vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
" List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Experian credit report on ( XX/XX/year> ) and noticed some things are incomplete and not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 usc 1681 ( e ) ( b ).

15 U.S CODE 1681 ( 2Xi ) 15 U.S CODE 1666b 12 CFR 1026.13 ( Billing Error Resolution ) And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of Inaccurate or unverifiable information.

( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate of incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the result of the reinvestigation, and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
" List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Experian credit report on ( XX/XX/year> ) and noticed some things are incomplete and not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 usc 1681 ( e ) ( b ).

15 U.S CODE 1681 ( 2Xi ) 15 U.S CODE 1666b 12 CFR 1026.13 ( Billing Error Resolution ) And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of Inaccurate or unverifiable information.

( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate of incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the result of the reinvestigation, and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute and request the removal of the following account that has been improperly reinserted into my XXXX credit report : Creditor Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( Partial ) : XXXX This account was previously disputed and removed. However, it has been re-added to my credit file without proper notice, without supporting documentation, and without certification of accuracy from the data furnisher, in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically under 611 ( a ) ( 5 ) ( B ). Furthermore, I would like to reference the Consumer Financial Protection Bureaus ( CFPB ) legal action against XXXX, which alleges the unlawful reinsertion of previously removed accounts into consumers ' credit reports without reinvestigation and without notifying consumers. This deceptive and illegal practice harms consumers by reinstating negative data without justification or transparency. I did not receive the legally required five-day notice of reinsertion, nor was I provided with any new evidence validating the accuracy or legitimacy of the account. Therefore, I am demanding the immediate removal of this account from my XXXX report and full compliance with the FCRA. Please provide the following in writing : Confirmation that the account has been permanently deleted from my credit file. The name and contact information of the entity that certified the accounts accuracy ( if applicable ). A copy of any documentation you relied upon to justify reinsertion. If this matter is not resolved promptly and in compliance with federal law, I will file complaints with the CFPB, FTC, and my State Attorney General.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
These accounts and inquiries are involved in XXXX  and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
These accounts and inquiries are involved in XXXX  and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc.
State: IL

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor 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 badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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 opened this case many times and its just a repeat of the same issue. It keeps being denied. Then I proceed to request the evidence that provided. I then wait to receive an email from Chime support that only shows the evidence I submitted. The evidence I have submitted are showing I never replied yes to a fraud text, showing the company does not exist, showing I was not out of the country when this charge happened. I have also requested a XXXX Charge back multiple times with Chime support and they just wont do it. I want to do a XXXX  charge back because I want the merchant to provide something to prove its not fraud because I know it is fraud. Its very frustrating dealing with the constant circus circle with Chime.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Im writing in regard to an account currently listed on my credit report. Im requesting that you certify all the data tied to this account as belonging specifically and solely to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am filing this complaint because fraudulent accounts are being reported on my credit file. I am a victim of identity theft. I have submitted an Identity Theft Report from the FTC and supporting documentation. Despite this, the credit bureaus and creditors continue to report inaccurate, incomplete, and unverifiable information. 

Below are the fraudulent accounts currently listed on my TransUnion credit report dated XX/XX/XXXX : XXXX. XXXX Revolving Account Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} I never opened or authorized this account. This debt does not belong to me. 
XXXX. XXXX XXXX XXXX Account Number : XXXX Balance : {$740.00} Original Creditor : XXXX  XXXX XXXX  This collection account was opened fraudulently. I did not authorize this debt and it must be removed. 
XXXX. XXXX XXXX XXXX Account Number : XXXX Balance : {$920.00} Original Creditor : XXXX XXXX XXXX This is another fraudulent collection. I did not open or authorize this account. 

These accounts may appear with statuses such as charged off or contain remarks like settled for less than full balance, yet there is no legitimate history of delinquency or signed contract associated with my identity. Furthermore, the reporting is incomplete and lacks proper identification of the original creditor in some cases. This violates the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 and 1681c.

I formally request the immediate deletion of these accounts from my credit reports or the full verification of their legitimacy, including original signed agreements and full payment histories. If the information can not be verified in full, it must be removed as required by federal law. 

Please find attached my FTC Identity Theft Report and supporting documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filing this complaint because fraudulent accounts are being reported on my credit file. I am a victim of identity theft. I have submitted an Identity Theft Report from the FTC and supporting documentation. Despite this, the credit bureaus and creditors continue to report inaccurate, incomplete, and unverifiable information. 

Below are the fraudulent accounts currently listed on my TransUnion credit report dated XX/XX/XXXX : XXXX. XXXX Revolving Account Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} I never opened or authorized this account. This debt does not belong to me. 
XXXX. XXXX XXXX XXXX Account Number : XXXX Balance : {$740.00} Original Creditor : XXXX  XXXX XXXX  This collection account was opened fraudulently. I did not authorize this debt and it must be removed. 
XXXX. XXXX XXXX XXXX Account Number : XXXX Balance : {$920.00} Original Creditor : XXXX XXXX XXXX This is another fraudulent collection. I did not open or authorize this account. 

These accounts may appear with statuses such as charged off or contain remarks like settled for less than full balance, yet there is no legitimate history of delinquency or signed contract associated with my identity. Furthermore, the reporting is incomplete and lacks proper identification of the original creditor in some cases. This violates the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 and 1681c.

I formally request the immediate deletion of these accounts from my credit reports or the full verification of their legitimacy, including original signed agreements and full payment histories. If the information can not be verified in full, it must be removed as required by federal law. 

Please find attached my FTC Identity Theft Report and supporting documents.

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am sending this to you today because I have pulled my most recent credit report and I am extremely confused. It is very troubling as these items are reporting as incorrect and inaccurate information. I would appreciate your assistance to solve these problems. I have done research at my end and as you and myself both aware, there are laws that guarantee that credit bureaus report accurate information. According to the FCRA, the information provided should be 100 % accurate, 100 % verifiable, and reported in a timely fashion. I am well aware you have 30 days to complete this investigation. Your failure to comply with federal regulations is a serious violation of the Fair Credit Reporting Act and could possibly result in an investigation by the Federal Trade Commission. I must demand that you run a thorough investigation for each and every mistake listed, and a complete report MUST be provided to me after you have completed the investigation. The only address that should be listed is shown at the top of this letter. I also would like for you to correct the spelling of my name. There should absolutely not be any variations of my name because it is spelled one way. I have enclosed my ID as proof of the correct spelling. Again, here is a list of the incorrect spellings : Incorrect DOB - 1976 - The personal data reporting is inaccurate. Incorrect Address - XXXX XXXX XXXX XXXX XXXX, CA, XXXX - The personal data reporting is inaccurate. EMPLOYER - XXXX  - The personal data reporting is inaccurate. Please send me an updated credit report as soon as you have deleted the inaccuraces listed above. Thanks. 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 non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I like to file a complaint against Equifax, Experian, Transunion, and XXXX XXXX for reporting these accounts on my credit profile I did not give permission to furnish my credit report with these negative items " XXXX '' also they are violating US code 15 USC 1681a ( 2 ) Several class action lawsuits have been filed against XXXX, a major student loan servicer. These lawsuits allege various misconducts, including : XXXX. Miscalculation of XXXX XXXX ( XXXX ) XXXX : XXXX lawsuit claims XXXX miscalculated XXXX payments for borrowers on income-based repayment plans, leading to higher payments than required. 
This miscalculation reportedly impacted a borrower 's ability to qualify for a mortgage due to an inflated debt-to-income ratio. 
The XXXX article mentions that the lawsuit aims to cover all consumers with addresses who were impacted by this miscalculation. 


XXXX. Breaching Servicing Agreements and Violating Laws : Another lawsuit, filed by, alleges that XXXX breached its servicing agreement with the federal government. 
This lawsuit claims that student borrowers are intended XXXX beneficiaries of the agreement and were harmed by XXXX 's XXXX. 
It also alleges that XXXX violated state and federal laws in its loan servicing practices. 


XXXX. Failure to Provide Adequate Notice Regarding XXXX Recertification : The XXXX  Attorney General XXXX XXXX reached a settlement with XXXX for {$1.00} XXXX due to allegations of failing to adequately communicate with borrowers about maintaining access to affordable payments. 
Specifically, the investigation found that XXXX 's communications between XXXX and XXXX failed to comply with federal regulations regarding notice of IDR recertification deadlines. 


XXXX. Misleading Borrowers and Falsely Reporting to Credit Bureaus : A XXXX thread suggests that borrowers have experienced issues such as misapplied payments, inflated balances, and false reporting to credit bureaus. 


Note : It is important to note that class action lawsuits are ongoing legal proceedings, and the allegations have not been proven in court. not to mention the XXXX violation, and XXXX violating student education records, XXXX data, and personal information. XXXX has violated ferpa by accessing XXXX loan data. 

XXXX must update to positive info, or remove accounts immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Block, Inc.
State: MI

Complaint narrative:
XXXX continues to place holds on my account and suspend my spending privileges. I have paid off over XXXX orders with this company. I was out of town and didnt have service and I thought my payments were processed for orders XXXX and XXXX. I was out of the country and my time zone differed which makes the payment show as a late payment! 2 payments were considered late and my spending privileges are now gone! A XXXX limit is now {$0.00}! This is unacceptable considering I have been a loyal customer. I can't get a call back or chat from anyone in a reasonable amount of time. The company doesn't have a contact number! I need a call to resolve the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX  XXXX XXXX, XXXX. on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX on XX/XX/XXXXXXXX  with a balance of {$340.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief