vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 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: GA

Complaint narrative:
I am disputing several items on my credit report that I believe to be inaccurate or incomplete. Below are the details of the accounts in dispute, separated by bureau. 

Charged Off Accounts XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$250.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$880.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$660.00} Inquiries XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX GXXXX XXXX XXXX Date : XX/XX/XXXX WXXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX Late Payments XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Service International Corp
State: FL

Complaint narrative:
To Whom It May Concern : This letter serves as my formal written dispute of the alleged debt referenced in your recent communication. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g ( a ) ( b ), I hereby request full and complete validation of the alleged debt. Under 15 U.S.C. 1692g ( b ), you are required to cease all collection activity until proper validation is provided. This includes phone calls, letters, reporting to credit bureaus, or verifying the alleged debt with any consumer reporting agency. I am requesting the following documentation for validation : The amount of the alleged debt as required by 15 U.S.C. 1692g ( a ) ( 1 ), including a full accounting and itemization of all fees, interest, payments, adjustments, and charges. The name and address of the original creditor as required by 15 U.S.C. 1692g ( a ) ( 2 ). Verification and competent evidence that I am legally obligated to pay this debt, including a copy of the original signed contract or agreement showing my signature. Proof of your authority to collect, including documentation proving legal assignment or transfer of the alleged debt, as required under 15 U.S.C. 1692e ( false or misleading representations ). The date of default, the date the debt was acquired, and the chain of title from the original creditor to your agency. Verification that the debt is within the applicable statute of limitations in my state. Your companys state license number and proof of compliance with state collection laws. Until all requested documentation is provided, you are required by law to suspend all collection efforts, as mandated by 15 U.S.C. 1692g ( b ). Additionally, be advised that I am invoking my right to limited communication under 15 U.S.C. 1692c ( c ). All communication must be in writing and mailed to the address listed above. No telephone contact is authorized. Any failure to comply with the above requirements, or any continued attempt to collect without validation, will constitute a violation of federal law and may result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the State Attorney General, as well as potential civil action under 15 U.S.C. 1692k. Thank you for your cooperation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I get anywhere from 2-15 calls per day on both a personal and work numbers from TSI. I block the number and they call back from another. I have more than 2 dozen different numbers they have called me from despite telling them to stop contacting me until they can validate the debt they claim in writing. I have never received any communication from them other than the nonstop phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-12-04 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: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

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 2025-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: AZ

Complaint narrative:
My Chime account was hacked on XX/XX/year>. An unauthorized person logged in, changed my email, changed my phone number, and then immediately transferred out all funds, leaving only {$0.00} in the account. 
I received the email change notice around XXXX XXXX, attempted to log in, and was locked out. I contacted Chime support right away, and they confirmed the account takeover and unauthorized transfer. 
Despite this, Chime denied my fraud claim and said no error occurred. This is incorrect. 
This is a clear case of account takeover fraud, which is covered under Reg E. Pay Friends transactions are not exempt from coverage when the consumers login, email, and phone number were changed by a third party.

I am requesting that Chime reopen the investigation, provide login and device logs, and reimburse the {$220.00} that was stolen.

What may or may not be material is that the funds were sent to another Chime account listed as XXXX XXXX. My son did some research and found out that there is fictional character with the same name from the XXXX XXXX series. She was a XXXX  that runs a fraud scheme.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: NY

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Experian data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-12-04 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: TN

Complaint narrative:
XXXX XXXX XXXX is reporting an account in the amount of {$830.00} that is inaccurate, unverifiable, and damaging. This entity has never provided me with a valid, signed contract or any original account-level documentation to substantiate the alleged debt. This failure violates the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681i ( Reinvestigation of Disputed Information ) and 1681s-2 ( Furnishing Accurate Information ). The account is currently marked disputed, but XXXX XXXX XXXX continues to report monthly updates, which misleads future creditors and causes ongoing harm. This unlawful and misleading reporting has materially harmed my creditworthiness and overall financial standing. I have been denied access to fair credit, caused to suffer higher interest rates, and embarrassed in personal financial situations where this account appeared. The emotional stress, anxiety, and reputational damage from being reported as in collection for a debt that remains legally unproven is ongoing and unacceptable. The continued furnishing of this disputed and unverified account is misleading and may constitute willful noncompliance under 15 U.S.C. 1681n.

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 2025-12-04 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: TN

Complaint narrative:
XXXX XXXX XXXX is reporting an account in the amount of {$830.00} that is inaccurate, unverifiable, and damaging. This entity has never provided me with a valid, signed contract or any original account-level documentation to substantiate the alleged debt. This failure violates the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681i ( Reinvestigation of Disputed Information ) and 1681s-2 ( Furnishing Accurate Information ). The account is currently marked disputed, but XXXX XXXX XXXX continues to report monthly updates, which misleads future creditors and causes ongoing harm. This unlawful and misleading reporting has materially harmed my creditworthiness and overall financial standing. I have been denied access to fair credit, caused to suffer higher interest rates, and embarrassed in personal financial situations where this account appeared. The emotional stress, anxiety, and reputational damage from being reported as in collection for a debt that remains legally unproven is ongoing and unacceptable. The continued furnishing of this disputed and unverified account is misleading and may constitute willful noncompliance under 15 U.S.C. 1681n.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: NV

Complaint narrative:
These accounts are being reported under my name without my authorization or awareness, and I have never authorized or managed them. This is completely unacceptable, as it presents inaccurate and misleading information about my financial history. I take my credit profile very seriously, and seeing these unauthorized accounts has caused me significant concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: LA

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-12-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account status incorrect
Company: TFS FINANCIAL CORPORATION
State: WA

Complaint narrative:
XXXX XXXX is inaccurately reporting multiple 180 days past due delinquencies on my HELOC ( ending XXXX ), including for months that were covered by a mutually agreed forbearance period. These XXXX delinquencies do not reflect my actual payment history and contradict federal credit reporting rules. 

We entered a forbearance in XXXX. During a forbearance, payments are deferred by agreement. Under the CARES Act XXXX ( amending FCRA XXXX ( a ) ( XXXX ) ( F ) ), any account that was current at the start of a forbearance must be reported as current for the entire duration of the forbearance, and the lender XXXX not report the forbearance months as delinquent. 

Despite this, XXXX XXXX is treating the entire forbearance period as if it were delinquent and is lumping those months into a XXXX delinquency after the forbearance ended. This is not allowed. A missed payment after the forbearance ends XXXX start a new delinquency, but delinquency can not be backdated into the forbearance period. 

In addition, the reporting is inconsistent across all three credit bureaus : TransUnion shows 180 days late in XX/XX/XXXX Experian shows 180 days late in XX/XX/XXXX Equifax shows 180 days late in XX/XX/XXXX The account then shows as current shortly after. It is not mathematically or procedurally possible for an account to be 180 days delinquent in several different months and then immediately current. This clearly indicates incorrect reporting. 

I spoke with a representative ( XXXX XXXX ), who stated that because I did not make a payment immediately when the forbearance ended, the bank considered the entire forbearance period delinquent and aged it into a XXXX late. This is not how delinquency aging works under the FCRA or XXXX guidelines. Delinquency must be aged based on consecutive missed cycles after the accommodation ends. I was never XXXX billing cycles behind after forbearance, so a XXXX delinquency can not be supported. 

I have asked XXXX XXXX to explain how the forbearance months were handled and to provide documentation supporting their reporting method. They have not provided this information and have only repeated general statements that the reporting is accurate, without addressing the specific issue. 

I am requesting : Removal of all inaccurate XXXX delinquencies. 

Correction of all forbearance-covered months to current, as required by XXXX XXXX XXXX. 

Reporting only the actual delinquency that occurred after the forbearance ended ( closer to 3060 days, not XXXX ). 

Consistent reporting across all three bureaus. 

This inaccurate reporting is causing significant credit harm, and I am requesting CFPB assistance to correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: FL

Complaint narrative:
Charge to XXXX XXXX XXXX on XX/XX/year> Work scheduled to be completed week of XX/XX/year> no communication unless we reached out. 
Showed up XX/XX/year> for a hour then left a- no contact with us until I reached out on XX/XX/year> - {$400.00} up charge to complete work. Customer cancelled job due to the delay and lack of culmination. No where on anything or was it ever stated deposits are non-refundable. 
Company agreed on phone call to refund and didnt.

Dispute opened on XX/XX/year> after failing to refund. 
XX/XX/year> response from discover is found charge valid on dispute of dispute, no contact from supervisor which was requested. 

Im fine paying a reasonable price for work that was completed but it was not {$900.00} for a hour of work with a weed eater.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: PA

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

I looked at my Experian, Equifax XXXX TransUnion credit report on XX/XX/2025, and noticed some things are incomplete and not accurate. And 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 ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or 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 results 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. 

And according to 15 USC 1681s-2 they are suppose 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 explanation
Consumer complaint received 2025-12-04 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: CT

Complaint narrative:
In XX/XX/XXXX, I found something extremely alarming someone has been using my name to open a fraudulent account without my knowledge. This fraudulent account was absolutely not authorized by me at any time, and Im deeply worried because this is clearly a case of identity theft. Im asking and expecting that you take immediate action to remove and block this unauthorized fraudulent account from my credit report. XXXX XXXX  XXXX, Date opened : XX/XX/XXXX, Account type : Mortgage account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: TN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need to have deleted will be attached in a pdf document. I have several accounts that I DID NOT apply for listed on my credit report. My information was exposed in theXX/XX/XXXXXXXX XXXX and as a result someone opened up several fraudulent accounts in my name. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have also enclosed copies of the report. According to FCRA 605 B this information must be blocked within 4 days. XX/XX/XXXXhas been slow in responding to my request via postal mail so now I'm involving the CFPB. This inaccurate information is causing me lots of stress and discomfort and embarrassment.

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 2025-12-04 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: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
Sent debt validation letter cerifiied mail and never received any response in writing from Midland about Account XXXX Request debt validation in accordance to Fair Debt collections Practices Act 15 U.S.C 1692g with no response then received a notice from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
In XXXX my mortgage company made a payment to payoff the XXXX card in full. Check was actually a bit more than what was owed. In XXXX I received noticed that the account was past due ( I was thinking it was paid in full ). I immediately disputed and contacted my mortgage company. XXXX Mortgage emailed me the copy of the cashed check. I immediately faxed it to target as requested when I disputed that is it was not paid. I was told I would hear if they needed anything more. Couple weeks later I was told they were putting money back on card because they never received documentation. I resent again and mailed it to the address they gave me. Couple weeks later I go a call to collect balance. I had them check if documentation was received. They did verify they DID in fact receive it and it will be taken care of. I was contacted again a couple weeks later and asked to pay. Again I went through the story- they said they seen documentation and it would be taken care of. I asked if there was anyone I could speak to they told me no. I finally got a XXXX who said she will dispute again and put balance back at XXXX. This is was XXXX weeks ago. XXXX has not been put back to XXXX and is not resolved and it is showing on my credit report.

Company response to consumer: Closed with monetary relief