vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-16 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: MD

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 and I 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: CA

Complaint narrative:
I am submitting this complaint to CFPB regarding multiple inaccuracies and unauthorized activities on my credit report. The Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq. ensures that credit reporting agencies must maintain accurate, complete, and verifiable information. I have repeatedly discovered erroneous entries and unauthorized inquiries that are severely impacting my creditworthiness and causing undue stress. 

Account XXXX  XXXX XXXX Late Payment Opened XX/XX/year> Balance Owed : {$0.00} The reported late payment on this account is inaccurate. My statements and bank records confirm that I have never made a late payment. FCRA Section XXXX ( a ) ( XXXX ) ( A ) obligates furnishers to report only accurate information. This false reporting is negatively impacting my credit score and financial reputation. I formally request the bureau to verify this information thoroughly. If the late payment can not be verified, it must be removed immediately. All relevant documentation is attached as proof. I insist that all future reporting for this account is accurate and reflects my responsible payment history. This false late payment can not be tolerated and has already caused unnecessary credit damage. I expect complete correction and confirmation of action taken. 

XXXX XXXX NA Inquiry Date : XX/XX/year> This inquiry was reported without my permission and is therefore unauthorized. I did not submit any application on this date. Under FCRA Section XXXX ( a ) ( XXXX ), no inquiry can be reported without consumer consent. I request the bureau to verify this inquiry. If it can not be verified, it must be deleted immediately. This unauthorized inquiry has negatively affected my credit score. I attach supporting documentation as proof. I insist that all future inquiries are consent-based and accurately reported. Unauthorized reporting is unacceptable and violates my rights under FCRA. I expect a full investigation and written confirmation within XXXX  days, including corrective action if verification fails. 

These inaccurate accounts and unauthorized inquiries demonstrate clear violations of the FCRA. I urge CFPB to assist in enforcing my rights to accurate credit reporting, prompt reinvestigation, and removal of all unverifiable and unauthorized entries. These errors have caused tangible financial harm, stress, and potential loss of opportunities. I request urgent action to ensure compliance with federal credit reporting laws, correction of my credit file, and protection from future misreporting.

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 2025-09-16 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: NJ

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

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 2025-09-16 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: MI

Complaint narrative:
I previously submitted a formal dispute under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) concerning several inaccurate entries on my credit report. These included a closed account from XXXX XXXX that continues to show both a balance and a late payment ; a charge-off from XXXX XXXX XXXX that is inaccurately reported with a {$0.00} balance ; a collection account from XXXX XXXX on behalf of XXXX XXXX XXXX which reflects a high balance that appears to be inaccurate or unverifiable ; and an unauthorized credit inquiry from XXXX dated XX/XX/year> XXXX which I did not authorize or initiate. Despite my efforts to formally dispute these items and provide all necessary identifying and supporting information, the credit bureau ( XXXX ) have failed to conduct a reasonable reinvestigation as required by law. None of the disputed items have been clarified, removed, or properly verified, and I have not received any meaningful response or documentation showing how the information was verified or whether the furnishers were contacted. These actions, or lack thereof, represent a direct violation of FCRA 611 and potentially FCRA 1681e ( b ), which requires that only accurate and verifiable information be included in a consumers file and that reasonable procedures be followed to ensure data 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 2025-09-16 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: NY

Complaint narrative:
I am requesting the CFPB take a deeper look into my complaint regarding Equifax and the account being reported by XXXX XXXX XXXX 

Equifax responded to my complaint by stating that the account has been updated to reflect a XXXX balance and that certain fields were modified, including charge-off amount, account history, and scheduled payment. However, this does not resolve the issue at hand. 

The fundamental problem remains : no proof has been provided that this account belongs to me. Updating account fields is not the same as verifying accuracy. Under the Fair Credit Reporting Act ( FCRA 611 ), a credit reporting agency must ensure maximum possible accuracy and delete unverifiable information. 

To date, neither Equifax nor XXXX XXXX XXXX  has produced a signed application, contract, or any documentation bearing my signature to establish that I authorized or opened this account. Continuing to report an account without proof of ownership is a direct violation of the FCRA. 

I respectfully request that the CFPB require Equifax and XXXX XXXX XXXX to provide verifiable documentation supporting this accounts accuracy and ownership. If such documentation can not be produced, this account should be removed from my credit report in compliance with the FCRA. 

Thank you for your attention to this matter.

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 2025-09-16 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:
I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-16 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: AR

Complaint narrative:
I am disputing the late payment and delinquency entries showing on several accounts. These are incorrect based on my payment history and prior agreement, so I request that they be changed to Paid as Agreed and that all delinquency notations be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Over the years and recently, I have repeatedly requested TransUnion to remove outdated addresses and phone numbers from my credit report, but they have continued to report this inaccurate and obsolete information, ignoring my disputes and requests for correction. This failure violates several provisions of the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681e ( b ) which requires consumer reporting agencies to maintain accurate and up-to-date information, and 15 U.S.C. 1681i which mandates that disputed inaccurate or unverifiable information must be corrected or deletedusually within 30 days. Furthermore, under 15 U.S.C. 1681c, credit reporting agencies are prohibited from reporting outdated negative information beyond the legally allowed timeframes. TransUnions continued reporting of this obsolete information despite my numerous disputes constitutes a willful violation of these FCRA requirements, harming my creditworthiness unfairly. 

I request the CFPBs assistance to ensure TransUnion promptly complies with these legal obligations and removes the outdated addresses and phone numbers from my credit report as required by 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 non-monetary relief
Consumer complaint received 2025-09-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I have also filed with the other company. I in fact have never received any debt letters from the company they claimed. I am asking this bereaved for filing to validate this debt. This is not a debt owed. I sued the co.pany and they failed to respond to lawsuit. But in fact posted it to my credit reports all three of them to damage my score on a account that is not owed. Full removal is required or I will have no choice but to file a lawsuit for damage done to my credit report.The attorney I am getting stated it should have been verified by the company before posting to my reports. It was never verified or validated and there is no debt to collect all are illegally to be posting to my reports. Failing to validate a debt is against the law. Constant harassment and illegally damaging my credit reports are all against the law. I am asking the account be removed fully and cease any and all collections activity. Lvnv funding llc Posted a account for XXXX for {$580.00}. They did not send me any verification letter in any form but have been sitting on my credit now for 11 months. Damaging my credit report without validation of the debt. I spoke to a attorney who advised me that that that is illegal and they should have immediately sent me verification of this debt. I actually. Have a current land lawsuit against XXXX. Due to the fact that they posted another account, they had 2 accounts under my name that they were trying to collective legally, and it was a lawsuit pending that they opened app accounts and people names illegally without verification or proper. Opening of acnow this company they did not verify validate. Or do any of that? Instead, they directly posted it to my credit report. And now I have lost more than a XXXX points on my credit. Due to this account it damaging the reports on all 3 of my credit reports. Apparently it's been posted there since XXXX of XXXX, all the way to XXXX of XXXX that it's months and months of damages to my report without validating this step. I have disputed this step multiple times to the point I had no choice but to go out there. Finger out and follow a current lawsuit against them. And now this company here is damaging. My credit illegally so I have a current lawsuit pending against XXXX due to the fact that they illegally opened app a second account in my name without my permission. So there was 2 accounts with this company in which I have no current accounts with this company. But yet a decollector is collecting a debt that is not owed. I have no documents in regards to this debt.So I can not upload any documents from you or from them due to them.Spelling to validate this step before posting it to my credit damage in my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
I cancelled an order before it was shipped on a Friday the company on the following Tuesday said my order completed and ready to ship even though it was cancelled 5 days before this email. I disputed it with chime. And I lost the dispute and I still haven't received my items or my money. This was XX/XX/XXXX I put in the order and XX/XX/XXXX I cancelled and on XXXX the XXXX I was sent an email that said my order was ready to ship 5 days after I cancelled. I lost out on XXXX dollars and received nothing no items or my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.

Complaint narrative:
On XX/XX/XXXX I tried to send myself money from my XXXX XXXX account to my XXXX  XXXX  account. I decided to do it with Remitly since Ive done it before and before there were no issues, but this time I never got my money. I sent XXXX XXXX and they said transaction was completed and delivered but I never got the money and my bank doesnt even see that transaction. After that I proceeded to contact their customer support and they would keep telling me give it 3 more days then another agent give it 24 hours. So that didnt make any sense since they werent telling me anything concrete and they were just avoiding my questions. When I asked about refund, one of the colleagues said its possible, then later I contacted them again and they said refund is not possible. I thought it would be a safe process since I have done it before but it turns out it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: AR

Complaint narrative:
I am filing this dispute because my credit report contains accounts that I did not authorize or open. I was never notified of their addition, and the information being reported is inconsistent across the credit bureaus. This violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires reporting agencies to assure the maximum possible accuracy of reported information.

These errors also violate 15 U.S.C. 1681i, which requires disputed information to be investigated and corrected or removed within 30 days, and 15 U.S.C. 1681g, which ensures consumers receive accurate disclosures of their credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: CA

Complaint narrative:
I dispute the reporting of late payments and delinquency on my account ( XXXX ). These marks are wrong and should be changed to reflect Paid as Agreed, with any delinquency removed forthwith.

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 2025-09-16 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: NY

Complaint narrative:
This is now my third formal dispute. You have failed to meet your obligations under the FCRA to provide verifiable documentation proving the accuracy of the reported accounts. Under FCRA 1681e ( b ), credit bureaus must maintain maximum possible accuracy, and under FCRA 1681s-2 ( b ), furnishers must investigate disputed information. Failure to do so violates federal consumer protection laws, and I am prepared to escalate this matter further if not resolved promptly.

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 2025-09-16 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: NY

Complaint narrative:
This is now my third formal dispute. You have failed to meet your obligations under the FCRA to provide verifiable documentation proving the accuracy of the reported accounts. Under FCRA 1681e ( b ), credit bureaus must maintain maximum possible accuracy, and under FCRA 1681s-2 ( b ), furnishers must investigate disputed information. Failure to do so violates federal consumer protection laws, and I am prepared to escalate this matter further if not resolved promptly.

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 2025-09-16 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: MD

Complaint narrative:
I am writing to express my ongoing concern regarding the unresolved disputed accounts appearing on my credit report. Despite submitting multiple requests and highlighting the inaccuracies in these accounts, no resolution or corrective action has been taken to date. These inaccurate entries are severely impacting my credit standing and creating significant challenges in my daily life. The continued presence of these errors has caused undue hardship, and I am now urging your immediate assistance in resolving this matter. I respectfully request a full and thorough investigation into each disputed account, and that appropriate steps be taken to correct and update my credit report without further delay. 
Accurate reporting is essential to restoring my financial stability, and I sincerely hope you will treat this issue as a priority. Your prompt attention and cooperation in resolving these discrepancies would be greatly appreciated. Thank you for your time and support.

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