vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 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: WY

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) listed on my credit report. As per FCRA and FDCPA regulations, you are required to provide proof of debt validation within 30 days or remove the account from my report.

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 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I started with capital one to build my credit in XXXX I started with a secured card and putting {$200.00} of my own money on my card and using that, making on time payments for a year. They eventually accredited my account the {$200.00} after 100 % on time payments. 
After 2 years of on time payments, they have increased my credit limit, but never decreased my interest. Im paying 31 % interest every month totaling {$75.00} a month in interest on a {$2900.00} debt. My minimum payments are {$100.00}. I am paying only {$25.00} to the principal every month. Today XX/XX/XXXX, I call to ask them to lower my APR, to help me, because I have recieved multiple offers for debt transfer with 0 % apr for 21 months and after that the APR will be 25 %. XXXX and capital one are now intertwined and even discover sent me an offer equivalent to this. The representative would not help me with lowering my APR, and told me there was no one that could do it when I asked for someone else. He stated there is no promotions for me. This is not how tou treat your customers if you want them to continue to use you when they have other options. I plan to pay this card off at tax time, and I will cancel the account if they can not value me as a customer. Also, I noticed in XXXX they waited until the following week after my due date to actually pull the payment. At which this time it was not sufficient because I had a big payment the following week to come out. The very next day it went through, and they charged me a {$30.00} late fee. This is the first time in 3 years this has ever happend. I make sure my payments are on time every month! I believe this being the first time it has happend in 3 years that there should be a courtesy waive of that fee. If capital one does not help with my APR I will take my business else where and they will loose alot of money. Because they have made so much off of me, and its disrespectful, because i have been loyal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Lendbuzz Inc.
State: FL

Complaint narrative:
I purchased a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX. The car was advertised for about {$25000.00}, and I paid {$3700.00} down. However, my loan through XXXX was finalized for over $ XXXX {$12000.00} higher than expected. 

After reviewing the documents, I discovered that multiple bundled add-onssuch as warranties, key replacement, and service feeshad been included without my knowledge or consent. When I questioned the dealership, the business manager said, if you didnt ask, I didnt tell, and later claimed that in Florida, if you signed it, you are done.

I was distracted at signing due to a fraudulent charge alert on my credit card and trusted the dealer to finalize the contract honestly. I am requesting a review and correction to remove the unauthorized charges so my financing reflects only the actual price of the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: IN

Complaint narrative:
IC SYSTEM INC is falsely reporting on my credit. I have never had any accounts with them. Per my research IC SYSTEM INC 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 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 2025-11-13 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. 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.

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 2025-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: MS

Complaint narrative:
I received a text that was suppose to be from chime fraud department then a call that was suppose to be from chime fraud department that I need to do a referral on a fraudulent charge on my account to XXXX XXXX refund department of chime for XXXX Dollars the call was from XXXX XXXX XXXX which was suppose to be from chime fraud department after I hung up and call chime they refused to stop the transfer said I need to report it but the government shutdown delayed it till today they said I needed to file a complaint here to

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: AL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

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 2025-11-13 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: VA

Complaint narrative:
I am submitting a formal dispute regarding fraudulent information on my Experian, Equifax, and Transunion credit file. I am a victim of identity theft, and the XXXX  XXXX account currently appearing on my report was opened/used without my authorization and must be blocked and removed immediately pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ). 

I have already filed an FTC Identity Theft Report, and my report number is : FTC Report # : [ XXXX ] Under FCRA 605B, a consumer reporting agency must block all information resulting from identity theft within 4 business days of receiving : Proper proof of identity, An identity theft report, and A written request from the consumer. 

This message serves as my written request. 

Disputed Account Information : Creditor : XXXX  XXXX Account XXXX XXXX XXXX Account XXXX XXXX  XXXX  XXXX Account XXXX XXXX XXXX XXXX Account XXXX Nature of Dispute : Identity theft / Fraudulent account Requested Action : Immediate blocking and permanent removal of this account from my credit file under FCRA 605B I did not authorize, or benefit from any activity related to this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Its continued reporting is inaccurate, damaging, and violates my rights under federal law. 

Requested Resolution : Please block and delete this XXXX  XXXX account from my Experian file within XXXXour ( 4 ) business days in compliance with FCRA 605B. 

Attached are : My FTC Identity Theft Report, My government-issued ID,

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 2025-11-13 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: FL

Complaint narrative:
I am disputing several items on my TransUnion credit report that I believe are inaccurate. Please see the list below : Previous Address No current information provided. Please verify and correct my address history. 

Charged-Off Accounts XXXX, Account # XXXX, XX/XX/XXXX I dispute the charged-off status of this account. Please investigate and provide documentation. 

Inquiries XXXX, XX/XX/XXXX I dispute this inquiry. Please provide verification that it is accurate and authorized. 

Late Payments XXXX, Account # XXXX I dispute the reporting of late payments. Please review and correct if necessary.

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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-11-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
Complaint Regarding Failure to Validate Debt Credence Resource Management , LLC. 

In addition, the other issues re : numerous improper reinsertion of data and changing of unverified data in which by Credence failed to address in my first CFPB complaint XXXX dated XX/XX/XXXX. 

I am filing a complaint against Credence Resource Management , LLC for failing to provide proper verification of an alleged debt in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). 

On XX/XX/XXXX, I submitted a written complaint to the CFPB, complaint XXXX, involving an account appearing on my credit reports named Credence Resource Management , LLC. Since previous requests went ignored, I demanded verification and validation on alleged debt they claim I owe to * * XXXX XXXX XXXX XXXX  * *, account number XXXX XXXX XXXX XXXX XXXX. In response, Credence provided only a billing statement XXXX XXXX  XXXX, that was not even my correct address. 


Credence blatantly failed to ignore one of the main issues on which their company is reinserting inaccurate data randomly, without any prior notification. 

Under the FDCPA, a debt collector must provide more than just a billing statement ; they must provide sufficient documentation establishing : 1. That the alleged debt is valid ; 2. That they have the legal right to collect the debt ; and 3. That the amount claimed is accurate and owed by me.

Credence Resource Management , LLC failed to provide such documentation. A mere copy of a billing statement does not constitute proper validation or verification under federal law. Therefore, I believe Credence is continuing collection activity without first satisfying the requirements of 1692g ( b ).

This account must immediately be removed from reporting to all data companies and all credit bureaus under Federal Law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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:
Recently i did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT 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. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - XXXX XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - XXXX XXXX XXXX XXXXXXXX - XXXX - XX/XX/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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-11-13 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: SC

Complaint narrative:
Last week I disputed a charge from XXXX  because they're saying they haven't received payment and they have several times but not showing. So I called the bank after seeing how much this company has charged me and the man at the bank said we need to dispute this and now it's being disputed about the XXXX XXXX  scamming for money that Chime has chose to close my account saying I broke the contract but can't tell me what I did to break the contract other than to ask for the banks services in the dispute and how to stop this company from continuously taking out money that I don't owe the money. I have even got messages from the XXXX XXXX saying that my advance was paid and then customer service will vet on the text saying it hasn't been paid and my bank shows they have paid all these they are saying wasn't and keeps charging my chime claccount whatever XXXX wants. All I did was ask chime to look into these charges and help me block them from taking more money that I have paid them already and XXXX is saying wasn't paid back but my bank account showed different. This is where I get my son 's ssi check and they aren't even giving me time to get that straight first. Chime can't tell me what I supposed to have broken in their contract to terminate my account when all I did was asked for help blocking this company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
FTC REPORT PERSONAL STATEMENT : I am filing this FTC Identity Theft Affidavit to report due to fraudulent accounts that show on my consumer FICO credit report which I do not recognize as reported and which result from identity theft and fraud. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. This is preventing me from being able to get approved for my home loan and I am in disbelief. 


CFPB PERSONAL STATEMENT : This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency , block and remove 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 few Personal credit card accounts. 
Account name : XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Account name : XXXX Date opened : XX/XX/XXXX Account name : XXXXXXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Account name : XXXX XXXX XXXX Date opened : XX/XX/XXXX These accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer FICO credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all previous consumer credit accounts, closed accounts, collections, and hard inquiries result from identity theft and fraud.

Company response to consumer: Closed with explanation