led to accounts being added that I didnt open or use. This may also be identity theft under 15 U.S. Code 1681c-2. Please investigate and fix these errors to make sure my credit file is accurate.

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 2025-05-06 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-05-06 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: NC

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-05-06 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: NC

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
1. I have discovered inaccurate information on my credit report. I am informing your company of the error in my credit report and request to delete the error immediately. The bankruptcy remark hurt my credit report and might decrease my credit score as well. Here are the details :

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 2025-05-06 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: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
Lvnv collection Would like to request purchase agreement the insurance claim of debt verify in statue of limitations

Company response to consumer: Closed with explanation