vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-08 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: PR

Complaint narrative:
this hard inquiries dosent belong to me and needs to be removed from my credit report 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 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 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 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

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 2025-11-08 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: TX

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 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 2025-11-07 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hello Experian, Your company failed to respond to my initial dispute letter as of today. I sent my request disputing the inaccurate and incomplete information. Now according to 15 U.S. Code 1681b the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates to. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATE!! 

XXXX XXXX XXXX  Document Continues XXXX XXXX XXXX Unauthorized Accounts : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Balance : {$7100.00} XXXX XXXX XXXXXXXX Account Number XXXX XXXX  Balance : {$10000.00} XXXXXXXX XXXX XXXX Account Number : XXXX  Balance : {$4900.00} Unauthorized Inquiries : Account Name : XXXX XXXX Inquiry date : XX/XX/XXXX Account Name : XXXX XXXX Inquiry date : XX/XX/XXXX Account Name : XXXX XXXX Inquiry date : XX/XX/XXXXXXXX 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 explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TekCollect Inc.
State: MD

Complaint narrative:
This item is being reported in error. The alleged debt stems from a contract with XXXX XXXX XXXX, which went bankrupt and ceased operations without fulfilling the services that were agreed upon. XXXX XXXX XXXX would only communicate with me through their online portal, so all of my records & correspondence became immediately inaccessible to me following their bankruptcy. As such, no valid obligation exists, and the account is invalid. 

I was still waiting for refinement aligners & therefore still a client in treatment. They filed for bankruptcy before my new aligners were ever shipped. If they'd been sent I would take no issue with paying the remaining balance on my account. I never once spoke to a licensed & degreed dentist throughout the entirety of my treatment. I was not referred to any other company with access to my dental records or documentation, as other former clients seem to have been. 

I have already requested validation from TekCollect with evidence of any of my dental records and/or documented proof from XXXX XXXXt XXXX that XXXX had completed treatment. They only response I received was a copy of my contract with XXXX XXXX XXXX that they claim is evidence of debt owed, but TekCollect has failed to provide sufficient documentation verifying the debt or any sort of documentation demonstrating that services were rendered in full as promised under the contract, as required by the Fair Debt Collection Practices Act ( FDCPA ). The only documentation provided to me was a copy of the original contract I signed when going into business with the now bankrupt XXXX XXXX XXXX which is something I already possess a record of. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate disputed information and remove any account that can not be properly verified. 

Accordingly, I request that this account be immediately investigated and deleted from my credit file. At this point I am not sure who else to turn to regarding this matter. My credit score has been impacted by debt that isn't owed due to XXXX XXXX XXXX 's utter failure to fulfill their end of the contract we had agreed to prior to their bankruptcy. 

Thank you for your prompt assistance.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Explanation of the Situation and Direct FCRA Violation : I am filing this formal complaint against TransUnion for a direct and proven violation of the Fair Credit Reporting Act ( FCRA ) by failing to process a formal dispute that was physically delivered to their office. This failure prevents any reasonable investigation from occurring. 
Chronology and Documented Facts ( FCRA Violation ) : XXXX. Formal Dispute Submitted : I mailed a Formal Dispute letter to TransUnion on XX/XX/scrub>XXXX XXXX XXXX 
XXXX. Delivery Confirmed : I have attached the Certified Mail Proof of Delivery, which confirms TransUnion received my dispute at their premises on XX/XX/scrub>XXXX XXXX XXXX 
XXXX. Proof of Negligence : As of today ( XX/XX/year> ), my TransUnion account status page explicitly states that " You don't have any active requests for disputes submitted online '' and " We can't find any recently completed disputes on this site ''. 
Violation : This proves TransUnion failed to register, open, or process the delivered dispute, making it impossible for them to fulfill their legal duty to investigate the matter under the FCRA. 
Inaccuracy and Documented Systemic Failure : XXXX. Inaccurate Reporting : The account reported by XXXXXXXX XXXX XXXXXXXX is fundamentally inaccurate. The debt originated as an Unsecured Personal Loan from XXXXXXXX XXXX XXXXXXXX XXXX. 
XXXX. Systemic Failure Confirmed : XXXX  and XXXX  have already acknowledged the issues with this identical account in response to my previous CFPB complaints, confirming the data provided by the furnisher ( XXXX  ) is unverifiable and inconsistent across the industry. 
Violation and Desired Resolution : TransUnion violated 15 U.S.C. 1681i of the FCRA by failing to process and register a dispute that was verifiably delivered.

I request the CFPB to order TransUnion to immediately and permanently delete the XXXX XXXX XXXX entry ( Account XXXX ) from my credit report due to the severe procedural violation and the proven inability of the furnisher to report accurate data.

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 2025-11-08 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX and all three credit bureaus- Equifax, Experian, and TransUnion. They are all reporting an XXXX XXXX account that does not belong to me and is severely damaging my credit. 

The account number is XXXX, and it is reporting as a charge-off since XXXX. I have never had an XXXX XXXX card in my life. This is not my debt. I do not know who this account belongs to, but it is clearly a case of a mixed file or identity error. 

It is unacceptable that this fraudulent account is reporting on all three of my credit reports. This means the error is widespread, and both XXXX XXXX and the credit bureaus have failed in their duty to maintain accurate information. 

This violates the Fair Credit Reporting Act ( FCRA ), specifically : FCRA 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy.

FCRA 1681i : Failure to conduct a proper reinvestigation after I dispute this information.

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 2025-11-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX and all three credit bureaus- Equifax, Experian, and TransUnion. They are all reporting an XXXX XXXX account that does not belong to me and is severely damaging my credit. 

The account number is XXXX, and it is reporting as a charge-off since XXXX. I have never had an XXXX XXXX card in my life. This is not my debt. I do not know who this account belongs to, but it is clearly a case of a mixed file or identity error. 

It is unacceptable that this fraudulent account is reporting on all three of my credit reports. This means the error is widespread, and both XXXX XXXX and the credit bureaus have failed in their duty to maintain accurate information. 

This violates the Fair Credit Reporting Act ( FCRA ), specifically : FCRA 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy.

FCRA 1681i : Failure to conduct a proper reinvestigation after I dispute this information.

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 2025-11-08 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: AR

Complaint narrative:
I am submitting to formally dispute the reporting of late payment information on my credit file regarding the following account. 
XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX late 30 days XX/XX/XXXX Under FCRA 611 ( 15 U.S.C. 1681i ), I am exercising my right to dispute inaccurate information with a credit bureau and request a complete reinvestigation. Additionally, FCRA 623 ( a ) ( 2 ) mandates that furnishers have a duty to correct and update information they find to be inaccurate or incomplete, and FCRA 623 ( b ) requires furnishers to conduct a thorough investigation of disputed information and report back to the bureau. Congress established FCRA 602 to ensure that consumer reporting agencies maintain maximum possible accuracy of consumer information. Reporting incorrect late payments violates this purpose and unfairly damages consumers 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 non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
DEAR BANK OF AMERICA : I am formally disputing the accuracy, validity, and completeness of the above-referenced account, which has been reported to the credit bureaus and attributed to me. I have no verified relationship with your company or any other original creditor you listed, and I was never provided proper notice of this alleged debt. 

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I demand full validation of this account. Specifically, I request the following documentation : Original Credit Agreement ( the contract I allegedly signed, if applicable ) Full Itemized Statement ( showing how the balance was calculated ) Forward Flow Agreement ( proving debt transfer from original creditor ) Chain of Title / Assignment Documents ( showing legal transfer of ownership ) Complete Payment History Records ( verifying payments or delinquencies ) Validation Notice ( per FDCPA 1692g ) Notice of Default / Intent to Collect ( as required by law ) Proof of Statute of Limitations ( confirming debt is legally collectible ) Credit Reporting Agreement ( authorizing reporting to bureaus ) Documentation of Prior Dispute Investigations ( per FCRA 1681i ) To date, I have not received these required documents. Instead, I have only been sent generic, automated responses that do not constitute lawful validation. Therefore, the account remains unverified and legally unenforceable.

Continuing to report or collect on an unverifiable account violates FCRA 1681e ( b ) and 1681s-2 ( b ) as well as FDCPA 1692g ( b ). Courts including XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX that unverifiable or misleading data can not lawfully remain on a consumers credit 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 2025-11-07 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am filing a complaint regarding unauthorized credit inquiries that appear on my credit report from Experian. I previously submitted a written dispute on XX/XX/scrub>XXXX XXXX attached ), which clearly identified the disputed inquiries as fraudulent and requested their removal. It has been over two weeks, and I have received no response or resolution from the bureau.

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 2025-11-08 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: FL

Complaint narrative:
I am submitting this follow-up to formally dispute the reporting status of two accounts on my credit report that are currently reported as Late Open, which I believe to be inaccurate and not reflective of my actual payment history. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$710.00} XXXX expect you to comply with the timeframes and documentation requirements mandated by federal law. Continued reporting of inaccurate information is harmful and may constitute a violation of my rights under 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 2025-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: AL

Complaint narrative:
Chime closed my account with {$8100.00} in it. They sent me an email saying that I have a balance of {$8100.00} and that they are going to wait XXXX  days for any payments to clear, and then I should receive a check in the mail within XXXX  days since the closure date. Hearing the word " should '' rather than " will '' scares me but whatever, if it has to go to small claims court than it will. 

But anyways It has now been XXXX  days exactly, XXXX  days will start tomorrow. I have not seen any emails about my check being sent out or anything. Does anyone know how long it takes to receive a check, after the initial XXXX  days for processing? This has been the longest and most stressful XXXX  days as is.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
We have been receiving calls from a Collector named XXXX from XXXX XXXX XXXX on a debt or debts we no longer owe per XXXX and XXXX date of delinquency expiration. It seems that they are skirting around the Cease and Desist order we filed to counter the original creditors/ their collection agents and now by proxy they have hired a new Collector to continue the harrasment and mental abuse. We demand that per expiration of the XXXX and XXXX date of delinquency expiration, cease all collection efforts and stop any attempt to report any/all derogatory information to the Credit bureaus. Reporting or attempting to collect on unvalidated debts violates the FDCPA and the FCRA and this will not be acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-08 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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