vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-09 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:
Recently I looked at my credit file and found info that can't be verified and info that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of data trafficking/Identity theft! Please take action and remove them from my credit report asap! 

Account Name : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
I made a balance transfer from citi card to pay my chase card. Citi is saying I didn't input the account number correctly and they paid a different account ( which I do not own presumably bc i only own one chase account ) they will show me no proof of this. Now I'm responsible for the XXXX that they paid to an account that's not mine. Why was the name and social not verified and now I'm liable for money that paid someone else 's 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 explanation
Consumer complaint received 2025-05-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint narrative:
Several companies accessed my credit report without my authorization, negatively impacting my credit score. Although an TransUnion representative confirmed these inquiries would be removed, they remain. These unauthorized pulls raise serious concerns about potential identity theft and continue to cause undue stress.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: LEXISNEXIS
State: NJ

Complaint narrative:
I filed a dispute with XXXX  to remove a bankruptcy they have listed on my credit report as the information is inaccurate. They responded to me, that the information they have listed they arw claiming was verified from the court, which obviously isn't true as verified by the court to me, that they dont report to any bureaus. therefore the original response verifying the item with the court was either an error or a lie. And I have a feeling they bought the information from lexisnexis and the info listed is incorrect by them as well and should be dealt with as well to have it removed. Either way, the reporting requirements do not comply with FCRA Sec. 611 ( 15 U.S.C. $ 1681I ) and the information must be deleted immediately. Please investigate this matter in order to uphold my rights with XXXX  file # XXXX thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: NJ

Complaint narrative:
I filed a dispute with TransUnion to remove a bankruptcy they have listed on my credit report as the information is inaccurate. They responded to me, that the information they have listed they arw claiming was verified from the court, which obviously isn't true as verified by the court to me, that they dont report to any bureaus. therefore the original response verifying the item with the court was either an error or a lie. And I have a feeling they bought the information from XXXX and the info listed is incorrect by them as well and should be dealt with as well to have it removed. Either way, the reporting requirements do not comply with FCRA Sec. XXXX ( 15 U.S.C. XXXX XXXXXXXX ) and the information must be deleted immediately. Please investigate this matter in order to uphold my rights with TransUnion file XXXX XXXX thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX COLUMBIA DEBT RECOVERY XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, WA XXXX RE : Account # XXXX To Whom It May Concern, I previously requested validation of this debt and have yet to receive an adequate response. It has been over 60 business days. Under the doctrine of estoppel by silence, I can reasonably presume the debt is not valid. 
Please provide verification including a signed contract and chain of title showing you are authorized to collect this debt. If you are unable to validate, you must delete this account and cease reporting it to Experian. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: BELMONT FINANCE LLC
State: TX

Complaint narrative:
In XX/XX/year>, I purchased a vacuum system for {$3800.00} after being told I would receive the unit for free if I completed XXXX demonstrations and made 2 sales. This promotional program was not clearly explained to be part of an MLM ( multi-level marketing ) structure until after I was locked into a financing agreement. 

I only completed 3 demonstrations in my attempt to qualify for the promotion, but I felt pressured to do so after realizing the return window had closed and I was stuck with the unit. I did not make any sales and was told I would continue to be financially responsible unless I made 2 sales or referred others to participate. 

Since XX/XX/year>, XXXX XXXX has been double charging me each month. I was double charged in both XXXX and XXXX. When I contacted them, they refused to issue refunds and instead applied credits, but they continue to bill me monthly. 

The product itself has also malfunctioned, randomly shutting off. The attachments are not as effective as they were made out to be during the demonstration. When I attempted to return the unit, I was told returns were not accepted. I feel misled and scammed by both the seller and the financing company. 

I am requesting that Belmont Finance stop billing me, issue refunds for the duplicate charges, and allow me to return the defective unit and attachments.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: NJ

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and 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 reported to be removed/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. 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!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: NV

Complaint narrative:
To Whom It May Concern : On Tuesday, XX/XX/scrub> 2025, at approximately XXXX XXXX, I received a direct deposit of {$5900.00} from the XXXX Treasury via the IRS. Prior to this deposit, I had concerns about a previous account with XXXX, a XXXX XXXX app that had been withdrawing funds from my account without authorization. 

Despite formally requesting that XXXX close my account, unauthorized ACH transfers continued, and the recipient names began appearing as XXXX and XXXX with which I have no affiliation or open accounts. 
The first major transfer was for {$3000.00} to XXXX. 
I was only able to recover {$970.00}, which I moved out quickly to avoid further loss. 
The final known unauthorized transfer was for {$4900.00} to XXXX XXXX When I contacted XXXX directly, I was advised that I do not have an account with them. 

I believe my Chime account has been compromised, and that my personal information may have been sold or misused without my consent. 

I did not authorize any of these ACH transfers. I have filed a report with the FBI, as requested by Chime in order to reopen the case and investigate these unauthorized transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
i AM A VICTIM OF THE EQUIFAX DATA BREACH THIS SITUATION HAS COSTED ME MY JOB AND OTHER THINGS FROM MY LIVELY HOOD. IVE BEEN TRYING TO HAVE THESE PEICES OFN INFORMATION ON MY CREDIT REPORT CORRECTED

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: OH

Complaint narrative:
I am formally disputing multiple inaccurate accounts that have been reported on my consumer report by both a creditor and the credit reporting agencies. These inaccuracies are causing me significant financial and personal harm, and I believe the involved parties have violated multiple consumer protection laws. I am seeking your immediate assistance in ensuring they are held accountable for these violations and that my report is corrected without further delay. The accounts in question are : XXXX ( Account Number : XXXX ) XXXX XXXX ( Account Number : XXXX ) XXXX XXXX XXXX XXXX ( Account Number : XXXX ) XXXX XXXX XXXX ( Account Number : XXXX ) I have previously put the credit reporting agencies and furnishers on notice regarding these inaccuracies through multiple written disputes, yet no corrective action has been taken. Enclosed are my prior letters to XXXX, Experian, and XXXX, as well as my FTC Identity Theft Report ( Report Number : XXXX ), which serves as proof of the fraudulent nature of these accounts. Violations of Consumer Protection Laws These credit reporting agencies and furnishers have failed to comply with federal laws designed to protect consumers, including but not limited to : Fair Credit Reporting Act ( FCRA ) Violations : 15 U.S.C. 1681i Failure to conduct a reasonable reinvestigation and correct inaccurate information. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishing inaccurate information to consumer reporting agencies. 15 U.S.C. 1681c-2 Failure to block information resulting from identity theft upon proper notification. Fair Debt Collection Practices Act ( FDCPA ) Violations : 15 U.S.C. 1692g ( a ) Failure to properly validate the alleged debt upon request. 15 U.S.C. 1692b ( 2 ) Unauthorized third-party disclosure of debt-related information. 15 U.S.C. 1692c Engaging in unlawful debt collection communications without my express consent. Additionally, the misclassification of charged-off accounts may constitute an IRS violation , as charge-offs are treated as gross or ordinary income under IRS regulations. Misrepresenting these as collectible debts on my consumer report is both misleading and legally improper.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: AL

Complaint narrative:
Amounts have been XXXX on XX/XX/year> I only purchased a XXXX XXXX subscription but it charged me XXXX Every time I do a XXXX XXXX  or purchase its not what the purchase was for it would be for different amounts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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.

Complaint narrative:
As a federally protected consumer, I have a right to privacy. A huge part of the FCRA is the privacy of consumer data. My information MUST be dealt with confidentiality and with respect to my right to privacy. This consumer reporting agency is not a bureau. In fact, they are a data broker that was not given any permissible purpose by me to report these items attached. They are defaming my character with this erroneous reporting. Delete all unauthorized items listed in my attached letters and update any late payment history due to the fact that it is misleading and deceptive because I can not be late on my own extension of credit. I am the original creditor. There is no verifiable proof of any late payment! I also attached an invoice for monetary relief since this data broker violated my rights!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have a XXXX XXXX data breach XXXX Customer alert flagged down on my compromised Security from my XXXX XXXX phone XXXX Metro account phone number XXXX was hacked and changed from Metro the last 2 digits on my XXXX XXXX I have a fraud alert of compromised security account hack from XXXX XXXX  business account log in from my Business account. I want to place a wire fraud transfer compromised account hack on my record with Equifax. My account was showing a error in Arbitration from bankruptcy of he mortgage account hack from the data broker. Said the phone was stolen and hacked my account XXXX. My account was hacked from a data breach with XXXX XXXXXXXX XXXX XXXXXXXX XXXX and XXXX through XXXX XXXX XXXX Servers on my XXXX business account log in with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lien Enforcement Inc
State: CA

Complaint narrative:
I sold this vehicle and now theyre trying to charge me for a lien sale of a vehicle and I have proof that I was not the current owner

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: SC

Complaint narrative:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under XXXX U.S.C. XXXX accuracy and fairness of credit reporting. Also, in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX 2018 ). Please provide validating documents. The date of last activity is reporting different among all XXXX reports. Please conduct a reasonable investigation. This is inaccurate and must be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: ME

Complaint narrative:
I want to make it clear that this complaint is not submitted in error. My credit report contains inaccuracies that do not meet the standard of maximum possible accuracy, as required by law. These errors are causing significant and ongoing harm to my financial well-being. I urge you to take prompt action to investigate and remove any unverifiable or incorrect 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 non-monetary relief