vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am submitting this complaint because your bureau continues to report a fraudulent account from XXXX XXXX XXXX XXXX, Account XXXX, despite my identity-theft filing and reinvestigation requests. 

I have now obtained new evidenceprovided by XXXX themselvesshowing that the loan agreement they rely on is fabricated and fraudulent. 

Key Facts Proving Fraud and Inaccuracy : 1. XXXXXXXX document lists an address that does not exist : XXXX XXXX XXXX XXXX, XXXX, TN XXXX - XXXX confirms this is not a real address. 
- I have never lived there. 

XXXX. My actual XXXX  address was : XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX - XXXX did NOT use this address. 

XXXX. XXXX used an XXXX XXXX that maps to ZIP XXXX, a ZIP code I have never lived in or used. 

These contradictions prove that the XXXX  account is not mine and that its documentation is not legitimate, not verifiable, and not accurate. 
Your Legal Obligations : FCRA 605B : You must block this fraudulent account.

FCRA 1681i : You must permanently delete unverifiable and factually inaccurate information.

FCRA 1681e ( b ) : Continuing to report known false data violates reasonable accuracy procedures. 

Exhibits Provided : My original FTC Identity Theft Report ( Exhibit A ) My government ID ( Exhibit B ) Proof of current address ( Exhibit C ) Evidence demonstrating the address contradictions : -Falsified/phony Loan Document from XXXX XXXX XXXX XXXX with address and IP address circled ( Exhibit D ) -Proof of previous address ( Exhibit E ) -Proof of current address ( Exhibit F ) -USPS proof that claimed address on phone loan doc is not valid ( Exhibit G ) -Proof XXXX provided this bogus document in a XXXX response ( Exhibit H ) -Proof XXXX XXXX is in a third Zipcode ( Exhibit I ) Requested CFPB Action : Compel immediate 605B blocking Compel permanent deletion under FCRA 1681i Require your bureau to update its accuracy procedures Provide written confirmation of deletion

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 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
CFPB Attachment Supporting Statement of Facts Statement of Facts and Supporting Information This attachment is being submitted in support of my CFPB complaint regarding inaccurate and unverified information being reported on my consumer credit report. 
I previously disputed the following accounts with the consumer reporting agencies. The information remains inaccurate, incomplete, or unverifiable : XXXX XXXXXXXX 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 XXXXXXXX Despite my dispute, the furnishers and/or consumer reporting agencies have not provided any documentation or evidence that these accounts were fully verified as required under the Fair Credit Reporting Act ( FCRA ). 
FCRA Violations 1. Violation of 15 U.S.C. 1681e ( b ) Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information they report. The reporting of these accounts is not accurate, nor have I been shown evidence of proper verification.

2. Violation of 15 U.S.C. 1681i ( a ) When a consumer disputes information, the credit reporting agency must conduct a reasonable reinvestigation and provide the consumer with documentation used to verify the account. I was not provided with any signed contracts, billing statements, proof of ownership, or validation from the furnisher.

3. Violation of 15 U.S.C. 1681s-2 ( b ) Furnishers are required to investigate disputes sent to them by the consumer reporting agencies, review all relevant information, and correct or delete inaccurate information. They have not demonstrated that they performed a lawful investigation.

Requested Action by CFPB I respectfully request that the CFPB require the credit reporting agencies and furnishers to : 1. Provide complete documentation proving each account belongs to me and is being accurately reported ; 2. Show the actual verification materials used during reinvestigation ; 3. Delete any account that can not be verified with proper documentation ; 4. Ensure full compliance with the Fair Credit Reporting Act.

Certification I certify that the information provided in this attachment is true and accurate to the best of my knowledge. 
Signature : XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-12-05 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: PA

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) is reporting a paid collection account on my TransUnion credit report with inaccurate and impossible information. The account shows a reported date of XX/XX/year>, which is a future date and can not be accurate. This violates the Fair Credit Reporting Acts requirement that information be complete and accurate. 

I contacted XXXX by phone to request correction of the inaccurate reporting. Instead of correcting the information, the representative told me they could reopen the already paid account and that I needed to pay an additional {$88.00} for the account to be deleted from my credit report. The account was already paid in full, and I was never told that any additional balance existed. A paid account can not legally be reopened, and requesting additional payment in exchange for deletion appears deceptive and potentially in violation of the Fair Debt Collection Practices Act. 

XXXX has not provided proper verification or corrected the inaccurate reporting. I am requesting that this tradeline be fully investigated, and if XXXX can not verify accurate information with correct dates and lawful reporting, I request that the tradeline be deleted from 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 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am a victim of the Equifax data Breech. Please remove the following accounts : I am writing to formally request the blocking and deletion of all accounts and related information on my credit file that were the result of identity theft, pursuan

t to 15 U.S.C. 1681c2 ( a ).

I am a victim of a data breach that has resulted in fraudulent accounts being opened in my name without my knowledge or authorization. As required by federal law, I am enclosing the following documentation to support my request : 1. A copy of a government-issued photo ID ( e.g., drivers license or passport ) 2. A copy of a utility bill or other proof of address 3. A copy of the identity theft report filed with law enforcement 4. A detailed list of the fraudulent accounts with account numbers ( if known ) In accordance with 15 U.S.C. 1681c2 ( a ), I hereby request that Equifax : Block the reporting of all information that is the result of this identity theft ; and Permanently delete the fraudulent accounts and related inquiries from my credit report. 
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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
DESPITE MY PRIOR DISPUTES AND FORMAL NOTICE, THE REPORTING AGENCY FAILED TO CONDUCT A LAWFUL REINVESTIGATION AS REQUIRED UNDER 15 U.S.C. 1681I OF THE FAIR CREDIT REPORTING ACT ( FCRA ). THE AGENCY WAS EXPLICITLY NOTIFIED OF INACCURACIES AND PROVIDED SUFFICIENT DETAIL TO TRIGGER A DUTY OF REASONABLE INVESTIGATION. HOWEVER, THEIR RESPONSE CLEARLY SHOWS NONCOMPLIANCE : NO VERIFIABLE EVIDENCE, DOCUMENTATION, OR CERTIFICATION OF DATA ACCURACY WAS EVER PRODUCED. INSTEAD, THE SAME ERRONEOUS INFORMATION CONTINUES TO BE REPORTED A DIRECT VIOLATION OF FEDERAL LAW. 

BY LAW, CONSUMER REPORTING AGENCIES MUST : XXXX. CONDUCT A REASONABLE REINVESTIGATION WITHIN THE STATUTORY TIME FRAME, XXXX. DELETE OR CORRECT ANY UNVERIFIABLE OR INACCURATE INFORMATION, AND XXXX. PROVIDE WRITTEN VERIFICATION OF THEIR FINDINGS AND THE SOURCES RELIED UPON. 

NONE OF THESE REQUIREMENTS WERE MET. THEIR INVESTIGATION WAS CONCLUSORY, UNSUPPORTED BY PRIMARY EVIDENCE, AND FAILED TO PROVIDE ANY PROOF OF VERIFICATION OR CHAIN OF CUSTODY OF THE DATA IN QUESTION. THIS CONSTITUTES BOTH PROCEDURAL NEGLIGENCE AND WILLFUL DISREGARD OF FEDERAL OBLIGATIONS. 

ADDITIONALLY, UNDER 15 U.S.C. 1681E ( B ), THE AGENCY HAS A CONTINUING DUTY TO FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION IT REPORTS. RETAINING OR RE-REPORTING UNVERIFIABLE DATA BREACHES THIS DUTY AND CAUSES TANGIBLE CONSUMER HARM, REPUTATIONAL DAMAGE, AND DENIAL OF FAIR CREDIT OPPORTUNITIES. 

THEIR FAILURE TO ACT LAWFULLY AFTER NOTICE TRANSFORMS THIS MATTER FROM SIMPLE NEGLIGENCE INTO RECKLESS NONCOMPLIANCE AND BAD FAITH CONDUCT.

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 2025-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: NV

Complaint narrative:
On XX/XX/year> I got a payday loan for {$200.00} and I gave the loan place my Chime Debt card number so it would go into my account. I'm not sure what happened during the process but Chime denied the Transaction. So I used my XXXX account to receive the {$200.00} loan, which my XXXX account was linked to my Chime account. I tried to transfer the money from XXXX to Chime, but Chime denied the transaction.So after I got off from I walked to XXXX went to the Atm withdraw the {$200.00} from my XXXX Account. I went to the Cashier at XXXX to add the {$200.00} to my Chime account which at that time, Chime allowed me the {$200.00} to my account. When I left XXXX that night I checked my account and there was {$280.00}. On XX/XX/XXXX I woke up to a message from saying my account is suspended and I would need to send in a copy of my ID, Social Security Card and other documents that I have for the account. So I sent them everything that they asked for. Then they wonted all the cards I had linked to the accounted which I didn't have the XXXX XXXX XXXXXXXX account anymore or the card. I sent them copies of transaction history from Chime and from XXXX. I kept getting told so many times I would get the money or that they didn't receive any documents from me. Then I was told the other department will be in touch then come to find out closed the account on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have reviewed my credit repoet and found these unverified items. Please remove, update or correct these items.

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 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : XXXX Email : XXXX SSN : XXXX XXXX : XX/XX/XXXX I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding Equifax, specifically in relation to the recent data breach that has compromised the personal information of countless consumers, including myself. Pursuant to the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), I request the removal of fraudulent information from my credit report that has resulted from identity theft and fraud. Equifax is legally required to complete this action within four business days of receiving this complaint. * Fraudulent Accounts to be Removed : XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Date Fraud Began : XX/XX/XXXX Date I Discovered Fraud : XX/XX/XXXX Fraudulent Amount : {$1300.00} XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Date Fraud Began : XX/XX/XXXX Date I Discovered Fraud : XX/XX/XXXX Fraudulent Amount : {$1300.00} XXXX XXXX XXXX Account XXXX : XXXXXXXX XXXX  Date Fraud Began : XX/XX/XXXX Date I Discovered Fraud : XX/XX/XXXX Fraudulent Amount : {$600.00} The accounts listed above are fraudulent and have led to numerous unauthorized hard inquiries and derogatory collections appearing on my XXXX credit report. These entries are unequivocally tied to identity theft and are negatively impacting my credit standing. To substantiate my claim, I have enclosed documentation of my FTC Identity Theft Complaints ( XXXX & XXXX ), which serves as compelling evidence that these accounts, inquiries, and collections are the result of identity theft and fraud. The negligence of Equifax in safeguarding consumer data has enabled identity thieves to exploit my personal information. I expect immediate action to rectify this matter, with acknowledgment of receipt of this complaint and confirmation of the steps being taken to remove the fraudulent information. Failure to comply with this legal obligation will compel me to take further action, including escalation to the CFPB, Federal Trade Commission, and legal avenues available to protect my rights as a consumer. Thank you for your attention to this urgent matter. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Fees or costs after closing
Company: KEYCORP
State: ID

Complaint narrative:
In XXXX, my husband and I opened a small line of credit with KeyBank, paid it off, and believed it was closed when we moved that same year. All KeyBank mail continued to be sent to our old XXXX address, even though we no longer lived there. We received no statements, notices, or annual fee disclosures at our current address. We recently discovered that KeyBank left the line of credit open without our knowledge and has been charging annual fees for years on an account with XXXX activity. A branch manager told us we can not close the account unless we pay approximately {$200.00} in accumulated fees, even though we were never notified about these fees and did not know the account remained open. KeyBank also claims a payment toward these fees was made in XXXX, but we have no record of authorizing or making such a payment. We are requesting that KeyBank refund all the fees due to lack of proper communication and close the account with a {$0.00} balance. We believe this is an unfair practice, and we are asking for CFPB assistance in resolving this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Experian is not investigating disputes. First series of dispute is around erroneous reporting of late payment by XXXX for student loans. I am a XXXX in XXXX XXXX  status with an active deferment in accordance with XXXX. Experian refuses to remove it. I do not think they actually talk to XXXX. 

Second series of disputes. Experian does not investigate a false late reporting by XXXX due to a glitch in their auto pay system. I have submitted evidence of auto pay prior, XXXX years of solid pay history, a bank statement showing sufficient funds, and no notice or communications from XXXX there was an issue. Experian refuses to fix. 

Experian is just rubber stamping disputes in favor of the creditor.

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 2025-12-05 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: NJ

Complaint narrative:
I discovered that LVNV Funding LLC was reporting XXXX large collection accounts under my identity : {$32000.00} allegedly tied to XXXX XXXX  XXXX. 
{$110000.00} allegedly tied to XXXX XXXX XXXX. 

These debts do not belong to me. I never opened, applied for, or authorized any account with XXXX XXXX  XXXX. or XXXX XXXX XXXX. 

I am a confirmed victim of identity theft in an active federal criminal investigation. The FBI formally identified me as a victim under Case Number XXXX, and the U.S. Department of Justice issued victim notifications confirming the case. I have also filed an official FTC Identity Theft Report. 

I notified LVNVs furnishers and the credit bureaus that these accounts resulted from identity theft. Despite this, LVNV continued to report these debts to the credit bureaus, which has damaged my credit and prevented the correction of my consumer report. 

Under FDCPA 809 ( b ) and FCRA 605B, LVNV is required to : Stop reporting identity-theft-related accounts Cease collection activity Notify the credit bureaus to delete the fraudulent information Provide validation, which they have not done I am requesting CFPB assistance to ensure LVNV : Deletes both fraudulent accounts from all credit bureaus Stops all collection activity Marks the accounts as identity theft Confirms in writing that the accounts will not be resold, reassigned, or reinserted These debts were created through identity theft, and LVNV has continued reporting them despite being notified and provided with federal victim documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Gurstel Law Firm, P.C.
State: CA

Complaint narrative:
I got a notification from a law firm stating that they are trying to collect a debt that I own. They say that this debt is from XXXX XXXX XXXX The amount that is own is {$1700.00}. I didn't know the existence of this account until they notified me that they were trying to collect the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am submitting this follow-up complaint regarding the inaccurate personal information currently listed on my credit reports with Equifax. Despite my previous disputes, my credit files continue to contain incorrect or outdated personal identifiers, including variations or misspellings of my name, old or inaccurate addresses, and other personal details that do not belong to me. 

I request that all inaccurate and unverifiable personal information be fully corrected or removed, and that my credit files be updated to reflect my true and current information as follows : Full Legal Name : XXXX XXXX XXXX, Current Address : XXXX XXXX XXXX XXXX XXXX, NC XXXX. 

Under FCRA 611 [ 15 U.S.C. 1681i ], credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information and to correct, update, or delete any data that is found to be inaccurate, incomplete, or unverifiable. The continued reporting of incorrect personal information misrepresents my identity and has the potential to negatively affect my creditworthiness and financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax previously removed the account in question from my credit file as a result of a dispute I submitted. I later received a notice from Equifax stating that the furnisher requested the account to be reinserted and certified that the information was accurate and complete. However, Equifax did not provide me with the required written notice at least 5 business days before the reinsertion, nor did they provide the furnishers certification or any documentation proving the account actually belongs to me.

Under the Fair Credit Reporting Act ( FCRA ), specifically 611 ( a ) ( 5 ) ( B ), Equifax is required to : Notify me in writing at least 5 business days before reinserted information appears on my report, Provide me the name, address, and telephone number of the furnisher, and Ensure the furnisher certifies the accuracy of the information before reinserting it.

Equifax failed to follow these requirements. I am requesting the CFPB to investigate and require Equifax to ( 1 ) remove the reinserted information until proper compliance is met, and ( 2 ) provide full documentation supporting the reinsertion as required by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Shepherd Outsourcing, LLC
State: GA

Complaint narrative:
Was sent 5 total texts from XXXX XXXX, and every single one is missing the required full mini-Miranda wording.

Company response to consumer: Closed with explanation