vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-01 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX XXXXXXXX Balance : {$370.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX XXXXXXXX Balance : {$370.00}

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 2025-04-01 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: NY

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. Please review all the documents I've sent in regards to this!

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 2025-04-01 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: GA

Complaint narrative:
Request for Investigation and Compliance with FCRA Sections 15 U.S.C. 1681i ( a ) ( 7 ) and 15 U.S.C. 1681e ( b ) To Whom It May Concern, I am writing to formally request an investigation into inaccurate and incomplete information on my credit report pursuant to the Fair Credit Reporting Act ( FCRA ). Specifically, I am invoking my rights under **15 U.S.C. 1681i ( a ) ( 7 ) ** and **15 U.S.C. 1681e ( b ) ** to ensure the accuracy and fairness of my credit report.

# # # 15 U.S.C. 1681i ( a ) ( 7 ) Disclosure of Reinvestigation Process I request a clear and detailed explanation of your reinvestigation process, as required by **15 U.S.C. 1681i ( a ) ( 7 ) **. Please provide me with the methods used, sources consulted, and all supporting documentation obtained during your verification of the disputed information.

# # # 15 U.S.C. 1681e ( b ) Duty to Ensure Maximum Possible Accuracy Under **15 U.S.C. 1681e ( b ) **, credit reporting agencies must ensure that the information contained in a consumers credit report is accurate and up to date. I believe that certain accounts or records on my report have not been adequately verified and may be incorrect. I request that you immediately review and correct any inaccuracies or provide documented proof of their validity. 

I have attached copies of my identification and supporting documents regarding the disputed information. Please conduct a thorough investigation and update my file accordingly. If you find that the information can not be verified, I request its immediate removal from my credit report. 

Please provide a written response within the legally required timeframe, confirming the results of your investigation and any corrective actions taken. Failure to comply with my request may result in further legal action. 

Thank you for your prompt attention to this matter. I look forward to your response.

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 2025-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Collection Management Holdings, LLC
State: FL

Complaint narrative:
I believe the account is invalidXXXX XXXX XXXX needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their recordsXXXX XXXXXXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: OH

Complaint narrative:
I've been a victim of identity theft. My information was exposed to the public in the Equifax data breach and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage or a newer car loan, and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: OH

Complaint narrative:
I've been a victim of identity theft. My information was exposed to the public in the Equifax data breach and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage or a newer car loan, and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.

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 2025-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: PA

Complaint narrative:
I filed a disputed in relation to a number of fraudulent Chime XXXX XXXX transfers that were made using my Chime account to phone number XXXX on XX/XX/2025 which was dispute # XXXX. That dispute was closed in my favor on XX/XX/2025. I assumed that since those XXXX XXXX transfers made to XXXX were identified as being unauthorized, that future attempts to make any XXXX XXXX transfers to that phone number would be blocked however I found that wasnt the case because there was a new XXXX XXXX transfer in the amount of {$800.00} made to the very same phone number recipient, XXXX that was completed the day that the previous dispute was approved. I immediately filed a new dispute in relation to this transfer and that was dispute # XXXX. That dispute was denied on XX/XX/2025 despite the circumstances of that transfer being identical to the ones that were approved a week prior. I provided a separate police report for both disputes and filed a rebuttal for the denied dispute however I again received notice that dispute # XXXX had been denied. Attached to this complaint is proof that the previous dispute that was approved included transfers made to the same phone number which was denied in the follow up dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint to demand accountability for the blatant disregard of my rights by the credit bureaus, who have willfully ignored their obligations under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C.

1681c-2, Section 605B. As a documented victim of a data breach, with proof of compromised personal information, I provided the required evidence and formal identity theft report to have fraudulent entries removed from my credit file. 
Despite my compliance, the bureaus have refused to block the inaccurate information, resulting in severe damage to my financial standing and personal reputation. This is a clear and unlawful violation of consumer protections, and I demand immediate corrective action by the Consumer Financial Protection Bureau ( CFPB ). If these egregious violations are not addressed promptly, I am fully prepared to initiate litigation to hold the bureaus accountable and recover full damages for the harm inflicted upon me.

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 2025-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I am writing in regards to the data breach incident. I kindly request that any information pertaining to me be removed from my credit report if it is inaccurate or does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: U.S. BANCORP
State: IL

Complaint narrative:
I hope this letter finds you well. I am writing to inform you that I disagree with all debts you are collecting on or are placed with your company, in my name. This is under the Fair Debt Collection Practices Act only. Please note that this is not a request for further verification or documentation of debt ( s ). I simply wanted to make you aware of my disagreement regarding the debt in question. 
I have no knowledge of this account!

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 2025-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I have sent a letter to this entity on XX/XX/2025 and have not received a response to my request. I requested a 1099 c and for them to verify this debt. I also never gave them permission to my credit file. This is against the law according to USC 15 1681 Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
These accounts have resulted in fraudulent XXXX  score reductions, fraudulent hard inquiries appearing on my consumer credit report, and fraudulent reporting to my consumer file. 

I have attached a redacted and notarized police report as well as a copy of the FTC Identity Theft Affidavit with this complaint. Given the fraudulent nature of these accounts, I demand that you remove all accounts, collections, or hard inquiries as identified above from my consumer credit report. 

All of the above-referenced accounts, collections, and hard inquiries are the result of identity theft and fraud and have not been opened by myself, nor have I authorized any party to open said accounts on my behalf. I demand that all items related to identity theft and fraud be permanently deleted from my consumer credit report pursuant to FCRA 605B ( 15 U.S.C.

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 2025-04-01 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: IL

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

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 2025-04-01 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:
Im disputing the information in this FTC complaint, as it appears on my credit profile, I would like validation of the debt to prove it belongs to me XXXX XXXX. If the debt cant be validated, I would like for the debt to be removed from my credit profile. Please note verification is NOT validation.

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 2025-04-01 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: NY

Complaint narrative:
To the Equifax Investigations Department, My name is XXXX XXXX, and I am writing to formally request the removal of several unauthorized hard inquiries from my credit report due to identity theft. These inquiries were made without my consent, and I had no involvement in the applications associated with them. 
I have filed an official FTC Identity Theft Report ( # XXXX ), which is enclosed along with a copy of my government-issued ID, Social Security card , and a recent utility bill to verify my identity and address. 

The following inquiries were made fraudulently and must be permanently removed : - XXXX  - XX/XX/XXXX - XXXX - XX/XX/XXXX - XXXX  XXXX - XX/XX/XXXX - XXXX - XX/XX/XXXX - XXXX  - XX/XX/XXXX - XXXX  XXXX - XX/XX/XXXX - XXXX  XXXX - XX/XX/XXXX Please treat this matter as a formal dispute under the Fair Credit Reporting Act ( FCRA ) and remove these inquiries permanently from my file. This fraudulent activity is affecting my credit score, and timely resolution is critical, as I am currently in the process of applying for a mortgage for my family. 
If any further documentation or information is needed, feel free to contact me directly. 
Thank you for your prompt assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: TX

Complaint narrative:
Im not aware of such inquiries, therefore this one appears to be illegal and a fraud. As soon as possible, please fix this problem. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: NY

Complaint narrative:
My student loans have been transferred to Mohela and I am unable to login to view my account and/or update information to my IDR. IDR repayment have begun in XXXX and my payment amount is incorrect ; I have attempted contacting the company several times and am not able to speak to a representative. Wait times vary from 45 hours, while waiting, the calls are constantly dropped. The company sends statements in the mail however, when I call to make a payment, I am unable to be connected to a representative. They do not have an automated payment recording to submit past due balances and say to hold for a representative ; no one answers in the calls. I have attempted logging in to their online portal, as well as creating a new username and password, however, I am unable to login or access my account. I have been unable to contact a representative or the company in four months ; no one has called me back. No one has called me in an attempt to collect payment. Mohela is not providing me with any customer service ; I am unable to speak to anyone from the company to update any information or to make payment. They have reported past due balance to my credit report, which is caused a significant drop in my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: OH

Complaint narrative:
I resided in an apartment complex in XXXXXXXX XXXX and the management company ( XXXX ) filed a collection suit against me for past rent and eviction costs both of which I was not liable for. I communicated to the management company that I would be moving from their property in XX/XX/year> and after that time XXXX filed a collection suit against me in the XXXXXXXX XXXX XXXXXXXX XXXX. When I attended the hearing the judge ruled that since I live on Social Security the debt was uncollectable and the management company ( XXXX  ) could not file for attachment of my Social Security payments in order to collect the debt. The management company was not very happy they could not collect the debt and they hired a collection company ( IQ DATA INTERNATIONAL ) to enter the debt into my credit reports listed at all XXXX credit reporting companies. The debt is NOT collectable and should NOT have been added into my credit reports by IQ DATA INTERNATIONAL or XXXX XXXX XXXX company. The collection company informed me the entry onto my credit files WOULD NOT BE REMOVED until laws forced them to do so. My credit ratings went down considerably because of the issue and I have been refused credit issued to me several times. I wish to have the entries on my credit reports removed immediately, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: FL

Complaint narrative:
I am disputing an account reported by XXXX XXXX XXXX ( Account XXXX. XXXX ). The account shows as " Paid account/was 30 days past due date, '' but no specific information is provided to verify when the alleged delinquency occurred. There is no documentation indicating what date the payment was late, the amount, or any evidence to prove the derogatory mark is valid. 

I have disputed this account before, and to date, no visual documentation or paper-based proof has been provided. If XXXX XXXX XXXX can not supply this verification, I am requesting that the account be immediately removed from my credit report, as required under the Fair Credit Reporting Act ( FCRA ). 

The following FCRA laws apply : 15 U.S. Code 1681i ( a ) ( 1 ) Right to dispute inaccurate information.

15 U.S. Code 1681i ( a ) ( 5 ) ( A ) Unverifiable or inaccurate information must be deleted.

15 U.S. Code 1681e ( b ) Credit bureaus must ensure maximum possible accuracy.

15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) Furnishers must not report information they believe may be inaccurate.

15 U.S. Code 1681c ( a ) Negative accounts more than seven years old must be removed. 

I am requesting a formal reinvestigation, and if XXXX XXXX XXXX can not provide dated and documented proof of the delinquency, the account must be permanently deleted from all consumer reporting agencies under 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