vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
Subject : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX I am writing to formally dispute the presence of fraudulent checking account information associated with my name and Social Security number, reported by XXXX  XXXX XXXX and XXXX XXXX. These accounts appear to have been fraudulently used without my authorization, constituting a case of identity theft. 

I am submitting this dispute in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), and the Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ).

To support this dispute, I am providing a copy of a police report filed with [ Law Los Angeles Police Department documenting the fraudulent activity. The accounts in question were not used by me, nor did I authorize anyone to yse them on my behalf. This reporting is damaging my consumer file and is a violation of my rights under federal law.

I am formally requesting : 1.The immediate removal and permanent blocking of all fraudulent checking accounts from my file, as required under 15 U.S.C. 1681c-2.

2. A written confirmation that the disputed information has been removed.

3. A copy of the results of your investigation within the 30-day time period required by law.

Enclosed with this letter are the following documents : A copy of the police report supporting this claim of fraud and identity theft. 
If this matter is not resolved promptly, I am prepared to escalate it to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and seek legal remedies. 
Thank you for your immediate attention to this serious matter. I expect resolution within 30 days. 
XXXX XXXX Social Security number XXXX Enclosures : Police Report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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 letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : 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 non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Formal Credit Reporting Complaint To Whom It May Concern : I am filing a formal complaint against Experian, TransUnion, and Equifax for improper and potentially unlawful credit reporting practices that have negatively impacted my credit score during a time when no payment obligations were due.

1. Improper Reporting of Student Loan Accounts The student loan accounts listed under DPT EDXXXX are being reported as open and actively impacting my credit, despite the fact that I am currently XXXX XXXX XXXXXXXX  and not required to begin repayment until XXXX months after XXXX. I do not confer my XXXX XXXX until XX/XX/XXXX, and I am entering a XXXX XXXX  at the same XXXX  with the same loan servicer just ten days later. Therefore, there is no justifiable reason for these credit agencies to treat these loans as active debts or to begin negatively impacting my score. 

These loans are deferred and should not be factored into credit scoring models at this time. I have not provided permission for these accounts to be reported as currently due, in violation of 15 USC 1681b ( 604A ). If they can not positively affect my credit history while deferred, they should not be allowed to negatively affect it either.

2. Multiple Score Reductions from a Single Paid-Off Account My auto loan was paid off by my insurance company on or around XX/XX/XXXX, following a total loss. Yet, both Experian and TransUnion issued multiple negative score updates from this single payoff within the same reporting cycle. These changes include : TransUnion : 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 Equifax : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is improper under 15 USC 1681s-2 ( a ) and 1681i, which require accuracy and limit repetitive or misleading updates. 

3. Disputed Accounts and Inaccuracies I also dispute the following accounts and request immediate investigation : - XXXX XXXX XXXX  ( Acct # : XXXX ) - XXXX  ( Acct # : XXXXXXXX XXXX XXXX XXXX XXXX  ) - DEPT OF ED/XXXX  reporting loans as active despite deferment status Requested Resolution : - Remove or correct all improperly reported student loan statuses- Eliminate multiple credit score adjustments for the same loan payoff within a single cycle - Remove or correct disputed account entries- Provide an updated credit report free of charge Supporting Laws : - 15 USC 1681 ( 602 ) Fairness and privacy - 15 USC 1681b ( 604A ) Permissible reporting - 15 USC 1681s-2 ( a ) Accuracy of furnished data - 15 USC 1681i Investigation of disputes Please confirm receipt and provide a resolution within 30 days as required by the Fair Credit Reporting Act. 


Sincerely, XXXX XXXX XXXX XXXX XXXX Phone : XXXXXXXX  Date : XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
I have filed XXXX XXXX  bankruptcy. I called a collection agency listed on my credit to let them no and give them the case number. I am not even sure what it was for since it a collection agency. The man told me I still had to set up arrangements to pay and in order to access my information he needed my credit or debit card number to charge me {$1.00} to view my information. I hung up on him.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: VA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal 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 2025-06-04 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: 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 XXXX. 15 U.S.C. XXXX, section XXXX ( A ), states that I have the right to privacy. 

15 U.S.C. XXXX, section XXXX ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. XXXX ( a ) ( XXXX ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

15 U.S.C. XXXX ( A ) ( XXXX ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Oliphant United, Inc.
State: TX

Complaint narrative:
On XXXX XXXX, XXXX, I disputed a LendingClub debt ( {$36000.00} ) with Oliphant USA , LLC, requesting payment history to verify the reported XX/XX/XXXX delinquency, which I believe should be XXXX XXXX, XXXX, based on my last payment on XX/XX/XXXX. Oliphant responded on XX/XX/XXXX, with loan documents ( XXXX ) but no payment history, failing to validate the debt ( FDCPA 1692g ( b ), FCRA 1681s-2 ( b ) ). Their notice to continue reporting as unpaid is misleading, as the debt is time-barred ( XXXX XXXX, XXXX, Texas XXXX XXXX. On XX/XX/XXXX, I sent follow-up disputes to Oliphant and the credit bureaus ( TransUnion, Experian, Equifax ) XXXX demanding deletion of the unverifiable account ( FCRA 1681i ( a ) ( 5 ) ), but it remains on my reports as of XX/XX/XXXX. Oliphant hasnt provided the requested payment history despite my repeated disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: OK

Complaint narrative:
Due to the fraudulent nature of the accounts listed, Please acknowledge receipt of this request and confirm the 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 non-monetary relief
Consumer complaint received 2025-06-04 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am filing this complaint due to the inaccurate, unauthorized, and unverifiable reporting of a deposit account specifically a XXXX XXXX  checking account to the credit reporting agencies ( CRAs ). This reporting violates multiple provisions of the Fair Credit Reporting Act ( FCRA ) and Metro 2 Compliance guidelines. I did not authorize or provide permissible written consent for this account to be reported, and I was not provided the required disclosures or agreement to allow such furnishing. 

Detailed Explanation : XXXX XXXX is reporting a deposit account under my consumer report without proper authorization or a valid permissible purpose under FCRA 604 [ 15 U.S.C. 1681b ]. According to federal law, any furnishing of information to a consumer reporting agency must be : XXXX. Permissible under XXXX of the narrow reasons outlined in the Act ; XXXX. Authorized by the consumer in a clear, written, and documented form ; XXXX. Accurate, complete, and verifiable per FCRA 623 [ 15 U.S.C. 1681s-2 ]. 
The account in question does not meet these legal thresholds. I have not received any physical or electronic signature authorization, and the institution has failed to validate or verify the accuracy of the account as mandated under FCRA 611 ( a ) ( 1 ) ( A ) and 623 ( b ). No formal account-opening disclosures were provided in compliance with federal consumer laws ( including TILA and E-SIGN disclosures ). 
This account is currently causing measurable harm to my credit profile, including lowering my FICO score and impacting my ability to obtain housing and financial services. Under the FCRA, each violation of these rights entitles me to : Actual damages for harm caused ; Statutory damages of up to {$1000.00} per violation ; Punitive damages if the action is proven willful ( FCRA 616 ) ; Attorneys fees and court costs if legal enforcement becomes necessary. 
I demand that the Consumer Financial Protection Bureau investigate this reporting, demand that the furnisher ( Chime/Stride ) provide documented proof of permissible purpose, and, if they can not, that this information be permanently removed from my credit profile across all bureaus ( Equifax, Experian, TransUnion ) 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 2025-06-04 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am filing this complaint due to the inaccurate, unauthorized, and unverifiable reporting of a deposit account specifically a XXXX XXXX  checking account to the credit reporting agencies ( CRAs ). This reporting violates multiple provisions of the Fair Credit Reporting Act ( FCRA ) and Metro 2 Compliance guidelines. I did not authorize or provide permissible written consent for this account to be reported, and I was not provided the required disclosures or agreement to allow such furnishing. 

Detailed Explanation : XXXX XXXX is reporting a deposit account under my consumer report without proper authorization or a valid permissible purpose under FCRA 604 [ 15 U.S.C. 1681b ]. According to federal law, any furnishing of information to a consumer reporting agency must be : XXXX. Permissible under XXXX of the narrow reasons outlined in the Act ; XXXX. Authorized by the consumer in a clear, written, and documented form ; XXXX. Accurate, complete, and verifiable per FCRA 623 [ 15 U.S.C. 1681s-2 ]. 
The account in question does not meet these legal thresholds. I have not received any physical or electronic signature authorization, and the institution has failed to validate or verify the accuracy of the account as mandated under FCRA 611 ( a ) ( 1 ) ( A ) and 623 ( b ). No formal account-opening disclosures were provided in compliance with federal consumer laws ( including TILA and E-SIGN disclosures ). 
This account is currently causing measurable harm to my credit profile, including lowering my FICO score and impacting my ability to obtain housing and financial services. Under the FCRA, each violation of these rights entitles me to : Actual damages for harm caused ; Statutory damages of up to {$1000.00} per violation ; Punitive damages if the action is proven willful ( FCRA 616 ) ; Attorneys fees and court costs if legal enforcement becomes necessary. 
I demand that the Consumer Financial Protection Bureau investigate this reporting, demand that the furnisher ( Chime/Stride ) provide documented proof of permissible purpose, and, if they can not, that this information be permanently removed from my credit profile across all bureaus ( Equifax, Experian, TransUnion ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: TX

Complaint narrative:
The accounts listed in this dispute are not mine and appear to be the result of identity theft or unauthorized activity. I request that you investigate and delete them from my credit report within 15 days in compliance with 15 U.S.C. 1681g. Attached are the documents that support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: GA

Complaint narrative:
Please be advised that due to a data breach, fraudulent accounts now appear under my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX GA XXXX Please delete and block the following accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC XXXX ( b ) and 15 USC XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-06-04 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 inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2025-06-04 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: PA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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