vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Hi, I am submitting this complaint to formally dispute multiple charge-off accounts being inaccurately reported on my Equifax credit report dated XX/XX/XXXX ( Confirmation # XXXX ). These accounts are significantly affecting my creditworthiness, and I believe they either contain errors, are unverifiable, or were not handled according to Fair Credit Reporting Act ( FCRA ) guidelines. 

The following accounts are being reported as charge-offs, and I request the CFPB 's assistance in investigating and resolving the issues listed below : SYNCB/CARE CREDIT Account ending in * XXXX Reported Charge-Off : {$960.00} Dispute Reason : Account status and balance are incorrect ; payments made were not properly credited. 

XXXX XXXX Account ending in XXXX XXXXXXXX Reported Charge-Off : {$440.00} Dispute Reason : Discrepancies in reporting ; disputed with Equifax but remains unresolved XXXX 

XXXX XXXX XXXX Account ending in XXXX XXXXXXXX Reported Charge-Off : {$5100.00} Dispute Reason : Account was under review for hardship arrangement not reflected in the report. 

XXXX, XXXX Account ending in XXXX XXXXXXXX Reported Charge-Off : {$240.00} Dispute Reason : Balance and delinquency reporting are inaccurate ; account should not have been charged off. 

XXXX Account ending in XXXX XXXXXXXX Reported Charge-Off : {$360.00} Dispute Reason : The account was in dispute and improperly charged off. 

XXXX XXXX Account ending in XXXX  XXXX Reported Charge-Off : {$3100.00} Dispute Reason : No final notice received ; charged off prematurely and reporting is inconsistent. 

XXXX XXXX XXXX XXXX Account ending in * XXXX Reported Charge-Off : {$490.00} Dispute Reason : Was closed at consumers request, but marked as charge-off inaccurately. 

XXXX XXXX  XXXX Account ending in * XXXX Reported Charge-Off : {$10000.00} Dispute Reason : Account was settled/sold ; status should reflect paid or transferred, not charged off. 

Despite previous attempts to resolve these issues directly with the credit bureau and/or creditors, the reporting remains inaccurate and damaging. I respectfully request the CFPB 's help in : Investigating these creditors for improper or incomplete reporting, ensuring that verified corrections or deletions are made, and enforcing the FCRA requirements regarding accuracy, completeness, and proper response to disputes. 

Please find enclosed a copy of my credit report highlighting the disputed accounts. 

Thank you for your assistance in resolving this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request.

The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report.

I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them.

These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft.

To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file.

Sincerely, 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 2025-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am being victimized and my credit score is being targeted by a group, someone, or a entity... Whenever my credit score gets close to establishing good credit A group, someone, or a entity is filing and submitting fraudulent information. When I prove that the account is not mine the credit bureau does not fix my credit. my credit score has dropped over XXXX points within the last 6 months due to error...

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 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am being victimized and my credit score is being targeted by a group, someone, or a entity... Whenever my credit score gets close to establishing good credit A group, someone, or a entity is filing and submitting fraudulent information. When I prove that the account is not mine the credit bureau does not fix my credit. my credit score has dropped over XXXX points within the last 6 months due to error...

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 2025-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX  Account number XXXX Amount : {$660.00} Account type Collection Original Creditor : XXXX XXXX XXXX  According to FCRA Section 605B it is illegal to report anything on my credit report without my permission please remove this negative item. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 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: VA

Complaint narrative:
RE : Formal Dispute & Request for Removal of Student Loan Reporting Account Name ( s ) : Mohelea Account Number ( s ) : XXXX To Whom It May Concern, This letter is a formal dispute under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX regarding student loan account ( s ) appearing on my credit report. I am also invoking protections under the Family Educational Rights and Privacy Act ( FERPA ), XXXX XXXX XXXX, which limits the disclosure of my educational records and financial aid information without written consent.

Nature of Dispute : The information being reported about the referenced student loan account ( s ) may be : - Inaccurate - Incomplete - Unverifiable - Disclosed in violation of my rights under FERPA Under FCRA, you are required to conduct a reasonable investigation within XXXX  days and delete any information that can not be verified. I am requesting that you verify this account by providing : - Original application or promissory note with my wet signature - Name and contact information of the furnisher of this account - Evidence of permissible purpose for furnishing or reporting this debt - Documentation showing my written consent to share this account under FERPA If you can not verify the above within the time frame allowed by law, I demand the immediate deletion of the student loan account ( s ) from my credit file.

Action Requested : - Open a formal dispute on the listed account ( s ) - Investigate the accuracy, validity, and legal basis for the account reporting - Provide me with written verification and investigation results- Remove the account ( s ) from my credit report if not properly verified Please confirm receipt of this dispute and provide the results of your investigation ASAP immediately. 

Sincerely, XXXX XXXX Enclosures : - Copy of government-issued ID - Copy of utility bill or other proof of address - Copy of credit report showing the disputed item ( s ) clearly highlighted

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 2025-05-31 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: NC

Complaint narrative:
It has come to my attention that my personal information was compromised in a national data breach. Upon reviewing my credit reports, I identified several accounts that I do not recognize or authorize. 

I have submitted requests to the credit reporting agencies ( CRAs ) for validation of these debts ; however, no supporting documentation has been provided to date. As a result of this breach and the presence of unfamiliar accounts, I have filed a complaint with the Federal Trade Commission ( FTC ) to report the suspected identity theft. 

Attached is a copy of my government-issued identification for verification purposes. Please investigate these accounts and remove any unverifiable or fraudulent information from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 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: NC

Complaint narrative:
It has come to my attention that my personal information was compromised in a national data breach. Upon reviewing my credit reports, I identified several accounts that I do not recognize or authorize. 

I have submitted requests to the credit reporting agencies ( CRAs ) for validation of these debts ; however, no supporting documentation has been provided to date. As a result of this breach and the presence of unfamiliar accounts, I have filed a complaint with the Federal Trade Commission ( FTC ) to report the suspected identity theft. 

Attached is a copy of my government-issued identification for verification purposes. Please investigate these accounts and remove any unverifiable or fraudulent information from my credit 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 2025-05-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX - XXXX XXXX XXXX XXXX XXXX 
XXXX, Texas XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Subject : Debt Validation Request Pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act and IRS XXXX Inquiry To Whom It May Concern : I am writing to formally request a full and complete validation of the alleged debt you claim I owe, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I received a notice regarding this alleged debt from your company, and under my rights, I am requesting the following information : XXXX. The name and address of the original creditor. 
XXXX. A complete and itemized accounting of the alleged debt, including all charges, interest, fees, and payments made. 
XXXX. A copy of the original signed agreement or contract that allegedly obligates me to this debt. 
XXXX. Proof that you are legally entitled to collect this debt, including any assignment or transfer of the debt. 
XXXX. Proof that the debt has not been discharged, forgiven, or otherwise resolved through any tax-related relief, such as an IRS XXXX XXXX ( XXXX of XXXX ). 
Specifically, under IRS regulation XXXX, a creditor who discharges a debt of {$600.00} or more is required to file Form XXXX with the Internal Revenue Service and issue a copy to the borrower. If you have already written off this debt and claimed a tax deduction or issued a XXXX in connection with it, then the alleged debt may no longer be legally collectible. Please confirm whether a XXXX has been filed for this account, and if so, provide a copy of that filing for my records. Furthermore, until you provide the requested validation, you must cease all collection activities, including reporting this alleged debt to credit reporting agencies, as required by law. Continuing collection efforts without proper validation is a violation of the FDCPA and may result in legal action.

Please respond to this request within XXXX  days as required by law. I also request that you communicate only in writing regarding this matter. 
Thank you for your prompt attention. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: MD

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: TN

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name :XX/XX/XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXXXX/XX/XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XX/XX/XXXXXXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: LEXISNEXIS
State: FL

Complaint narrative:
This complaint addresses serious inconsistencies and false representations made by LexisNexis Risk Solutions in response to CFPB Case XXXX XXXXXXXX. 

In their XX/XX/year> letter, LexisNexis claimed that the following tradelines and civil judgment do not appear in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX This statement is categorically false. 

I have attached a copy of my official LexisNexis Consumer Disclosure Report dated XX/XX/year>, which shows each of these tradelines in detail including charge-off statuses, balances, payment history, and dispute remarks. 

If LexisNexis is publishing this information, it is fully within their legal responsibility under FCRA 607 ( b ), 611, and 623 ( b ) to ensure its accuracy, investigate my disputes, and not deflect accountability. LexisNexis can not claim to be a neutral reseller when it is actively housing and distributing consumer data through its own systems. 

LexisNexis also failed to : Explain how these accounts appeared in my report if they dont hold them Provide any reinvestigation results or responses from XXXX XXXX XXXX XXXX XXXX Acknowledge or suppress the highly damaging civil judgment listed on my report This appears to be a coordinated evasion of responsibility and a serious misrepresentation to the CFPB. 

I am requesting that the CFPB : Investigate LexisNexis for knowingly misrepresenting data visibility in consumer files. 

Compel LexisNexis to produce verification sources for each account listed in my XX/XX/year> report. 

Require LexisNexis to remove, suppress, or correct any tradeline or judgment that can not be validated. 

Enforce appropriate regulatory action for violating federal consumer protection law and misleading a federal investigation. 

Attachments : LexisNexis Disclosure Report ( XX/XX/year> ) LexisNexis CFPB response ( XX/XX/year> ) ID and proof of address Copy of original dispute content ( for comparison ) LexisNexis is not only mishandling consumer data but now misleading both the public and regulators. This complaint is submitted in good faith with supporting documentation, and I am requesting immediate corrective enforcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: CA

Complaint narrative:
On or about XX/XX/year> I tried to purchase a XXXX XXXX online and didn't receive it XXXX months later I requested a refund from the seller in the amount of {$84.00} and didn't receive it I filled a dispute with my bank ( Chime ) and XXXX mouths later they denied my dispute and then closed my checking account without explaining the details of why they closed it and I hadn't been able to get any account information from them because my email address and phone number was changed and I don't know which email it phone number it is listed under now

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-05-31 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: Exeter Finance, LLC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX nj XXXX XXXX XX/XX/year> EXETER FINANCE LLC XXXXXXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Alleged Contract Dear EXETER FINANCE LLC I am writing to formally dispute the validity and enforceability of the contract, which has been presented as a binding agreement between myself and EXETER FINANCE LLC. 

After reviewing the document, I assert that the contract is not legitimate and does not reflect any agreement I knowingly entered into. Specifically : My signature appears to have been forged, I was never presented with this agreement The terms were altered without my consent. 
I have no record of agreeing to the terms described, nor was my consent ever obtained knowingly or willingly. 

As such, I reject any claims or obligations stemming from this document and request that you cease all attempts to enforce it. If necessary, I am prepared to pursue legal remedies, including contacting relevant authorities and pursuing a civil claim, to protect my rights. 

I expect written confirmation that this matter is being reviewed and that no further action will be taken to enforce the disputed contract. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX nj XXXX XXXX XX/XX/2025 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Alleged Contract Dear XXXX XXXX XXXX I am writing to formally dispute the validity and enforceability of the contract, which has been presented as a binding agreement between myself and XXXX XXXX XXXX. 

After reviewing the document, I assert that the contract is not legitimate and does not reflect any agreement I knowingly entered into. Specifically : My signature appears to have been forged, I was never presented with this agreement The terms were altered without my consent. 
I have no record of agreeing to the terms described, nor was my consent ever obtained knowingly or willingly. 

As such, I reject any claims or obligations stemming from this document and request that you cease all attempts to enforce it. If necessary, I am prepared to pursue legal remedies, including contacting relevant authorities and pursuing a civil claim, to protect my rights. 

I expect written confirmation that this matter is being reviewed and that no further action will be taken to enforce the disputed contract. 

Sincerely, 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