vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-17 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 requested the correction of inaccurate information regarding a charge-off and multiple inquiries on my credit report. XXXX of the credit reporting agencies has already found this information to be incorrect and has removed it. However, due to your lack of response, or a response that I classify as frivolous, XXXX Credit Bureaus has dishonored FCRA regulations and failed to properly address my request for verification. Both of these items are incorrect and should be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: HI

Complaint narrative:
Hello! I am requesting an immediate correction of the mentioned account. The XXXX credit bureaus, obligated by federal law to promptly respond within the constitutionally prescribed time limit, have regrettably neglected their duty to address my letters. I am appealing to you to take swift action on this matter at your earliest convenience. Please correct the listed account above. Thank you. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$13000.00}

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 2025-05-17 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX  15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section 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 reasonable cause to believe that the information is inaccurate.

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 2025-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Chime Financial Inc
State: NC

Complaint narrative:
Yes I have a declined transaction from my bank account with my job at XXXX showing a credit card problem advancing money to my account with a refund to my trace deposit. My account was charged a reoccurring charge and delayed my direct payment of a direct deposit for balance insufficient to the refund policy. I want to make a deposit for reoccurring late but the investigation of the refund referral is taking longer than expected. I show an account verification that declared a policy referral from my bank account on a declined transaction. I want to disclose the case for renewal and send in my billing statement. Showing a decrease of pay from my business account in bankruptcy caused and arbitration of XXXX and XXXX. Leaving me insufficient to fund my allowance on my next payment. But I have a XXXX XXXX check with direct deposit referral this month deposit on hold. I want to call XXXX and cancel the charge for XXXX year subscription on my bank account because I am waiting for a refund under investigation. I have to get permission from the customer service to request a referral refund to update the payment, because my forfeiture of my bank deposit has delayed the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: HI

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent inquiry from my credit report. I am once again formally requesting Experian, Equifax, and XXXX  Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed inquiry that I am urging to be promptly removed from my credit file. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: Nelnet, Inc.
State: CA

Complaint narrative:
I opened a loan for XXXX XXXX XXXX back in XXXX, however I was illegally withdrawn from the program without any proper explanation as to why. After being given that notification, I called the school to verify the information, including the director of admissions to explain what was going on, That was in XXXX of XXXX. However they cold provide me with any factual information, they were just beating around the bush. Hence I contacted the department of education to let them know what was going on and they said that they would look into to it. Even though they said this, it is not XXXX and the report is still reflecting on my account that I used an excessive amount of money from the department of education to complete my studies. I am requesting that you assist me to remove this case from my report as it is prevent me from conducting respectful transactions with other organizations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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:
FORMAL LEGAL NOTICE OF INTENT TO SUE FOR VIOLATION OF FCRA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL, XXXX, XXXX, XX/XX/XXXX, XXXX EXPERIAN P.O XXXX XXXX XXXX, XXXX, TX XXXX. INTENT TO SUE FOR NON-COMPLIANCE WITH FCRA 605B ( 15 U.S.C. 1681C-2 ) DEAR EXPERIAN, I AM WRITING TO FORMALLY NOTIFY YOU OF MY INTENT TO PURSUE LEGAL ACTION FOR YOUR FAILURE TO COMPLY WITH THE FAIR CREDIT REPORTING ACT ( FCRA ) 605B, WHICH MANDATES THAT YOU BLOCK INFORMATION RESULTING FROM IDENTITY THEFT FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS UPON RECEIPT OF THE RELEVANT DOCUMENTATION. FRAUDULENT ACCOUNTS IN QUESTION : XXXX, ACCOUNT NUMBER : XXXX, DATE OPENED : XX/XX/XXXX, BALANCE : {$820.00} XXXX, ACCOUNT NUMBER : XXXX, DATE OPENED : XX/XX/XXXX, BALANCE : {$920.00} XXXX, ACCOUNT NUMBER : XXXX, DATE OPENED : XX/XX/XXXX, BALANCE : {$430.00} XXXX, ACCOUNT NUMBER : XXXX, DATE OPENED : XX/XX/XXXX, BALANCE : {$1000.00} XXXX XXXX ACCOUNT NUMBER : XXXX, DATE OPENED : XX/XX/XXXX, BALANCE : {$580.00} TBOM CONTFIN, ACCOUNT NUMBER : XXXX, DATE OPENED : XX/XX/XXXX, BALANCE : {$0.00} XXXX XXXX XXXX, ACCOUNT NUMBER : XXXX, DATE OPENED : XX/XX/XXXX, BALANCE : {$800.00} XXXX XXXX  ACCOUNT NUMBER : XXXX, DATE OPENED : XX/XX/XXXX, BALANCE : {$0.00} XXXX, ACCOUNT NUMBER : XXXX, DATE OPENED : XX/XX/XXXX, BALANCE : {$500.00} XXXX, ACCOUNT NUMBER : XXXX, DATE OPENED : XX/XX/XXXX, BALANCE : {$1200.00} XXXX XXXX, ACCOUNT NUMBER : XXXX, DATE OPENED : XX/XX/XXXX, BALANCE : {$0.00} XXXX XXXX, ACCOUNT NUMBER : XXXX, DATE OPENED : XX/XX/XXXX, BALANCE : {$0.00} XXXX XXXX ACCOUNT NUMBER : XXXX, DATE OPENED : XX/XX/XXXX, BALANCE : {$0.00} INCORRECT NAMES : XXXX XXXX, INCORRECT ADDRESSES : XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRES : XXXX XXXXXX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX NA, XX/XX/XXXX XXXX, XX/XX/XXXX. THESE ACCOUNTS, ALONG WITH UNAUTHORIZED HARD INQUIRIES, FRADULENT COLLECTIONS, ADDRESSES, AND NAMES, HAVE BEEN FLAGGED AS IDENTITY THEFT. ENCLOSED IS A FEDERAL TRADE COMMISSION IDENTITY THEFT CRIMINAL COMPLAINT, SUBSTANTIATING THE FRAUDULENT NATURE OF THESE ACCOUNTS. YOUR CONTINUED FAILURE TO BLOCK ALL DISPUTED ACCOUNTS, COLLECTIONS, INQUIRIES, ADDRESSES, AND NAMES WITHIN THE NEXT XXXX BUSINESS DAYS, IN STRICT ADHERENCE TO THE FCRA. FURTHERMORE, I SEEK A DETAILED EXPLANATION REGARDING YOUR VERIFICATION PROCESS, PARTICULARLY HOW IT FAILED TO ADDRESS AND CORRECT THESE INACCURACIES IN MY CREDIT REPORT, RESULTING IN HARMFUL RAMIFICATIONS TO MY CREDITWORTHINESS.

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 2025-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am filing a complaint against Resurgent Capital Services regarding an Avant account ( ending in XXXX ) that they claim to have acquired. I submitted multiple good-faith requests for debt validation and the assignment contract under the Fair Debt Collection Practices Act ( FDCPA ), but Resurgent failed to provide any legal documentation proving they have the right to collect or report this alleged debt. 

Instead, I received a generic letter dated XX/XX/year>, which did not include the original contract, a full accounting history, or proof of assignment. Despite this, XXXX continues to report this account to XXXX  ( # XXXX ), XXXX  ( # XXXX ), and XXXX  ( # XXXX ) as charged off and XXXX XXXX past due even though the balance is {$0.00} and the account was closed and transferred. 

This is a clear violation of the FDCPA ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ). They are furnishing inaccurate and unverifiable information, which has harmed my credit profile. 

I am requesting the CFPB investigate this matter and ensure XXXX ceases collection, removes the account from all credit reporting agencies, and provides proper documentation. I am also tracking all violations and may pursue statutory damages of {$1000.00} per violation under 15 U.S.C. 1692k.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: FL

Complaint narrative:
I am submitting this complaint against Equifax Information Services LLC due to their ongoing and repeated failure to investigate and resolve inaccurate information on my credit report as required under the Fair Credit Reporting Act ( FCRA ). I have previously submitted multiple disputes regarding three accounts that contain inaccurate, unverifiable, or outdated information, yet Equifax has not taken proper action to delete or correct them. These are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have disputed these accounts several times with Equifax, including through your complaint system, but Equifax has either ignored the documents I submitted or failed to perform a meaningful investigation. They did not send me proper investigation results or verify the items with any valid documentation from furnishers, as required by 15 U.S.C. 1681i.

Despite my request for the methodology and procedures used during their investigations, Equifax failed to provide me with any meaningful information. Furthermore, these accounts remain on my credit report with inaccurate or unverifiable data. 

This behavior is consistent with what the CFPB uncovered in the XX/XX/year> enforcement action in which Equifax was fined {$15.00} XXXX for failing to properly investigate consumer disputes and mishandling consumer data. I am among the consumers harmed by the same flawed processes highlighted in that enforcement. 

I have now sent Equifax a Pre-Arbitration Notice ( attached ), driver 's license ( attached ), and SSN ( attached ), demanding deletion of these accounts and compensation for their noncompliance with federal law. If this complaint is not resolved appropriately, I will proceed with arbitration, in which Equifax is responsible for all arbitration costs per the terms of the FCRA and their consumer agreement.

Errors I Can Point Out in These Accounts Include : Inaccurate balance information Incorrect payment history or status Outdated derogatory information Reinserted previously disputed/deleted items without proper notice Conflicting data across credit reporting agencies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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 writing to formally dispute the following information in my credit file. I recently obtained a copy of my credit report from your bureau and noticed several items that I believe may be inaccurate or unverifiable. 
According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information I believe to be incorrect or incomplete, and you are required to investigate and remove or correct any unverifiable or inaccurate information. 
The accounts I am disputing are as follows : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$710.00} XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$550.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$960.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$480.00} XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} 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 XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-05-17 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: NY

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-05-17 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:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
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 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 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 2025-05-17 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: MD

Complaint narrative:
Inaccurate XXXX XXXX. did not correct the XXXX XXXX or investigate my dispute.

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 2025-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: CO

Complaint narrative:
I cancelled my gym membership to XXXX 's XXXX via the front desk. The front desk worker had verbally confirmed that my membership was no longer active. Months later, I am notified by Aldous and Associates that my debt has been sent to collections. I did not utilize my membership, and my card was no longer on file with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX This complaint is being submitted to formally request, under FCRA Section 605B ( 15 U.S.C. 1681c-2 ), that XXXX  block all information on my consumer credit report that is the result of identity theft. You are required by law to complete this block within four business days of receiving this request. The fraudulent, inaccurate, and unauthorized information includes : A personal credit card account opened with XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. This fraudulent account have led to multiple false collections showing up on my consumer FICO credit report. I do not recognize any of these accounts or related collections. They were not opened, authorized, or initiated by me in any way. I am the victim of identity theft, and all of the accounts and collections listed above are directly tied to that fraud. As supporting evidence, I have attached a copy of FTC Identity Theft Complaint number XXXX filed with the United States Federal Trade Commission. I am requesting the immediate blocking and removal of these items from my credit report, and that no further collection activity related to them be pursued.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were XXXX XXXX accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-05-17 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and XXXX am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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