vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 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:
Please delete these unauthorized accounts from my credit report, as I neither approved their creation nor was aware of them. Per USC 1681g, I request their removal within 15 days. Attached are supporting documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX Resurgent Capital Services/ LVNV Funding LLC XXXX. XXXX XXXX XXXXXXXX XXXX  XXXX Subject : Formal Debt Validation Request Pursuant to 15 U.S.C. 1692g ( FDCPA ) Account Number : XXXX To Whom It May Concern : This letter is a formal request for validation of a debt you claim I owe. I recently obtained a copy of my credit report and noticed a collection account listed under your name with the following details : Creditor : Resurgent / LVNV Funding Account Number : XXXX Balance : {$460.00} Date Opened : XX/XX/XXXX Reported Past Due : XX/XX/XXXX As provided by the Fair Debt Collection Practices Act, I am requesting that you provide competent evidence that I am legally obligated to pay this debt. Please provide the following : 1. A full accounting of the alleged debt, including all charges, interest, and fees.

2. The name and contact information of the original creditor.

3. A copy of the signed agreement or contract that legally obligates me to this debt.

4. Proof that your agency owns or has been assigned the debt and is legally authorized to collect it.

5. Your license number and proof you are authorized to collect debts in my state. 
While I investigate this matter, I request that you cease all collection efforts and refrain from reporting this account to any credit bureaus until validation is complete. 
If you are unable to provide the documentation requested, you must delete this account from my credit report and stop any further collection actions. 
This letter is not an acknowledgment or acceptance of any liability for the alleged debt. I am merely exercising my right to request validation under federal law. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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 recently reviewed my credit report and found an account listed that I do not recognize. I have never opened this account and do not have any relationship with the company associated with it.

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 2025-08-01 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: LA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-08-01 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: AZ

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. P

er FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-01 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: EQUIFAX, INC.
State: NY

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: SC

Complaint narrative:
On XX/XX/XXXX a male Zelle me {$2000.00} for the purchase of a XXXX XXXX XXXX. On XX/XX/XXXX {$2000.00} was taken from my Navy Federal account. So I called the bank to find out why the money was taken out my account and they said that {$2000.00} was taken back from a transaction done on XX/XX/XXXX was filed as a fraudulently charge by the male and Navy Federal said they sent the money back to Zelle to send to the young man account. So I told them that it was not a fraudulently transaction and explained the young man purchased a car. So they told me that I could file a claim to get my money back if I had proof that the young man purchased a car. So I sent that information to them and they told me it would take 7-10 days to process the claim. Well after the 10 days they told me that my claim was denied and that I couldn't get my money back. Well I contacted the young man who purchased the car and he told me that he did put in a dispute to get his money back because he wasn't satisfied with his purchase but that XXXX XXXX which is his bank denied his claim because he meant to send funds to purchase a car, therefore he couldn't get his money back. So I called my bank back and told them what the young man told me and my bank said that he was lying to me and that the funds were sent back to him because he put in it was fraud. Well I called the young man back and he swore he didn't get any money and he called XXXX XXXX with me on the phone and XXXX XXXX said the funds were never requested from my bank because the claim was denied on their end and that he never received the money. So I called my bank back and they told me that it was basically nothing that they could do, that the money was gone and to never send money to anyone that I don't know. But I'm upset and furious because the money was taken from my account, the young man doesn't have the money, so who has the money? But I need my money back because it was my funds that were just taken out of my account and somewhere some fraud going on and it's not from me. So I need someone to find out where the {$2000.00} is and please have it deposited back into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
Company : Bridgecrest Product : Auto Loan Issue Type : Improper auto loan charge-off, misleading and conflicting payoff communications Complaint Summary : I am a XXXX XXXX XXXX XXXX XXXX XXXXt filing a formal complaint against Bridgecrest for what I believe are multiple violations of federal and state consumer protection laws, including : - Texas Deceptive Trade Practices Act ( DTPA ) - Fair Debt Collection Practices Act ( FDCPA ) - Truth in Lending Act ( TILA ) Between XX/XX/XXXX and XX/XX/year>, I attempted to resolve a delinquent auto loan with Bridgecrest and XXXX met with blatantly conflicting and misleading information from their representatives. 

Specifically : - I received written communication stating that a {$790.00} payment before the end of the month would prevent charge-off. 
- I was later told via text that the required amount was {$2400.00}, and then {$4100.00}, with no formal payoff letter, updated statement, or legally compliant deadline notice. 
- Despite reaching out first thing the next morning ( XX/XX/XXXX ) to pay based on the original communication, I was told the loan was already charged off. 
XXXX Bridgecrest later claimed they attempted to call me yet I received no call logs or voicemails to support this. 

This conduct represents misrepresentation, lack of transparency, and deliberate confusion regarding critical financial deadlines. I was not given a clear or legally compliant opportunity to cure the default, and I acted in good faith to resolve the debt. 

Legal Grounds : - Under DTPA, Bridgecrests conduct constitutes false or misleading representations concerning consumer rights and financial obligations. 
- Under the FDCPA, if Bridgecrest acted as or through a third-party debt collector, they violated provisions against deceptive and unfair collection practices. 
- Under TILA, their failure to provide clear written disclosures of the payoff amount, due date, and charge-off consequences violates federal truth-in-lending requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: NY

Complaint narrative:
I am writing to formally dispute certain information on my credit report that I believe is inaccurate and is negatively impacting my financial well-being. In accordance with the Fair Credit Reporting Act ( FCRA ), I request that you conduct a thorough and timely investigation into these discrepancies. 
It has come to my attention that the Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian for failure to properly investigate consumer disputes, citing practices such as : 1. Inadequate investigations that fail to address consumer disputes adequately 2. Reinsertion of previously disputed and inaccurate information without sufficient explanation 3. Failure to properly notify consumers about the results of investigations These practices, as described by the CFPB, highlight significant concerns about the integrity of credit reporting agencies ' processes and consumer protections. Given these allegations, I am concerned that my dispute may not be handled in a manner that adheres to the legal standards set forth by the 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 2025-08-01 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: MS

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NY

Complaint narrative:
I went to concert and dropped my phone. A security brought my phone back and went along my night. I got a couple of denied transactions that day but they didnt go through because my card was locked and it wasnt much so I thought it was little apps I used before trying to take money for new subscriptions. My sister sent me money for my baby shower and couldnt get it to work so I told her to hold on let me unlock my card and try it and she said she was going to turn her phone off and back on and try again. She tried again it went through but I forgot to lock the card. When it was time for me to make a purchase it didnt go through because someone used my virtual card for a payment for apartment complex. So I disputed the charge and the next day they denied my dispute saying they completed the investigation. I asked them what investigation did they do and they said they were going to provide that to me but never did and I asked did they contact the merchant and they told me no so I contacted the merchant and they gave me a name of someone name XXXX which is not me and that the person never came in. I called and told chime and they told me its nothing they can do without a police report but they didnt call the merchant and verify anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: GA

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-08-01 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: NV

Complaint narrative:
I show 4 degatory in my equifax, transunion and experian it should of been gone since last month can u pls make sure is updated ty very much for your help in advance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: CA

Complaint narrative:
I deny any affiliation with these accounts and believe they result from fraudulent activity. Kindly investigate and eliminate them from my credit record. Attached are supporting materials.

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 2025-08-01 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: IL

Complaint narrative:
I am writing to formally dispute the presence of a bankruptcy listed on my credit report, which is being reported inaccurately. I have obtained a letter directly from the court stating that this bankruptcy should not be reported to any of the credit bureaus, yet it still appears on my file. This is extremely concerning, as the court 's statement clearly invalidates the reporting of this item. What makes the situation even more troubling is the apparent involvement of an unauthorized third party, which raises serious questions about how this information was shared and why it is being reflected in my credit report without my consent or proper verification. 

Whats even more confusing is that only TransUnion is reporting this bankruptcy, while the other major credit bureaus are not. This inconsistency is alarming and indicates that there may have been an error or oversight in the way this information was handled. Under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws, inaccurate or unverifiable information must be removed from a consumers credit report. Given the supporting documentation Ive provided and the irregularities surrounding this issue, there is no legal basis for this bankruptcy to remain on my 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 2025-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: IN

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 non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation 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 explanation
Consumer complaint received 2025-08-01 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX TX XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-08-01 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: AZ

Complaint narrative:
I have never legally gone by these personal information nor do not currently reside at the listed residence. The inclusion of inaccurate aliases and unrelated or outdated addresses not only violates the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681e ( b ) which requires credit reporting agencies to maintain maximum possible accuracy but also creates a serious risk of identity confusion and impairs my ability to obtain credit under accurate and fair conditions. The presence of such erroneous personal information also raises concerns of data mishandling, especially in light of recent national data breaches. Despite previous attempts to have this information corrected, XXXX might have failed to remove the incorrect aliases and address entries, even though I have never used these names and do not reside at the listed locations.

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