vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 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 discovered fraudulent accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: FL

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these account from my report they are hurting my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Confusing or missing disclosures — 
Company: Chime Financial Inc
State: NY

Complaint narrative:
I deducted XXXX from my mobile Chime account on XX/XX/XXXX, XXXXAnd I sent the XXXX to a business in the form of a check. 
Their policy states it should take approximately 3-9 business days. It has now been a total of 16 business days without a sign of this check or this large sum of money.

It feels like a disservice to consumers like me who rely on their checks and their financial information. For this Company to fail to provide a significant amount of information in regards to which specific third party issued this check and what state is said check, coming from, it is a major red flag and it makes me feel like they intend to gate-keep my financial rights, abilities and knowledge. It is truly unethical and it needs to be addressed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
LVNV is reporting wrong information on my credit report. I asked them for : Original creditor name Account number from original creditor Date of default Proof they own the debt Complete payment history Copy of the original contract or agreement They have not sent me anything I requested no proof of anything. I want the two reporting accounts deleted from my credit report.

LVNV incorrectly listed as original creditor Incomplete or unverifiable account information No proof of contractual obligation This forces re-investigation under FCRA 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: GA

Complaint narrative:
As a federal consumer my rights where violated under 15 USC 1681 as well the. FCRA i never gave permission to report these unlawful accounts and need them removed immediately.

Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I am writing to formally dispute the following accounts and inquiries listed on my Experian credit report. These items are inaccurate, unverifiable, and do not meet the strict requirements for reporting under the FCRA. 

Additionally, under Uniform Commercial Code ( UCC ) principles, I am the drawer and not the buyer or seller in these transactions, and the original creditors suffered no actual loss due to the sale of these debts to third-party collectors. Therefore, these accounts must be corrected to Paid as Agreed or deleted entirely.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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:
As a federal consumer my rights where violated under 15 USC 1681 as well the. FCRA i never gave permission to report these unlawful accounts and need them removed immediately.

Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I am writing to formally dispute the following accounts and inquiries listed on my Experian credit report. These items are inaccurate, unverifiable, and do not meet the strict requirements for reporting under the FCRA. 

Additionally, under Uniform Commercial Code ( UCC ) principles, I am the drawer and not the buyer or seller in these transactions, and the original creditors suffered no actual loss due to the sale of these debts to third-party collectors. Therefore, these accounts must be corrected to Paid as Agreed or deleted entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
The company threatened to use my personal information they have 3rd party organizations that I did not give authorization to have my personal information harassing me and constantly contacting me stating to impact my credit and demanding they will damage my credit I have not gave permission or authorization for my personal details to be released to anyone. This matter is affecting me personally with my credit and my mental health

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: NH

Complaint narrative:
I am filing a second CFPB complaint regarding a {$1000.00} debit-card funding transfer that Santander previously failed to investigate correctly. 

This complaint relates to my prior CFPB case XXXX, in which Santander concluded no issue existed because the transaction did not appear on my Santander statement. That conclusion was incorrect and incomplete. 

Key facts : On XX/XX/year>, XXXX received a {$1000.00} deposit The deposit was initiated on XXXX website using my Santander debit card during account opening XXXX  Transaction ID : XXXX XXXX confirmed the transaction was approved by Santander XXXX further confirmed the funds were later removed due to a reversal initiated by Santander Because this was a debit-card ( card-not-present ) transaction, there is no ACH trace number Santanders prior response stated that because the transaction does not appear on my Santander statement, I am not missing money. This reasoning is incorrect. Debit-card funding transfersespecially those occurring near account closurecan be authorized, settled to the receiving institution, and later reversed internally without appearing on the customers visible statement ledger. 

The fact that XXXX received the funds and later lost them due to a Santander-initiated reversal means Santander originated and processed the transaction and therefore has corresponding records in its debit-card authorization, settlement, and reversal logs. 

Santander has not demonstrated that it reviewed its card-network transaction systems and instead appears to have limited its review to the online statement ledger only. 

I am requesting that Santander : Conduct a full review of its debit-card processing records for XX/XX/year> tied to my Santander debit card Locate the authorization, settlement, and reversal associated with XXXX XXXX ID XXXX Correct the improper reversal and return the {$1000.00} that was removed from my XXXX account I am seeking the return of the {$1000.00} and a complete, good-faith 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 2025-12-29 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: AR

Complaint narrative:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

XXXX XXXX XXXX # XXXX XX/XX/XXXXXXXX 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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
SUBJECT : Formal Dispute and Demand for Deletion Unlawful Reinsertion of Charged-Off, Closed Account or Collection Account. 

XXXX XXXX 1991 XXXX XXXX XXXX, XXXX, FL XXXX Date of Birth : XXXX XXXX digits of XXXX : XXXX Experian XXXX  XXXX XXXX, TX XXXX Re : Unlawful Reinsertion of Charged-Off Account, Closed Account, Collection Account Demand for Deletion. 

Account Name : XXXX  XXXX - Account # XXXX To Whom It May Concern, I am writing to formally dispute the above-referenced account that appear on my Experian credit report. 

This account was previously deleted by Experian following my dispute. However, it was reinserted approximately 15 days later, which raises serious concerns regarding compliance with the Fair Credit Reporting Act ( FCRA ). 

Under 15 U.S.C. 1681e ( b ), Experian is required to follow reasonable procedures to assure maximum possible accuracy of the information it reports. Any information reported must be 100 % accurate and verifiable.

Additionally, under 15 U.S.C. 1681i ( 5 ) ( a ), a previously deleted account may not be reinserted unless : The furnisher of information certifies that the information is complete and accurate, and Experian provides the consumer with written notice of the reinsertion within five ( 5 ) business days, including the name, address, and phone number of the furnisher. 
To date, I have not received proper written notice of reinsertion nor proof of the required certification. 

Furthermore, all information reported on my credit file must be accurate and consistent across all three nationwide consumer reporting agencies ( Experian, XXXX, and XXXX  ). If this account can not be verified as accurate and complete under the FCRA, it must be promptly deleted from my credit report. 

Accordingly, I am requesting that Experian do one of the following : Provide written proof of the furnishers certification of accuracy as required by 15 U.S.C. 1681i ( 5 ) ( a ), including the date of certification and the furnishers full contact information ; or Permanently delete this account from my Experian credit file due to failure to comply with the FCRA. 
If Experian is unable to meet its burden under federal law, this account must be removed and not reinserted. 
Please complete your reinvestigation and provide written confirmation of the results within the time limits prescribed by the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Enclosures : Copy of government-issued ID Proof of address Proof of Deletion

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute unauthorized credit inquiries that appear on my credit report as a result of identity theft. I have filed an official Identity Theft Report with the Federal Trade Commission ( FTC ), and this dispute is being submitted in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), including Sections 605B and 611. I did not authorize the following credit inquiry/inquiries, nor did I apply for credit with these companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XX/XX/XXXX XXXX XXXX my FTC Identity Theft Report reference # attached, along with copies of my government-issued identification and proof of address. Because these inquiries are the result of identity theft, I am requesting the immediate removal of all unauthorized inquiries listed above. If the furnisher can not provide documented proof of my authorization, these inquiries must be deleted from my credit file. Please provide written confirmation once your investigation is complete and the unauthorized inquiries have been removed. Thank you for your prompt cooperation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: VA

Complaint narrative:
Ive 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 credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: VA

Complaint narrative:
Ive 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 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 non-monetary relief
Consumer complaint received 2025-12-29 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: IN

Complaint narrative:
I recently looked at my credit report from TransUnion and I found a hard inquiry that is the result of identity theft. 

This inquiry was not authorized by me and should be removed. 

Please block and/or remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), which states that these must be removed within 4 business days of receipt. 

This inquiry is causing me hardship and are preventing me from obtaining new credit. 


XXXX XXXX - XX/XX/year> This inquiry has no permissible purpose. Delete this inquiry pursuant to FCRA 605B.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
This complaint concerns Nordstrom / TD Bank USA, Account Number XXXXXXXX XXXX XXXX, which is being unlawfully reported on my TransUnion credit report. 

I am a documented XXXX XXXX XXXX XXXX. This account is not mine. I did not apply for it, authorize it, sign for it, or benefit from it in any way. I submitted a valid Federal Trade Commission Identity Theft Report and an official police report. 

Nordstrom has already accepted my police report and removed this account from XXXX, confirming that the account is the result of identity theft. Despite this acknowledgment, Nordstrom continues to furnish and defend this same fraudulent account to TransUnion, which is inconsistent, unlawful, and indefensible. 

Under 15 U.S.C. 1681c-2 ( FCRA 605B ), once a valid identity theft report is received, a furnisher has no discretion to continue reporting, verifying, or reinvestigating the account. Continued furnishing after notice is unlawful. 

Nordstrom has produced no competent or reliable evidence establishing that this account belongs to me. Alleged login activity or internal account access records are legally insufficient and do not constitute proof of consumer authorization. Nordstrom has no : NO WET SIGNATURE NO IN-PERSON IDENTITY CONFIRMATION NO VERIFIED APPLICATION NO VERIFIED DISBURSEMENT RECIPIENT Internal data, access logs, or assumptions can not override a valid FTC Identity Theft Report and police report. Continued reporting under these circumstances constitutes willful noncompliance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
This is a new complaint based on new facts that occurred after my prior CFPB complaint was closed. 

Wells Fargo removed funds from my checking account due to a garnishment order. The funds were exempt child support deposits under XXXX  and federal law. 

After my prior CFPB complaint was closed, a XXXX  District Court judge ruled in my favor, ordered the lien released, and ordered the funds returned. 

The debt collector XXXX XXXX, XXXX XXXX XXXX, XXXX. ) has confirmed they never received any of the garnished funds from Wells Fargo. 

Despite the court order and confirmation that the creditor never received the funds, Wells Fargo refuses to refund my money or explain where the funds are being held. 

This is wrongful retention of exempt funds and failure to comply with a court order. I am requesting immediate reimbursement and written confirmation of the location of my funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: FIRST ADVANTAGE CORPORATION
State: NJ

Complaint narrative:
I am filing this complaint because a background screening company has failed to provide my legally required Full File Disclosure under the Fair Credit Reporting Act ( FCRA ), despite confirming receipt of my request, receiving all requested identity documentation, and later stating that the disclosure was completed. 

On or about XX/XX/2025, I received an adverse action notice from an employer stating that a background report prepared by this company was used in whole or in part in an employment-related decision. Under FCRA Section 609 ( d ) ( 15 U.S.C. 1681g ( d ) ), I am entitled to receive a free copy of the consumer report used in that adverse action. 

I submitted a written request for my Full File Disclosure by Certified Mail in early XX/XX/2025. On XX/XX/2025, the company emailed me confirming that they had received my certified-mail request and advising that additional identity verification documents were required to process the disclosure request. 

On XX/XX/2025, I responded to that email and provided all documents requested by the company in Categories A and B to verify my identity and complete the request. No deficiencies or missing items were identified to me after that submission. 

On XX/XX/2025, the company emailed me again stating : We have completed your request for a Full File Disclosure and asked me to confirm permission for them to send a password-protected copy of the disclosure by email. I replied the same day, XX/XX/2025, explicitly granting permission for electronic delivery. 

Despite confirming that the disclosure was completed and receiving my authorization to send it, the company has not sent the Full File Disclosure, has not provided a password, and has not provided any follow-up communication or explanation. 

As of the date of this complaint : The company confirmed receipt of my request The company requested and received identity verification documents The company stated the disclosure was completed I granted permission for secure email delivery The disclosure has still not been provided This failure has prevented me from reviewing the report that was used to take adverse action against me and from exercising my rights under federal law. The company has not complied with its obligations under the Fair Credit Reporting Act despite multiple documented communications and confirmations.

Company response to consumer: Closed with explanation