vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-19 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:
In XX/XX/XXXX, a fraudulent line of credit account was opened in my name with XXXX XXXX XXXX without my knowledge, authorization, or consent. I have never applied for, initiated, or agreed to any account or financial product with XXXX XXXX XXXX. Despite this, the company reported an account to TransUnion and Experian, falsely indicating that I was responsible for a line of credit of {$140.00} and showing a 30-day delinquency before it was closed by the creditor in XX/XX/XXXX. 
Upon discovering this fraudulent account in my credit reports, I immediately filed disputes with TransUnion and Experian requesting deletion under FCRA 605B ( Identity Theft and Fraud Protections ) and provided proof of identity theft, including documentation showing that I had no relationship with XXXX XXXX XXXX. Despite submitting supporting evidence, including affidavits and identity verification, the account remains inaccurately listed on both credit reports. 
This unauthorized account and its false delinquency reporting have negatively affected my credit score and financial reputation. I am requesting immediate removal of all XXXX XXXX XXXX account data from my TransUnion and Experian credit files, along with written confirmation of permanent deletion. 
Timeline of Events : XX/XX/XXXX : Fraudulent account opened with XXXX XXXX XXXX without authorization. 
XX/XX/XXXX : Unauthorized activity and false reporting continued. 
XX/XX/XXXX : Account closed by creditor ; still reported as 30 days delinquent on Experian. 
XX/XX/XXXX : Account shown as Paid or paying as agreed on TransUnion, despite being fraudulent. 
XX/XX/XXXX XXXX : Filed disputes with both TransUnion and Experian ; account remains inaccurately listed.

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 2025-10-19 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: MD

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-19 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: CL Holdings LLC
State: IL

Complaint narrative:
Jefferson Capital systems {$800.00} XX/XX/XXXX $ {$1300.00} XX/XX/XXXX These were unauthorized charges I dont recognize I never had these accounts I disputed 4 times and told the company I had no knowledge of accounts still nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: KY

Complaint narrative:
Starting on XX/XX/year> I tried to do a purchase using my debit card and got a decline. I immediately logged into my Chime acct. To find i was negative. I then pulled up transactions and shows pending transactions that I did not make. They began at XXXX ( Im not even awake at this hour ). My statement showed XXXX XXXX made six transactions to XXXX XXXX  Transfer. Transactions where, XXXX, XXXX, and XXXX. XX/XX/XXXX i was hit again at XXXX by a XXXX XXXX six transactions of, XXXX, XXXX, and XXXX. XX/XX/XXXX at XXXX hit again by a XXXX XXXX XXXX XXXX XXXX transactions for XXXX, XXXX, XXXX, XXXX, and XXXX. Then XXXX XX/XX/XXXX, three transactions from XXXX XXXX at XXXX. For XXXX, XXXX, and XXXX. All transactions were to XXXX XXXX  transfer. I called chime and made them aware of my problem and while speaking to them transactions were still coming through. I ask Chime to close or shut down my acct before they took all my money. They wouldn't do it so all my money got gone. With Chime my acct was frozen and debit card closed and replaced two times. I called and spoke with XXXX XXXX  and they did a fraud check and couldn't find any money coming from Chime or my name associated with transfers, deposits, or account verification. I forward the email that explaining this to Chime from XXXX XXXX. I then went to the police department and filed a police report and forward it to Chime. And the decision Chime made was to decline my dispute. XXXX is a large amount of my money I need. Im in trouble with my loan car payment, car insurance my medications. That I need to pay but can't because my money is stolen!!! Chime also sent me notification that pending charges on my acct have been. Reversed and added back to my acct. This was never done

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-10-19 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: MI

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-19 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This account was closed by original creator and I was not provided 1099. This creditors did not have authorization to use my account information. Multiple re-aging attempts. I was garnished in Texas for account in Minnesota unlawfully. I was blocked by email by creditor once garnished. I have not been refunded

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
RE : FCRA 605B Identity Theft Investigation Demand Regarding Fraudulent Accounts I am a confirmed victim of identity theft pursuant to the Federal Credit Reporting Act ( FCRA ). The accounts listed below were not opened or authorized by me. They are reporting as if I am responsible, which is false.

This dispute is submitted under FCRA 605B. I am NOT requesting a standard 611 reinvestigation. I am invoking my fraud victim rights under 605B. 

Furnishers involved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( two separate accounts ) The FTC Identity Theft Affidavit is being filed and will be uploaded upon issuance. You must hold this dispute open pending receipt of that affidavit, as required by 605B ( d ).

LEGAL DEMANDS UNDER 605B : 1 ) You are required to conduct a fraud-based identity theft investigation under FCRA 605B , not a routine dispute reinvestigation.

2 ) You must notify each furnisher listed above that this is an identity theft claim subject to 605B.

3 ) If any furnisher can not provide verified evidence establishing that I opened these accounts, you must delete the accounts in full.

I am not authorizing suspension or closure of this dispute due to missing documentation because the statute allows pending affidavits. The affidavit is in process and will follow.

FCRA LIABILITY WARNING : If you fail to comply with 605B procedures, or continue to report identity theft accounts without verifying consumer responsibility, this constitutes willful noncompliance under 15 U.S.C. 1681n and negligent noncompliance under 1681o. I will escalate to the CFPB and consider civil action if you do not comply with 605B obligations.

Requested Resolution : Investigate as required under 605B Require strict verification from furnishers Permanently delete all identity theft accounts when unverifiable I will upload the FTC affidavit as soon as issued.

No further recoding to disputed is sufficient full compliance with 605B is mandatory. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, NY XXXX DOB : XX/XX/1980 SSN ( last 4 ) : 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 2025-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
XXXX XXXXXXXX XXXX in the amount of {$1600.00} which was stated a settlement amount on XXXX XXXX. 2025. I called XXXX XXXX several times to have this settled on my credit report that it has been settled in full. I need XXXX XXXX to contact all credit bureaus-Transunion, Equifax, and Experian that this has been settled and paid in full

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 2025-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
XXXX XXXXXXXX XXXX in the amount of {$1600.00} which was stated a settlement amount on XXXX XXXX. 2025. I called XXXX XXXX several times to have this settled on my credit report that it has been settled in full. I need XXXX XXXX to contact all credit bureaus-Transunion, Equifax, and Experian that this has been settled and paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
I was looking on XXXX  XX/XX/XXXX to get a new bank account and came across Sofi Bank. I like their options and decided to get an account. I previously created an account that i never used back in 2023 and never even received a debit card. When I realized teh accoutn was still open decided to use it and contacted them about a same day funding option. On their chat i asked is there a way to fund the account instantly through debit and was told yes. Was given the steps to do it but what I was being told was it should be an option for instant transfer but there was not. I lost connection to that rep on chat and talked to another rep explained I wanted to do an instant transfer and i needed the funds availble. He told me the bank offers a one time for the life of the account an instant transfer option from your bank. He gave me instructions on how to do this and even after i did it confirmed I will receive the fund in a couple of hours. Well that didn't happen and I contacted them back by phone and was told it woud be in there by XXXX i was like ok, that didn't happen, then was told by the end of the day on XXXX XX/XX/XXXX. After not receiving my funds I was told the reguar ach time and was like that is not what I was told. I had other options that would give me the same day option if i got a new account. I even set up my direct deposit with this bank.The reason I am contacting you is because I clearly stated mutlpile times before the transfer I needed it available immediately and was told it would be, then I was told at the by the days end now its it wont be in there until the XXXX. I have medicine and food to buy thatw as n't even that much that i deposited. SO not sure why they did this and not sure why they are not even willing to do anything about it. ANother agent last naight told me they actually had a hold on it but it was already received on XX/XX/XXXX. I asked why there was a hold and he explained how they work. Before that I mentioned it showed on hold but no one woudl answer why it was on hold. I asked them to remove the hold and they said there is nothign they can do. I needed my money available for the reason i previously mentioned and if they would have just told me the truth i would have looked at a different option now they are refusing to do anhything. And even was told the hold that the guy told me about is for mobile deposits. SO im not sure what is hapening here.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: CO

Complaint narrative:
am formally disputing the validity of a collection account reported by National Credit Systems relating to an apartment I previously rented in Colorado.

This account is being reported inaccurately and must be removed from my credit report for the following reasons : 1. There was never an eviction, judgment, or court case filed against me. I completed my lease and moved out properly.

2. The alleged balance was fully
covered by the State of Colorados Emergency Rental Assistance Program ( ERAP ), which approved and issued payment for my rent.

3. The apartment complex refused to cash the state-issued payment after I moved out. Their staff confirmed this in writing, stating : I cant get a hold of the person in charge of your case I will have to send you to collections right away. Do you think you can pay the balance or help me get a hold of your ERAP case person?

This message proves that I was not in default and that the balance only existed because the property could not reach ERAP not because I failed to pay.

4. Since the payment was authorized and available from the state, there was no valid unpaid debt for National Credit Systems to collect or report.

This collection account violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) because it is inaccurate, unverifiable, and misleading. 

I request that this item be deleted from all of my credit reports immediately. 
Please also provide written confirmation once this correction has been made.No eviction case was filed for a judgment nor was a civil dispute filed for the money. The move out was due to the end of me lease. They signed an addendum from the date of Colorado accepting the funds. In order for a balance to be sent to collections they have to have a judgment for the award.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: OH

Complaint narrative:
This is a follow up on a report I previously submitted. I was originally contacted by a different collections agency, XXXX XXXX XXXX XXXX XXXX, on XX/XX/XXXX notifying me of a bill sent to collections by XXXX XXXX XXXX, the original creditor, for {$1000.00}. This collections account negatively impacted my credit score. I was not aware this bill ever existed in the first place, so I called XXXX XXXX XXXX. 
They verified that this bill was from an emergency visit in XXXX of XXXX. 
They stated they attempted to contact me about this bill 3 separate occasions ; however, when I asked them to read out the addresses they sent these bills to, the addresses did not match the addresses I lived at during those times. I had never received a statement of these bills prior to XX/XX/XXXX in any form : through email, phone, physical mail, insurance statements, etc. In this call, the service representative told me a supervisor would contact me to see if they could recall the bill from collections. A supervisor called me on XX/XX/XXXX and told me they would not recall the bill from the collections agency. When I asked them to send me an written, itemized bill along with a written statement of the addresses they sent these statements to, they refused, stating it was " against policy ''. I had received no written receipts of XXXX, XXXX, XXXX attempting to contact me with this account or options to dispute. I reported this to the CFPB. Through the report, CFPB contacted XXXX and they closed the account as a courtesy. XXXX XXXX XXXX did not respond to the report, so the CFPB forwarded the information to the FTC. I attempted to call XXXX XXXX XXXX on XX/XX/XXXX to pay the medical debt through them but was hung up on during that call. I then received notice on XX/XX/XXXX that another debt collections agency, Wakefield & Associates, opened a new debt collections account for {$1100.00}. I learned this via my credit report, this agency also did not notify me through mail, phone, or email of the account. The original creditor is once again XXXX XXXX XXXX. I disputed this record via XXXX. If this is not successful, this collections account will remain on my credit report for 7 years regardless of whether it is paid. I am happy to pay the bill in full through XXXX XXXX XXXX  to get this off my report. I have contacted XXXX to pay this account after the 1st collections agency gave relinquished the account, but they did not give me the opportunity to. I find it extremely deceptive that I am forced to deal with the consequences of their failure to notify me of a bill.

Company response to consumer: Closed with explanation