vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 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: AR

Complaint narrative:
I am submitting this follow-up to my prior complaint regarding multiple inaccurately reported items on my credit report, which remain unresolved. The disputed items include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$20000.00} reported by XXXX XXXX ( original creditor XXXX ), XXXX XXXX XXXX XXXX  with a balance of {$320.00} reported by XXXX XXXX ( original creditor XXXX XXXX XXXX  ), XXXX XXXX XXXX XXXX with a balance of {$300.00} reported by XXXX XXXX XXXX ( original creditor XXXX XXXX XXXX XXXX ), XXXXXXXX XXXX XXXX with a balance of {$280.00} reported by XXXX, and multiple inquiries and accounts associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXX/XX/XXXX, and XX/XX/XXXX. Despite my initial dispute, these items remain on my credit report without correction or verification. I am requesting an urgent, thorough reinvestigation of all listed items, and I demand that any account, balance, or inquiry that can not be fully verified be promptly removed from my credit report in compliance with the Fair Credit Reporting Act.

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 2025-11-26 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 submitting this follow-up to my prior complaint regarding multiple inaccurately reported items on my credit report, which remain unresolved. The disputed items include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$20000.00} reported by XXXX XXXX ( original creditor XXXX ), XXXX XXXX XXXX XXXX  with a balance of {$320.00} reported by XXXX XXXX ( original creditor XXXX XXXX XXXX  ), XXXX XXXX XXXX XXXX with a balance of {$300.00} reported by XXXX XXXX XXXX ( original creditor XXXX XXXX XXXX XXXX ), XXXXXXXX XXXX XXXX with a balance of {$280.00} reported by XXXX, and multiple inquiries and accounts associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXX/XX/XXXX, and XX/XX/XXXX. Despite my initial dispute, these items remain on my credit report without correction or verification. I am requesting an urgent, thorough reinvestigation of all listed items, and I demand that any account, balance, or inquiry that can not be fully verified be promptly removed from my credit report in compliance with the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Chime Financial Inc
State: NC

Complaint narrative:
Dear Madam or Sir, I hope this message finds you well. I am writing to seek your assistance regarding the promotional bonus for my Chime checking account, which I opened on XX/XX/year>. According to the promotion, I needed to receive a qualifying direct deposit of $ XXXX each month for the next XXXX months to earn the full bonus. 

Upon opening my account, my first direct deposit of {$160.00} was made on XX/XX/XXXX, followed by another {$160.00} on XX/XX/XXXX. Therefore, within the first month of opening the account, I received a total direct deposit of {$320.00}. I have attached the deposit records for your reference. 

As clearly stated in the promotion details, a direct deposit of $ XXXX must be made each month for the next XXXX months to qualify for the bonus. By XX/XX/XXXX, within the first month, I had received more than {$200.00} in deposits and should have been eligible for the first {$100.00} bonus. Similarly, I received direct deposits exceeding {$200.00} in the second month, making me eligible for the second {$100.00} bonus. The promotion also states that if I receive more than {$200.00} in direct deposits in the third month, I should be eligible for the final {$150.00} bonus. 

However, as the first XXXX months have passed, I have not received any bonus from Chime. After contacting customer service and speaking with an agent and a supervisor named XXXX, I was informed that each direct deposit must be more than {$200.00} to qualify for the bonus. This seems to contradict the promotion details, which only state that a total of $ XXXX in direct deposits is required each month, not that each individual deposit must be over {$200.00} as can be seen in the attachment. 

To summarize, I have met the requirement of receiving more than {$200.00} in direct deposits each month since opening my account. I kindly request your assistance in resolving this matter so that I can receive the bonuses for the first XXXX months and the bonus for the third month as well. 

I appreciate your time and assistance in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: IL

Complaint narrative:
On XX/XX/year>, TransUnion publicly confirmed a data breach that exposed consumer names, Social Security Numbers, and dates of birth. I was identified as an affected consumer and received notice of the breach. Because my SSN and other identifiers were compromised, I am disputing negative accounts that appear on my TransUnion credit report. I do not authorize TransUnion or any furnisher to report or share inaccurate, unverifiable, or fraudulent information on my file. These accounts may be the result of misattribution or identity theft caused by the breach. 
Harm Caused : These derogatory accounts have damaged my credit standing and impaired my ability to obtain financing. Because TransUnion allowed my identifiers to be exposed, I am concerned that unauthorized access, mismatching, or fraudulent activity is the reason these tradelines appear on my 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 non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
XX/XX/year> Merchant : OneMain Financial Amount : {$500.00} Date of Debit : XX/XX/year> I am disputing an unauthorized electronic withdrawal made by OneMain Financial from my bank account on XX/XX/year>, in the amount of {$500.00}. 

In XX/XX/year>, I revoked OneMain Financials authorization to electronically debit my bank account. After revoking authorization, I submitted a single manual payment, which I later cancelled. Following that cancellation, the auto-debit status on my OneMain account displayed as OFF. 

In XXXX XX/XX/XXXX, my debt-relief company began negotiations with OneMain on my behalf. From that point forward, I had no direct contact with OneMain. 

On XX/XX/year>, OneMain initiated an electronic debit from my account without my permission. I did not provide any new authorization, written or otherwise, for them to reinstate auto-debited payments. When I contacted OneMain, they claimed they believed they could resume debiting because auto-pay had been shut off in XXXX. My loan documents do not state that revocation of auto-debit expires or must be renewed. In fact, in prior OneMain loans, revocations remained in force for the duration of the loan. 

This debit was not authorized by me and violates the Electronic Fund Transfer Act ( EFTA ), which requires clear, affirmative authorization for preauthorized electronic debits. I request an immediate provisional credit for the unauthorized withdrawal and a bank investigation into this transaction. 

I can provide documentation of the revoked authorization, my communication history, and the debt-relief companys involvement upon request. 

XXXX XXXX Timeline Graphic ONEMAIN UNAUTHORIZED DEBIT TIMELINE XX/XX/year> Lost employment. 
Revoked OneMain Financials authorization to auto-debit my account. 
Submitted XXXX manual payment, later cancelled. 
Auto-debit status shown as OFF. 

XXXX 2025 Enrolled with a debt-relief company. 
Debt-relief company contacts OneMain and begins negotiations.

No direct communication between me and OneMain from this point forward. 

XXXX 2025 Account handled exclusively by debt-relief company. 
No new authorization provided for OneMain to debit my bank account. 

XX/XX/year> XXXX debits my account for {$500.00} without authorization. 
Contacted XXXX immediately. 
Their explanation : Auto-pay was shut off in XXXX, so we believed we could debit again. 
No written or verbal reauthorization was ever given. 
Debit appears to violate the Electronic Fund Transfer Act ( Regulation E ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX, Tx, XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA, XXXX Subject : Formal Dispute for Inaccurate and Incomplete Credit Reporting To Whom It May Concern, This letter serves as a formal complaint and dispute against TransUnion for reporting inaccurate, incomplete, and unauthorized credit information on my consumer file. 



I am disputing the erroneous items listed below that currently appear in my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am demanding that you provide written documentation of the procedures used to verify these accounts. If you are unable to verify their accuracy, they must be deleted immediately, as they are unlawfully damaging my credit and financial well-being. 



Additionally, under the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ), I have a fundamental right to financial privacy. Section 1681 ( 4 ) of the FCRA further emphasizes the importance of maintaining maximum possible accuracy and protecting consumer credit information. 



TransUnion is also in violation of 15 U.S.C. 1681b ( 2 ), as there exists no permissible purpose to maintain or furnish inaccurate information. The continued reporting of these accounts represents a direct violation of my privacy rights. 



Furthermore, under 18 U.S.C. 1028a, the misuse of personal information and identity theft constitute federal crimes. Any continued reporting of fraudulent or unauthorized information must cease immediately. 



Lastly, 15 U.S.C. 1681c-2 requires credit reporting agencies to block all information resulting from identity theft. The presence of such items on my report is a direct violation of my rights as a consumer. 



Disputed Accounts XX/XX/XXXX : XX/XX/XXXXXXXX : XXXXXX/XX/XXXX: XXXXXX/XX/XXXX Violation : 15 U.S.C. 1681s-2 Terms and conditions were not clear and conspicuous, and no opt-out option was disclosed. Reporting constitutes unlawful transfer of private information. 

Action Requested : DELETE FROM CREDIT REPORT. 
Final Demands Provide written verification procedures for each disputed account. 



Delete or block all inaccurate, unauthorized, or unverifiable information. 



Send me an updated corrected credit report. 



Cease all further unauthorized reporting in violation of federal law. 



Failure to comply will result in immediate escalation to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potential legal action for damages under XXXX U.S.C. 616 & 617. 



Respectfully, 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 2025-11-26 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: FL

Complaint narrative:
I loaded {$470.00} cash onto a Netspend prepaid card at XXXX on XX/XX/year>. My drivers license was scanned at purchase. 
Someone else registered the card online in their name without my permission. 
I reported this as unauthorized enrollment/fraud starting XX/XX/year>. 
Netspend verified my identity and on XX/XX/year> emailed that a Return of Funds check for the full {$470.00} was processed and mailed. 
The check was mailed to the unauthorized person instead of me. 
Since XX/XX/XXXX I have emailed XXXX and XXXX multiple times requesting an immediate stop-payment and re-issuance of the {$470.00} to my correct address or a new card in my name only. 
Netspend has not responded or fixed the problem in over XXXX hours. 
This prevents me from accessing my own money and violates timely return of funds under Regulation E.

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 2025-11-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Paramount GR Holdings, LLC
State: SC

Complaint narrative:
Solar panel loan for company that went bankrupt and panels do nothing to help save electricity

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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:
Dear Transunion This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed an FTC complaint ( # XXXX ), which is attached. There are accounts on my report which do not belong to me. These accounts are hindering me from obtaining new credit and thus causing me much hardship. 
I am 100 % willing to work with the credit bureaus and authorities to resolve this matter as soon as possible. I will be following up with your agency to ensure everything is being done to remove these fraudulent accounts from my report. Please be aware all required documentation is within this packet and has been mailed to your agency. 
I demand the following fraudulent accounts and Inquiries be DELETED from my credit report immediately. 
1. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report XXXX XXXX XXXX Account Number : XXXX I am writing to formally request the removal of an account that I believe contains misleading and false information, as outlined in the FTC filing. This account violates FDCPA Section 807. Please delete it from my credit report ; otherwise, I will consider pursuing legal action. 
2. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report XXXX XXXX XXXX Account Number : XXXX I am writing to formally request the removal of an account that I believe contains misleading and false information, as outlined in the FTC filing. This account violates FDCPA Section 807. Please delete it from my credit report ; otherwise, I will consider pursuing legal action. 
Please block and/or remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.

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 2025-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
I deposited a check for {$12000.00} into my account on Friday, XX/XX/XXXX. They deposited {$400.00} of the full amount, and the following day they deposited the remaining balance. Based on this, I made some important transactions, including a credit payment. On Monday, a rental payment was withdrawn from my account, and the full amount was available. However, the transactions were then suspended and subsequently reinstated. I went to the bank and spoke with them, and they told me I wouldn't receive my money before XX/XX/XXXX. I contacted customer service today and received the same response. I asked who would be responsible for the penalties and fines that occurred, and they said they would be responsible and that I would have to pay a penalty to the bank because my account is now in the negative. I don't see this as fair because I'm certain my check was valid. I would appreciate your intervention to resolve my issue. Thank you.

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 2025-11-26 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:
I am writing to formally file a complaint regarding multiple inaccuracies and potentially fraudulent information reported on my credit report. These errors include accounts listed under addresses where I have never resided, late payments and charge-offs I have no knowledge of, and collection accounts that are inaccurate. 

Specifically : Incorrect addresses have been reported, including : XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Accounts reporting late payments or charge-offs that I have no knowledge of include, but are not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment, balances {$1000.00} and {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off, balance {$1300.00} XXXX XXXX XXXX XXXX Charge Off, balance {$390.00} XXXX XXXX XXXX XXXX XXXX XXXX Charge Off, balance {$3800.00} XXXX XXXX XXXX XXXX XXXX  Late Payment, balance {$10000.00} XXXX XXXX XXXX * XXXX Late Payment, balance {$21000.00} XXXX XXXX XXXX XXXX XXXX  Charge Off, balance {$570.00} Multiple Department of Education XXXX XXXX XXXX XXXX accounts are incorrectly reported with late payments, including balances ranging from {$1500.00} to {$9200.00} across several accounts and dates. I dispute these late payments as inaccurate and request a thorough investigation. 

Collection accounts inaccurately reported include : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  These inaccuracies are severely affecting my creditworthiness and are in violation of the Fair Credit Reporting Act ( FCRA ). I have never resided at the addresses listed above, and I have no knowledge of the listed late payments, charge-offs, or collection accounts. 

I request that the CFPB direct the relevant credit bureaus and creditors to : Investigate and remove all accounts I do not recognize. 

Correct all inaccurate late payments, charge-offs, and collection accounts. 

Remove all accounts associated with addresses where I have never lived. 

I am attaching documentation showing the addresses and accounts in question. Please confirm receipt of this complaint and provide updates on the investigation as required by law. 

Thank you for your immediate attention to this matter. I expect these errors to be corrected promptly to prevent further harm to my credit reputation.

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 2025-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Phone : XXXX Email : XXXX Date : XX/XX/year> LVNV Funding LLC P.O. XXXX XXXX XXXX, SC XXXX RE : Cease and Desist Harassing and Threatening Communications To whom it XXXX concern : I, XXXX XXXX, am writing to formally demand that LVNV Funding LLC immediately cease and desist from all forms of harassing communication, including but not limited to : Repeated and excessive phone calls Use of threatening, intimidating, or aggressive language during calls Your actions constitute harassment and create undue stress. Such behavior may violate the Fair Debt Collection Practices Act ( FDCPA ), which prohibits threatening language, repeated calls intended to annoy or abuse, and other forms of coercive communication. 

Effective immediately, you are ordered to stop all phone contact with me. 
If you believe a debt is owed, all future communication must be conducted in writing only and sent to the address listed above. 

You are required to provide written confirmation within 5 days of receiving this notice that LVNV Funding LLC will comply with this demand. Failure to do so may leave me no choice but to pursue further actions, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), my State Attorney General, and any other appropriate regulatory agencies. 

Nothing in this letter is intended as a waiver of my legal rights, all of which are fully reserved. 

Sincerely, XXXX XXXX XXXX : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to follow up on my previous dispute regarding an unauthorized and unverified hard inquiry that remains on my credit report [ both Experian and Equifax ]. The reinvestigation period has passed, yet this inquiry has not been removed, nor has any proof of authorization or permissible purpose been provided.

Company response to consumer: Closed with explanation