vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 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: CA

Complaint narrative:
I was looking at my credit report and i saw 4 accounts that was opened fraudulently. 

XXXX XXXX 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 2025-05-29 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I was looking at my credit report and i saw 4 accounts that was opened fraudulently. 

XXXX XXXX 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 2025-05-28 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 demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I got hired at a new job and my XXXX XXXXXXXX sent me a check in the mail and i cashed it with my bank and it cleared. It was a {$2900.00} check, so they held it for a week and then released the entire amount of funds into my account. But then a week later, my bank took the funds back and tried to say that the check was fraudulent but I had already spent a couple hundreds of dollars out of it. So not only did they take the amount of the check back, but then the payments i made with the money bounced and put me in even worse debt. The check went all the way to the federal reserve and got cleared, and I was told my funds were good, and almost 10 days later they just reverse the funds and put my account in the negative and tell me that they are saying it is a fraudulent check due to the signature? Not even the account or routing number, but the signature?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: MO

Complaint narrative:
I HAVE BEEN AFFECTED OF TRAFFICKING AND EQUIFAX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND TRAFFICKING. 

Account Name : XXXX XXXX XXXX XXXX # XXXX * * - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: Chime Financial Inc
State: MO

Complaint narrative:
I had a fraudulent account closure to my secured credit card on XX/XX/XXXX from XX/XX/XXXX to XX/XX/XXXX that promised reinstatement and opening reactivation of this account upon failing to keep the written commitment that explain that I have to wait 25 days to reapply after the expiration of the 25 days they still does not keep the commitment and from that closure date they have reported that the account is open for the month of XXXX XXXX XXXX and XXXX and have reported a very large debt of XXXX on the secured credit account that can not incur such debt this declaration is a false debt They are also reporting that the account is open but telling me that it is closed so they are recording lies false account status and false debt i disputed it with All three credit bureaus and supplied Chime Banks written responses as well as bank statements from them as proof upon reviewing all of the screenshots stating that there is no debt and the account is closed after the investigating chine bank knowingly continue to report this false information regarding the false debt and the false account status after reviewing the evidence including the statement from their own bank statement they're reported and response and rebuttal that all of the information that provided is verified despite the numerous evidence to declare otherwise the credit bureaus with this evidence continue to support chimes verification despite the clearance concise evidence that the information they are providing is false it is damaging and over the past 3 months I have lost more than XXXX points in my credit score I continue to decline because of it it has increased my utilization allowing for no credit remaining by maximizing the entire credit allowed with this false declaration despite appealing with the bureaus and providing said evidence. The bureau allowed it leaving me no choice but to file a complaint with the CFPB to appeal the bureaus decision and allowing time to continue with the section of my credit score with this false debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: PA

Complaint narrative:
my account was closed for no reason. they can not provide information on why my account was closed. do not use chime.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: OH

Complaint narrative:
XX/XX/XXXX These items reporting on my credit report is also past the 7 year statue of reporting and thus needs to be removed. 

None of the illegal accounts/INQUIRIES below is tied to any of my addresses, they were all illegally opened. By FTC and FCRA these ACCOUNTS MUST BE REMOVED WITHIN 30 DAYS OF RECEIPT OF NOTICE Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed.

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, Equifax, Experian . These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, Equifax, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, Transunion, and Experian report. 

These addresses nor accounts are tied my Equifax report and these illegal items needs to be removed Immediately. This is seriously causing a delinquency on my score. These accounts are not listed on my ADDRESS ON MY EQUIFAX AND NEEDS TO BE REMOVED ASAP! 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$350.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1200.00}

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 2025-05-28 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: OK

Complaint narrative:
( GENESIS CREDIT MANAGEMENT LLC ) I am disputing a debt account that has remained on my credit report for over two years, continually increasing in balance without my acknowledgment, consent, or any legitimate proof of ownership. The alleged debt appears to stem from a rental agreement ; however, I have no contract with the reporting company, and no legally valid transfer of debt ownership has been shown.

The only documents I received were unclear copies of what may have been an old lease and miscellaneous documents bearing my name, none of which satisfy the requirements under federal law for debt validation. These documents were never requested by me, never approved, and do not include a signed agreement with the debt collector. No original creditor statements, no chain of custody, and no proof of assignment were included. This is not a legal validation under FDCPA 809 ( a ).

Additionally, this company continues to report damaging information to the credit bureaus ( specifically TransUnion ), despite my repeated disputes dating back to 2024. TransUnion acknowledges the issue has been ongoing, but no correction or removal has occurred. This is a clear violation of the Fair Credit Reporting Act ( FCRA 611 ), which mandates proper investigation and correction of disputed information. 

The debt collector has also failed to comply with data privacy regulations by sharing or acquiring my sensitive personal information without my permission, which may violate the Gramm-Leach-Bliley Act ( GLBA ). I was never notified or asked to authorize the transfer of my data, nor was I informed of any change in ownership of the alleged account.

Their continued failure to provide proper validation, their use of outdated or incomplete documents, and their refusal to cease reporting after lawful disputes is not only deceptive it's criminal. 

Under the current XXXX XXXX, which has emphasized corporate accountability and consumer protection enforcement, these practices must be investigated and stopped. 

I demand the immediate removal of this account from all credit reporting agencies and a formal investigation into the reporting company for violations of the FDCPA, FCRA, and GLBA. These actions are abusive, fraudulent, and harmful to my financial stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: NV

Complaint narrative:
After i reviewing my credit report i noticed an account that i did not recognize. After doing some digging and consulting a XXXX XXXX it came to my knowledge that the account was opened fraudulently. I signed and created a Identity Theft report. I was directed by the FTC to file this claim to have this account removed as a result. The account " XXXX XXXX XXXX '' was opened on the date XX/XX/year> with fraudulent charges exceeding {$1600.00}.

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 2025-05-28 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: NV

Complaint narrative:
After i reviewing my credit report i noticed an account that i did not recognize. After doing some digging and consulting a XXXX XXXX it came to my knowledge that the account was opened fraudulently. I signed and created a Identity Theft report. I was directed by the FTC to file this claim to have this account removed as a result. The account " XXXX XXXX XXXX '' was opened on the date XX/XX/year> with fraudulent charges exceeding {$1600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: OneMain Finance Corporation
State: AL

Complaint narrative:
I was a victim of identity fraud years ago and the said person took out many loans in my name. This being one. I have paid for years to keep my credit in good standing, since said person was not making payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: AL

Complaint narrative:
I was a victim of identity fraud years ago and the said person took out many loans in my name. This being one. I have paid for years to keep my credit in good standing, since said person was not making payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: AL

Complaint narrative:
I was a victim of identity fraud years ago and the said person took out many loans in my name. This being one. I have paid for years to keep my credit in good standing, since said person was not making payments.

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 2025-05-28 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: FL

Complaint narrative:
I have sent three letters to XXXX XXXX XXXX asking them to validate the alleged debt they claim I owe. I gave them more than thirty days to respond to each letter individually, but They have refused to respond and or validate the debt. According to law silence is acquiescent. XXXX XXXX XXXX do not have my written and or other consent to use my personal identifying information to furnish fraudulent adverse information on my consumer report. If XXXX XXXX XXXX continues to furnish this fraudulent information on my consumer report, I will sue.

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 2025-05-28 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: FL

Complaint narrative:
I have sent three letters to XX/XX/XXXX asking them to validate the alleged debt they claim I owe. I gave them more than thirty days to respond to each letter individually, but They have refused to respond and or validate the debt. According to law silence is acquiescentXX/XX/XXXX do not have my written and or other consent to use my personal identifying information to furnish fraudulent adverse information on my consumer report. If XX/XX/XXXX continues to furnish this fraudulent information on my consumer report, I will sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: CT

Complaint narrative:
In XX/XX/year>, I spoke with a Discover Card representative about an outstanding account. During this call ( which Discover records ), I was told that if I made the agreed-upon payments, the account would not be reported as a charge-off to the credit bureaus. Based on that promise, I made my first payment in XXXX and have continued to follow the agreed payment terms. 

Despite this, Discover has since reported the account as a charge-off, which contradicts the agreement made. This is misleading and is damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: NY

Complaint narrative:
I discovered incorrect 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Subject : FORMAL DISPUTE OF FRAUDULENT ACCOUNT & REQUEST FOR PERMANENT REMOVAL UNDER FCRA, FCBA, AND ID THEFT LAWS This appeal is a formal notice of dispute regarding a fraudulent account that has been wrongfully reported under my name and Social Security Number. I am a verified victim of identity theft, and this fraudulent account is causing unwarranted damage to my credit profile. 
Disputed Account : Creditor Name : XXXX XXXX Partial Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Account Type : Revolving Flexible Spending Credit Card Date Opened : XX/XX/year> Reported Balance : {$0.00} Monthly Payment : {$0.00} Status : Paid ( Yet unauthorized and fraudulent ) I assert with full legal weight that : I never applied for, opened, authorized, signed for, used, or acknowledged any such account. 


I have no contractual obligation or legal liability for this account. 


I have never had any collection accounts, nor do I acknowledge any past-due or charged-off debts. 


This account was fraudulently created without my knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/year>, claim XXXX was filed when Wells Fargo was notified of the transactions totaling to {$230.00} using your debit card ending in XXXX being unauthorized. The Wells Fargo Claims Assistance Center investigated this dispute and has determined that the transactions were authorized and it was paid by secured digital wallet. Wells Fargo stated no processing error occurred and the claim was closed unpaid on XX/XX/year>. 

In our initial request for an investigation, Wells Fargo Claims Assistance Center stated they could close the card that was affected and send a replacement card, but beyond that there was nothing they could do and recommended we contact XXXX  and XXXX XXXX We contacted XXXX and XXXX XXXX customer service and they both also stated that nothing could be done on their end as well. The above conclusion was provided after escalating the matter with Wells Fargo and after they initially denied our initial request. 

As you will see in the provided documentation, there were several transactions for the amount of {$49.00} and another for the amount of {$8.00}, that were made through digital wallet tap from different areas of XXXX XXXX, but we were in XXXX at the time of those unauthorized transactions. The signs of fraudulent activity are clear to me yet Wells Fargo concluded that they could not reimburse those transactions because the transactions were authorized via digital wallet tap.

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 monetary relief