vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-07 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: SC

Complaint narrative:
Subject : Failure to Investigate and Remove Fraudulent Bankruptcies by TransUnion and Experian I am writing to file a complaint against TransUnion and Experian for failing to properly investigate, block, and remove fraudulent and/or merged bankruptcy public records from my credit file. Despite submitting formal disputes and providing supporting documentation, these credit bureaus have not fulfilled their obligations under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681i and 1681c-2. 

This ongoing reporting of inaccurate and fraudulent public records is causing significant harm to my credit and financial well-being. I respectfully request the CFPBs assistance in ensuring TransUnion and Experian comply with federal law by thoroughly investigating and promptly removing these erroneous entries from my credit reports.

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 2025-06-07 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: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
LVNV Funding LLC is falsely reporting a debt under a name they have no legal or commercial right to use. I have no contract with LVNV, no wet-ink signature agreement, and no verified chain of assignment has ever been provided. 

Their reporting is unauthorized, and they failed to validate anything when previously challenged. This is not identity theft this is an unverified third party trying to claim a commercial interest in a name secured by a private trust. 

XXXX  XXXX XXXX XXXX, a private trust organization, is the secured party and lienholder of the name they are attempting to securitize. A UCC-1 Financing Statement has been lawfully filed and perfected, giving the trust superior commercial and legal interest over that name. 

LVNV Funding is : Violating 15 USC 1692e ( false representation ) Violating 15 USC 1681s-2 ( furnishing inaccurate data ) Committing commercial trespass on secured trust collateral XXXX, by publishing and circulating this false and unverified information on its reports, is also in violation of : 15 USC 1681e ( b ) failure to maintain maximum accuracy 15 USC 1681i failure to reasonably investigate disputed information LVNV previously lost a small claims case regarding a different alleged debt. This current reporting appears retaliatory and unlawful. Both companies are knowingly trafficking in false, unverified data that interferes with trust property. This is fraud, harassment, and unlawful securitization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: FL

Complaint narrative:
There are unauthorized inquiries on my credit report. I reached out to Equifax, and they refused to delete the unauthorized inquiries, stating that they are factual, without providing any proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XXXX XXXX XXXX, I submitted a formal dispute to Experian regarding inaccurate or outdated late payments and delinquency data. Instead of resolving the dispute or responding properly, Experian made harmful updates to my report between XXXX XXXX XXXX XXXX XXXX XXXX.

They re-aged the late payment and delinquency information to make it look as if I had a new late payment, even though no new delinquency occurred. Their system reset the time since last late payment and time since last delinquency to 0 months, which caused a significant drop in my credit score. This is clearly shown in the screenshot I am attaching to this complaint. 

This appears retaliatory while I am actively trying to correct my credit, and it violates the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i and 1681c. I am requesting a correction and a full investigation.

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 2025-06-07 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: FL

Complaint narrative:
Im reaching out because theres an item on my credit report that I believe is inaccurate and not in line with the Fair Credit Reporting Acts requirement for maximum possible accuracy.

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 2025-06-07 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: NV

Complaint narrative:
I am submitting a complaint about fraudulent information on my credit report resulting from identity theft. I submitted a block and delete request to XXXX, Transunion & XXXX under 15 USC 1681c2, including my FTC Identity Theft Report and all required documents. However, the fraudulent accounts remain on my report, despite the legal requirement to remove them within XXXX business days. Please find attached my dispute letter, FTC Identity Theft Report, and supporting documentation.

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 2025-06-07 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: NV

Complaint narrative:
I am submitting a complaint about fraudulent information on my credit report resulting from identity theft. I submitted a block and delete request to XXXX, Transunion & XXXX under 15 USC 1681c2, including my FTC Identity Theft Report and all required documents. However, the fraudulent accounts remain on my report, despite the legal requirement to remove them within XXXX business days. Please find attached my dispute letter, FTC Identity Theft Report, and supporting documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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: AL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts information reporting to my credit report. These remarks have been detrimental to my life and my credit health.

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 2025-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I have received XXXX calls from citibank this week, from XX/XX/year> - XX/XX/year>. I have since learned that an excess of XXXX calls per week is considered harassment. These calls have happened twice a day every day of this week, and have consistently been happening while I am busy, with job interviews or personal matters that require my full attention. I feel as though this company must be held liable for harassment of a customer, or they will continue this same predatory practice on thousands of their customers.

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 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the accounts is mandated. Kindly review the listed account below that requires correction : US DEPT ED XXXX XXXX : {$430.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against ACIMA DIGITAL FKA SIMP regarding an account I have with them XXXX * *. I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : ACIMA DIGITAL FKA SIMP XXXXXXXX * * Balance : {$3200.00} I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with ACIMA DIGITAL FKA SIMP XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
On XX/XX/year>, I paid the {$690.00} annual membership fee for my American Express XXXX card. Just five days later, on XX/XX/year>, American Express cancelled my card without prior notice, citing alleged misuse. I disagree with their decision and was not provided with any specific explanation or details regarding the alleged misuse. 

On the same day the account was closed ( XX/XX/year> ), I contacted American Express customer service to inquire about a refund of the recently paid membership fee. I was told that the amount would be credited to my account in the next billing statement. 

However, when I received the following billing statement, the {$690.00} refund was not included. I contacted American Express again and was informed that they would not be issuing a refund, despite the fact that I had just paid the fee and the card was closed shortly after. 

I am requesting a full refund of the {$690.00} membership fee, as the card was cancelled shortly after payment and I was unable to make use of the benefits for which the fee was charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Consumer Adjustment Company Incorporated
State: MO

Complaint narrative:
I called CONSUMER ADJ in XXXX and paid the {$170.00} owed in full. A little after 30 days I called again to verify payment was received because it was still showing on my credit. They confirmed it was paid in full. So I filed a dispute on XXXX XXXX which came back as approved in my favor, however it still remained on my credit. I waited another month and was told I needed to dispute thru XXXX, so I did and the dispute came back as unpaid in favor of the creditor. I called the creditor again and they confirmed my account was paid in full and closed. And XXXX  is still saying it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-06-07 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: NJ

Complaint narrative:
I checked my credit report and on another bureau it showing as settled and coming off my credit on different months

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 2025-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-06-07 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: DISCOVER BANK
State: LA

Complaint narrative:
Over several months XX/XX/year>- XX/XX/year>, I have been dealing with XXXX  parents, who have XXXX XXXX. During these months, I have not checked my bank account. I received several NSF alerts during this time and I funded my checking account without investigating the reasons. Recently, I received notice that my mortgage and car accounts have not been paid due to NSF. I do not have an account with these companies that would authorize them to withdraw payment from my checking account. The names on the cards listed below are not, in anyway, associated with me. 
Upon investigating the account, I noticed unauthorized charges : XX/XX/year> XXXX {$870.00} for a XXXX XXXX XX/XX/year> Discover Card. {$3900.00} for XXXX XXXX XX/XX/year> XXXX XXXX XXXX. {$960.00} for XXXX XXXX XX/XX/year> XXXX  {$2400.00} for a XXXX XXXX On XX/XX/year> : I phoned the bank telling them what I noticed on the mobile app, and was encouraged to get to the bank straight away. 
On XX/XX/year> : I went to the bank to dispute the charges and I have been told that I am not within the window of opportunity to dispute charges ; however, the customer service representative will place the dispute in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have revoked all data sharing and reporting rights from the following entities under FCRA and XXXX : They continue to store, share, and report my personal data without consent. See list below Transunion Experian Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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:
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 explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

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 ) ( a ) 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. 
Delete the accounts below 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 non-monetary relief