vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 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: IL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request proper resolution. 
Unauthorized inquiries to be removed : 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
Consumer complaint received 2025-07-23 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: CA

Complaint narrative:
These inquiries seem to be unauthorized, and I was not made aware of them. I request that they be removed as soon as possible. Evidence is attached.

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 2025-07-23 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: NJ

Complaint narrative:
I kindly request that you investigate this matter and correct the status of my account to reflect the timely payment. I would appreciate your confirmation once this issue has been resolved. The imposition of this charge is not only incorrect but also a violation of our agreement. Please review your records regarding this payment. I have enclosed copies of documents and attached the report to verify that the payment was processed before the due date.

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 2025-07-23 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: OH

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-07-23 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: OH

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-07-23 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: LEXISNEXIS
State: MI

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life.

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history.

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: FL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$3800.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$540.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$2600.00} INQUIRIES : XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: AR

Complaint narrative:
I am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681c2. 

The listed credit reporting agency is reporting accounts, inquiries, and/or collections that do not belong to me and were added without my consent. These items resulted from the unauthorized use or distribution of my personal information and qualify under the legal definition of identity theft. 

I have submitted an official FTC Identity Theft Report detailing the affected items. I am requesting the immediate block and deletion of all unauthorized or unverifiable accounts, inquiries, and collections under federal law. 

The CRA has no permissible purpose or verifiable source to continue reporting these items. If they can not verify each disputed item with documented evidence, they are legally required to remove them within XXXX business days under 15 USC 1681c2. 

I am attaching : FTC Identity Theft Report My government-issued ID Social Security card Proof of address A list of disputed accounts/inquiries

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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681c2. 

The listed credit reporting agency is reporting accounts, inquiries, and/or collections that do not belong to me and were added without my consent. These items resulted from the unauthorized use or distribution of my personal information and qualify under the legal definition of identity theft. 

I have submitted an official FTC Identity Theft Report detailing the affected items. I am requesting the immediate block and deletion of all unauthorized or unverifiable accounts, inquiries, and collections under federal law. 

The CRA has no permissible purpose or verifiable source to continue reporting these items. If they can not verify each disputed item with documented evidence, they are legally required to remove them within XXXX business days under 15 USC 1681c2. 

I am attaching : FTC Identity Theft Report My government-issued ID Social Security card Proof of address A list of disputed accounts/inquiries

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  To : I.C. System, Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX RE : FORMAL DISPUTE & DEMAND FOR VALIDATION OF ALLEGED ACCOUNT # XXXX {$280.00} To Whom It May Concern, This letter serves as a formal dispute and demand for validation of the above-referenced account allegedly placed with your agency in my name. As required by federal law under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and Uniform Commercial Code ( UCC ) 1-308 and 3-501, you must immediately provide complete and verifiable documentation proving your legal right to collect and report this debt. 

I DO NOT ACKNOWLEDGE THIS DEBT. Furthermore, I demand the immediate removal of any reporting you have placed on my credit profile, as no legal validation has ever been provided.

You are required to send me the following : The Original Signed Contract or Promissory Note that contains my wet signature, not a photocopy, digital application, or generic template.

A Binding Agreement showing my direct consent to the alleged balance, terms, and assignment.

A full Flow Sheet or ledger showing all charges, payments, interest, fees, and balance calculations from the original creditor to present.

Proof of Chain of Custody from the original creditor to I.C. System, including purchase contracts, assignments, and transfer documents.

Proof that this debt is NOT past the Statute of Limitations in the state of Illinois, including clear documentation of the last date of activity and calculation method used. 
Proof that you are legally licensed to collect debts in Illinois, including license number, issuing body, and registration status.

The full name, department, and contact info of the individual who verified this debt to any credit bureau.

A written statement affirming that e-OSCAR or any automated database was not used to conduct or respond to dispute investigations. This violates my right to a proper reinvestigation under FCRA. 
A billing statement or prior balance is not proper validation. If you can not produce every document listed above, you must immediately : Delete this account from XXXX XXXX XXXX XXXX  Cease all collection activity and contact with me Failure to comply within 15 calendar days from receipt of this letter will result in : Formal complaints filed with the CFPB, FTC, and Illinois Attorney General Litigation for statutory damages due to willful violations of federal and state consumer law Under UCC 1-308, I reserve all rights without prejudice. You are now on notice. 

Sincerely, XXXX XXXX XXXX : XXXX DOB : XX/XX/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 2025-07-23 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: NC

Complaint narrative:
I have been dealing with an ongoing issue regarding chime and my charge from XXXX on my checking account. First and foremost, I was charged for a subscription that I was not authorized and that was not used on XX/XX/XXXX for XXXX XXXX XXXX in the amount of {$42.00}. At first, I contacted the merchant XXXX, who decided that they would not issue the refund, but for no reason at all, including not giving me the reason upon further pressing the issue. My next step was to dispute the charge with my bank chime after investigation, chime determine that they would refund the amount. I waited several days and then did some digging to discover the chime said that they had already refunded my amount however they hadnt. After digging some more, I realize that XXXX had previously refunded me the same exact amount XXXX on XX/XX/XXXX for an erroneous transaction that was made on XX/XX/XXXX for a completely different purchase which just so happened to be the same amount. I contacted chime and let them know what had happened and said how could I have been refunded for something that was purchased before I made the complaint And explain to them what happened? They had me file another dispute on that charge which also got approved like the previous one, but I have still not received that credit. It has been months since it is now going on XXXX and I can not seem to get this XXXX approved amount back from chime. Every time I call they agree with everything I say they investigate the account they see that Im telling the truth and yet they still do not credit my account please help me in retrieving this amount that is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: MD

Complaint narrative:
I kindly request that you investigate this matter and correct the status of my account to reflect the timely payment. I would appreciate your confirmation once this issue has been resolved. The imposition of this charge is not only incorrect but also a violation of our agreement. Please review your records regarding this payment. I have enclosed copies of documents and attached the report to verify that the payment was processed before the due date.

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 2025-07-23 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: KS

Complaint narrative:
I recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/ informations reporting to my credit report. these remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: TX

Complaint narrative:
Subject : Dispute of Collection Account on Credit Report To Whom It May Concern, I am writing to formally dispute the accuracy of a collection account listed on my Equifax credit report. The account in question is reported by XXXX XXXX XXXX XXXX, with XXXX XXXX XXXX XXXX XXXX XXXX account number. 
I am requesting that this item be investigated and either verified or removed from my credit file in accordance with the Fair Credit Reporting Act ( FCRA ). I believe this account is inaccurate because the the amount is incorrect and my personal information. 
Please conduct a thorough investigation and remove or correct this account if it is found to be in error. Under the FCRA, you are required to complete your investigation within 30 days of receiving this letter. Once the investigation is complete, please send me an updated copy of my credit report reflecting the results. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX Enclosures are documents such as a copy of my W-2 and Utility bill for proof of identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 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 2025-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: WV

Complaint narrative:
Wells Fargo violated Regulation E by failing to provisionally credit me within 10 business days after I filed unauthorized transaction disputes. In multiple cases, they exceeded the 45-day limit to complete their investigations. In addition, the denials they issued relied on repeated, previously rejected evidence, and failed to demonstrate any connection between me and the transactions. I received no evidence showing MY addresses, states, login locations, or other proof linking me to the disputed transactions, further my device was lost or stolen which would negate any such info if it did match, however it did not and was said to not be a legitimate reason for denial. Further I understand that this exzact issue may have been ordered for Wells Fargo to refund in XX/XX/year>, however they do not seem to acknowledge that.

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 2025-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Complained to Macy 's about an incorrect charge on my Account beginning in the first week of XXXX.. I have only had one MACY'S/XXXX  account for about ten years, ending with ... XXXX. IT TURNS OUT MACY 'S HAD " INVENTED '' ANOTHER ACCOUNT ENDING IN XXXX, On this account, on the Macy 's APP, a recurring charge kept appearing with late charges and penalty fees added. 
I called a customer service rep, who stated I had charged something on the " outside '' with my Macy 's card. This has never happened. 
I complained to the Better Business Bureau. Macy 's response was that they had " looked at '' my account and I had been paying for XXXX since XX/XX/year>. This is not true. I had demanded proof of this under my rights according to the FAIR DEBT COLLECTION PRACTICE. I called the Macy 's Executive six times on the number he provided to the XXXX  and he has not returned my call. I obeyed his letter to call in a Dispute # for Macy 's Citibank and they closed my good account, then re-activated my fraudulent account and sent me a new card! IT WAS INSANE. MEANWHILE MY CREDIT SCHOOL IS PLUMMETTING. I NEED HELP! I have complained to the Attorney General and can attach my letters to MACY 'S FRAUD DIVISION. They are not investigating this fraudulent debt and continue to report to the credit bureaus. I want this stopped. I demand my rights for proof. This is very difficult. I am XXXX XXXX XXXX, work full time, and need my excellent credit.

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 2025-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lloyd & McDaniel, PLC
State: OH

Complaint narrative:
This complaint is directly tied to an active CFPB case against XXXX XXXX XXXX involving the same disputed debt. This firm has now violated cease and desist provisions and attempted third-party collection without proper validation. See attached letter.

Company response to consumer: Closed with explanation