vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-26 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: CA

Complaint narrative:
Im writing to formally dispute an inaccurate tradeline currently being reported on my credit file. The information being reported is not accurate, and more importantly, it fails to meet the standard of maximum possible accuracy as required by 15 U.S. Code 1681e ( b ) of the Fair Credit Reporting Act. 

Let me be clear if a tradeline can not be reported with complete and verifiable accuracy, then you are not legally allowed to report it at all. Right now, the way this account is appearing on my credit report is misleading, harmful, and not reflective of my true credit history. Thats unacceptable, and I will not sit back while my credit profile is being damaged by something that shouldnt even be there.

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 2025-09-26 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I discovered a charge-off account on my credit report that I believe is inaccurate and incomplete. Since noticing this, I have submitted multiple formal disputes to both the creditor/furnisher and the credit reporting agencies, requesting a thorough investigation and validation of the debt. Despite these repeated efforts, the creditor has failed to provide any substantive verification, such as the original signed contract, detailed payment history, or evidence that the debt is valid and belongs to me. 
Instead, I have only received generic or stall responses that do not address the specific issues I raised. The inaccurate charge-off status, incorrect balances, and inconsistent reporting continue to appear on my credit report, which is negatively impacting my credit score and financial opportunities. This ongoing failure to investigate and correct the errors violates my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and related consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: CA

Complaint narrative:
I have been unable to transfer funds from my XXXX XXXX XXXX brokerage account into my Chime checking account for several weeks. 
I successfully transferred to this same Chime account as recently as last month with no issues. 
Starting in XXXX, all transfers from XXXX XXXX XXXX to Chime are being rejected. 
XXXX XXXX XXXX research team investigated and confirmed the issue is not on their side. They provided me with the following details : XXXX XXXX Number : XXXX ACH Return Code XXXX XXXXXXXX Account not found. 
XXXX XXXX XXXX also confirmed that my routing number, account number, and bank name ( Chime, issued by XXXX ) were entered correctly. 

I contacted Chime multiple times, provided the trace number and return code, and asked them to escalate to their ACH/back-end operations team. Despite this, Chime support repeatedly told me they can not see the transaction and insisted the problem must be with XXXX XXXX XXXX 

However, an XXXX code is generated by the receiving bank, not the sender. This indicates that Chimes partner bank ( XXXX XXXX XXXX  ) is rejecting the transfer before it reaches my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: NV

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$7100.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Solar Mosaic LLC
State: NM

Complaint narrative:
I had signed a purchase agreement with XXXX XXXX to purchase solar. The purchase price was {$17000.00}, and a request for a loan was made to XXXX XXXX. The loan was approved ; however, the solar project did not go forward. After several months of the project being " on hold, '' it was elected to cancel the project. XXXX XXXX was notified. I sold the house several months later. When I was in the process of purchasing another home, and a credit report was done, I happened to notice that XXXX XXXX was on the report with a {$17000.00} balance. I wrote to them as well as XXXX XXXX. They have ignored my requests to remove this from my credit report. My notes to XXXX XXXX and phone calls were ignored, or they would tell me they would call me back. Mosaic is now undergoing XXXX  XXXX and they said my cancellation is included in their litigation. They are now harrassing me for payments on something I never received and was cancelled. I do have a screen shot of my cancellation in a portal created with XXXX XXXX. Now I see online there are other cases of people getting involved with XXXX XXXX and Mosaic. If Mosaic did fund a loan to me for XXXX XXXX, it is total thievery.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/year> I received a phone call from someone claiming to be a member of the XXXX fraud department. They told me that they saw unusual activities on my account and had to give me a new account. They used me to log into my account and send a fraudulent payment of XXXX from my savings account to someone named XXXX XXXX. As soon as I figured out that I was being scammed I rushed to my local Truist branch and froze my checking and savings accounts. Because the money was sent through XXXX ( which is connected to Truist ) the transfer was instant so the freeze didnt block it from going through. I have pleaded with Truist for over a month that I was scammed and they refuse to listen to me. I sent them screenshots of the phone number, transaction notifications in my email and even filed a police report but they wont help me. There is plenty of proof but Truist will not give me my money back.

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 monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivable Management Group, Inc. (GA)
State: OK

Complaint narrative:
They keep sending me notices for a debt that was discharged by the hospital. And I've asked them multiple times to confirm this debt and let them know it's been discharged and giving them the paperwork for the discharge and I've heard nothing back besides more and more attempts at billing

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 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
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 2025-09-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FlexShopper, Inc
State: FL

Complaint narrative:
Summary of the Situation Despite multiple formal complaints, settlement agreements ( XX/XX/XXXX and XX/XX/XXXX ), and extensive documentation submitted pro se, * * no damages have been granted to date * * for the severe and ongoing violations committed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, FlexLending LLC , and their XXXX. 

The defendants have engaged in repeated unlawful conduct, including harassment, coercion, illegal debt transfers, and false and threatening communications, violating federal and state laws such as the FDCPA, FCCPA, FCRA ( non-credit reporting ), FTC Act, Identity Theft statutes, and criminal statutes related to obstruction and witness intimidation. 

This misconduct has caused me extreme emotional, physical, and financial harm, including homelessness, medical deterioration, and lost opportunities for housing, employment, and legal redress. 

Despite documented settlements, the abuse continues unabated, with no compensatory, statutory, or punitive damages awarded to remedy the harm inflicted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: AZ

Complaint narrative:
The following accounts are fraudulent and I want these removed from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following inquiries are not authorized. Please remove it from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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: AZ

Complaint narrative:
The following accounts are fraudulent and I want these removed from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following inquiries are not authorized. Please remove it from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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: GA

Complaint narrative:
I am submitting this complaint against the XXXX major credit XXXX XXXX, and XXXX ongoing, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with Metro 2 Format and XXXX industry standards. 

Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of documentary evidence or conducting a lawful investigation as required under 15 U.S.C. 1681i ( a ). 

Instead, they rely on the deeply flawed and automated e-OSCAR system, which merely forwards dispute codes to furnishers and accepts their response without independent verification. This practice has been widely criticized by the CFPB and ruled inadequate in court. 

Violations and Legal Basis : The following violations form the basis of this complaint : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnisher failure to correct or delete disputed information Metro 2 and CDIA Guidelines Failure to comply with reporting format and data integrity standards Further, the credit bureaus use of e-OSCAR has been ruled insufficient in legal precedent : " A credit reporting agency may not rely blindly on the [ furnisher 's ] investigation. The agency has an obligation to conduct a reasonable investigation itself. '' XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

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 XXXX XXXX XXXX XXXX XXXX Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require Experian, XXXX, and XXXX  to XXXX Immediately delete all negative items previously disputed that can not be verified with complete documentation Cease reporting unverifiable data and require original source validation for all disputes Re-review investigation procedures and prohibit reliance solely on e-OSCAR as a substitute for human reinvestigation Certify in writing that corrective actions have been taken and notify all furnishers and third-party users of the updated information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: CO

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-09-26 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: NC

Complaint narrative:
This is a formal complaint regarding unauthorized access to my credit report, which has directly damaged both my credit and my credit score. I previously contacted your agency and was assured that these unauthorized inquiries would be removed. That assurance has not been honored, and the inquiries remain. This continued inaction is unacceptable. 

The presence of these fraudulent inquiries raises serious concerns of identity theft and is causing me ongoing emotional and financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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 writing to file a formal dispute with the Consumer Financial Protection Bureau ( CFPB ) I believe that my consumer rights have been violated and that the financial institution involved has not properly addressed the matter despite my efforts to resolve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: GA

Complaint narrative:
I am writing to file a formal dispute with the Consumer Financial Protection Bureau ( CFPB ) I believe that my consumer rights have been violated and that the financial institution involved has not properly addressed the matter despite my efforts to resolve it.

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 2025-09-27 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I started receiving calls from Goldman Sacks Bank in XX/XX/year> to issue the payment of an apple credit card ( {$530.00} ). I have never applied or had an apple credit card before so my first assumption was thet they were scammers. After several calls i decided to file a fraud report with them, and they told me i was going to be reached by mail which never happened. 
Followed by that, i contacted apple support and they found out there was an apple credit card account closed but with remaining balance under my name. i dont know who stole my information, apply and use an apple credit card. I have been in contact with the credit unions to try to get the item deleted from my credit report, and all the investigations keep coming back as if it's mine. I was also able to know by XXXX support at Goldman Sacks that the email and physical address on file didn't match mine at all. I live in XXXX XXXX, XXXX, and the one they had was in Georgia.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: TX

Complaint narrative:
XX/XX/year> After finding out that I am a victim of Identity fraud I pulled my credit report and seen discrepancies with accounts I never had or was aware of. I reached out to these companies and received no 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 explanation