vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The following information is wrong : Incorrect Name - XXXX XXXX XXXX - The following personal information is incorrect- The personal data reporting is inaccurate. 

Please update my credit file to reflect the proper spelling and data as I have indicated above. 

Please also remove the old inaccurate addresses. I do not want to be mistaken for someone else because of these errors that you are reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Hello. XXXXXXXX XXXX credit union took away all my rights to have access to my card. I can not unlock my card replace my card or have any options to do so. My bank will get sued if I have to.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: GA

Complaint narrative:
The following items are fraudulent and were never authorized by me. I have reported the theft to the FTC and submitted an Identity Theft Report, along with all required documentation. The continued reporting of these items violates the FCRA, specifically XXXX XXXX, which mandates that credit bureaus remove identity theft-related information. No signed contracts or valid documentation have been provided. Remove these items from my file at once. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: The Receivable Management Services LLC
State: NY

Complaint narrative:
Their name is the receivable management services LLC. They say I have a XXXX XXXX XXXX XXXX  account with the account number XXXX. It says as of XX/XX/year>. I owe {$260.00}. I have no idea who this debt collector is or who I owe. I have never had an account with XXXX XXXX XXXX before.

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 2025-07-20 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: TN

Complaint narrative:
I rented from XXXX XXXX from XXXX. I have never been late for rent and kept their house in great condition. What did I get in return for being a great resident. I got hit with bogus charges so they can take my {$2800.00} deposit and ruin my credit with thousands of dollars worth of bogus charges. I have all the detail emails between XXXX XXXX and I leading up to me moving out. I also have screenshots of the walkthrough video of my last day at the house because it wont let me upload it, but I will gladly email it to you. As you can see in the move out statement they charged me {$5700.00} for dirty walls and {$2100.00}. They charged me upwards of {$10000.00} so they can steal my deposit. Which I later found out is something that they do to a lot of their tenants.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: FL

Complaint narrative:
I am disputing multiple inaccurate or unverifiable accounts on my credit report that are negatively affecting my credit profile. These include credit card and loan accounts reported by various companies such as XXXX, XXXX  XXXX XXXX, XXXX XXXX, and others. 

On XX/XX/year>, I submitted formal dispute letters to all three major credit bureaus ( Equifax, Experian, and TransUnion ) under 15 U.S.C. 1681e ( b ), requesting an investigation and removal or correction of the inaccurate data. 

I requested verification of each account and validation of the amounts and statuses reported. I also asked for the names and addresses of the data furnishers. 

As of today, I have not received a satisfactory response, and the inaccurate items remain on my credit reports. I am now filing this complaint with the CFPB to ensure my dispute is taken seriously and resolved in compliance with the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Credit Corp Solutions Inc.
State: MI

Complaint narrative:
If disputed and as for a verification and validation of this debt through XXXX as well as the company. The company as well as experience told me that the that is verified how they are verifying it I don't know, but all I know it has been charged off for quite some time but they can not show me any proof it's my debt with a wet signature!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: PA

Complaint narrative:
I am writing to formally request the blocking and deletion of fraudulent accounts from my credit report as permitted under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c-2 ( a ). My information was compromised in the Equifax data breach. As a result, this has led to me being a victim of identity theft, and unauthorized accounts being opened in my name. I have included an attachment of Equifax confirming my information was compromised and I kindly request the blocking of the following accounts and prevent any further reporting of them on my credit report : 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 2025-07-20 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:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within XXXX business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within XXXX business days.

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 2025-07-20 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:
Subject : Formal Demand for Deletion of Inaccurate Information Violation of 15 U.S.C. 1681e ( b ) To Whom It May Concern, This letter serves as a formal dispute and demand immediate deletion of inaccurate information currently being reported on my credit file. The continued reporting of this erroneous data constitutes a direct violation of 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy. 

The following account ( XXXX ) are being reported inaccurately : Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  I am enclosing documentation that clearly proves the information is false and misleading. Your failure to correct this error is not only negligent it is unlawful. You are now on notice that : You must investigate this item thoroughly and manually, not through automated systems like XXXX. 

If the item can not be verified with original documentation, it must be deleted immediately.

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 2025-07-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Chime Financial Inc
State: TX

Complaint narrative:
I had a charge from XXXX for XXXX on XXXX XXXX I have disputed this charge with plenty of evidence and they have not credited my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Valon Technologies, Inc.
State: VA

Complaint narrative:
This company is absolutely predatory! I tried to get you guys to help me to no avail. All you guys did was send me right back to this malicious company. Valon should not even be in business! If you look at the XXXX filings you will see NOTHING but corruption! They have played me from the start when my Mother died leaving me XXXX  months behind. There was PLENTY of equity, easily XXXX, in this house to do a loan modification. I jumped thru their hoops and all they did was prolong the process so the debt became higher. I was tossed around from XXXX person to another and NONE of them were loan officers. This company is bar none trying to steal my home!! They were supposedly working with me even last week and did NOT put a delay on the foreclosure! As I understand that is against regulations. I have filed a pro se motion to STOP the sale & pray the judge grants it tomorrow before the sale. I will be in the process of being FORCED to file bankruptcy HOPING that will stop it should the judge not rule in time. 

I am in shock that nothing has been done about this corrupt company when that IS the job of the CFPB. If I lose my home which goes back XXXX generations, you will see a listing of my XXXX as I am XXXX, have NO money to move & NO where to go. But no one seems to care. They are XXXX XXXX owned and THAT should tell you everything right there. I absolutely intend on suing themshould I survive. 

I HOPE the CFPB does SOMETHING about this horrid company for the sake of me and many many others. Seriously, just look at the XXXX complaints and that should be enough to shut them down!! They are bar none the most corrupt horror of a company I have ever come across. For the love of XXXXDO SOMETHING ABOUT THEM!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: Credit Bureau Services Association
State: TX

Complaint narrative:
{$2700.00} ( XXXX ) {$540.00} ( XXXX ) {$18000.00} ( XXXX ) {$7100.00} ( XXXX ) I sent in a letter asking for the debt to be validated and i never received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: AL

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 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : XXXX - XXXX 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 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 2025-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/year> XXXX XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/year> THESE ACCOUNTS ARE fraudulent, I AM AN VICTIM OF IDENTITY THEFT.

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 2025-07-20 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: GA

Complaint narrative:
This account was opened during a difficult financial period. I experienced [ briefly explain e.g., job loss, medical emergency, pandemic-related hardship, etc. ], which made it difficult to keep up with payments. I attempted to resolve the issue, but the account was eventually charged off. However, I believe the current reporting does not reflect the full context, and Im not sure the amount or status being reported is accurate.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I am requesting that you investigate this account. Please verify all reported information with documentation from the original creditor. If you can not provide proper verification, the account must be corrected or removed entirely from my credit file.

Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), any furnisher of information must ensure the accuracy and integrity of the data being reported. If the account has been sold or transferred, please include documentation confirming the current ownership and balance breakdown. 

If this account is in collections, I also request full validation under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), including the original signed agreement and itemized statement.

Please send me the results of your investigation in writing within the 30-day period required by law. 

Thank you for your time and 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 explanation
Consumer complaint received 2025-07-20 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: GA

Complaint narrative:
This account was opened during a difficult financial period. I experienced [ briefly explain e.g., job loss, medical emergency, pandemic-related hardship, etc. ], which made it difficult to keep up with payments. I attempted to resolve the issue, but the account was eventually charged off. However, I believe the current reporting does not reflect the full context, and Im not sure the amount or status being reported is accurate.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I am requesting that you investigate this account. Please verify all reported information with documentation from the original creditor. If you can not provide proper verification, the account must be corrected or removed entirely from my credit file.

Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), any furnisher of information must ensure the accuracy and integrity of the data being reported. If the account has been sold or transferred, please include documentation confirming the current ownership and balance breakdown. 

If this account is in collections, I also request full validation under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), including the original signed agreement and itemized statement.

Please send me the results of your investigation in writing within the 30-day period required by law. 

Thank you for your time and cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: TX

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX Balance : {$2100.00}, XXXX XXXX XXXX : {$890.00}, XXXX XXXX XXXXXXXX XXXX Balance {$280.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXXXX/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 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 2025-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BTH Management
State: TX

Complaint narrative:
I AM AN VICTIM OF IDENTITY THEFT, DUE TO DATA BREACH WITH XXXX XXXX BANK!! THIS IS NOT MY ACCOUNT XXXX Account number XXXX Account type Line of Credit Responsibility Individual Date opened XX/XX/XXXX Status Collection account. 
Status updated XX/XX/XXXX Balance {$0.00} Balance updated XX/XX/XXXX Recent payment-

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX Balance : {$2100.00}, XXXX XXXX XXXX : {$890.00}, XXXX XXXX XXXXXXXX XXXX Balance {$280.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXXXX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX Balance : {$2100.00}, XXXX XXXX XXXX : {$890.00}, XXXX XXXX XXXXXXXX XXXX Balance {$280.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXXXX/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 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 non-monetary relief