vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX Tx, XXXX XXXX XXXX XX/XX/year> EQUIFAX P.O. Box XXXX XXXX. GA XXXX I am writing to formally dispute inaccurate information on my credit report that i believe is harming my financial well-being. I am aware of my right under the fair credit report act and request a thorough investigation into these inaccuracies, as required by federal law. 

Recently, the consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing sham investigations and other lawful practices. these practices, as outlined by the CFPB, includes : Conducting inadequate investigations that fail to address consumers disputes property. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumers that my dispute may be mishandled in a similar manner. 
Please review the inaccurate information being report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: AL

Complaint narrative:
On my credit report there is a Collection account with Security Credit Services listed as the Original Creditor. I never authorized, written or verbal, a contract with Security Credit Services. This alleged contract opened on XX/XX/year> and has a balance in the amount of {$1700.00}. I have no knowledge of this account. This account needs to be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: AL

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.

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 2025-07-21 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: IN

Complaint narrative:
On XX/XX/year> I filed a dispute with Chime on 3 transactions that were charged using my debit card from a XXXX store location for orders that were canceled after they were placed by the merchant. I contacted the merchant first and they confirmed they could see the orders had been canceled but they said when orders are canceled on their end the charge is automatically refunded back into the account that was charged so they said I needed to contact my bank about where my funds were. So through my Chime app I filed disputes on the XXXX transactions from XXXX explained why I was filing the dispute and also provided documentation showing that the orders in my XXXX app show that the orders have the status of " Delivery Error '' on them which proves my claim that I didn't receive any of the merchandise I was charged for. Despite being provided the documentation to support the dispute, Chime denied my dispute. This is the third time that I have filed fully valid, legitimate disputes on charges that I had issues with through my Chime account and everytime Chime denied the claim. The transactions most recently disputed : XXXX {$45.00} charge from XXXX XXXX {$99.00} charge from XXXX XXXX {$300.00} charge from XXXX Now the disputes I filed in the past were due to when I left a domestic violence situation, my ex stole my phone and sent his friend money who also had a Chime account so because the money was sent from my phone, even though I had documentation showing I had to buy a new phone, had relocated from Mississippi all the way back home to Indiana, Chime still denied my claims. Those transactions were : XXXX Transfer to XXXX XXXX {$40.00}, {$50.00}, {$640.00} I don't think Chime actually investigates disputes that are filed with them, or at least they don't seem to review any documentation sent in to support disputes. I have worked for a bank before in their fraud and disputes department so I am well aware of the process for handling claims and if the person filing the dispute can provide documentation supporting their claim, prove they didn't receive benefit from the charge, or that they didn't authorize the transactions than they are entitled to receiving their funds back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: LA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. 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 enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-21 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: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
Subject : Updated Complaint Demanding Deletion of Inaccurate Late Payments or Full Account Deletion ( Account Ending in XXXX ) To Whom It May Concern, This is a formal complaint and final legal demand regarding the inaccurate and unverifiable reporting of late payments by Wells Fargo Auto ( account ending in XXXX ), which have been incorrectly verified by XXXX XXXX XXXX 

Attached are full monthly statements from Wells Fargo Auto proving the following : XXXX XXXX XXXX XXXX XXXX : No payment recorded, but late fee added on XX/XX/XXXX. No evidence of a 30-day delinquency. 
XXXX XXXX XXXX XXXX XXXX XXXX No evidence of payment 30+ days late. A balance carried over does not justify a 30-day late mark. 
XXXX XXXX XXXX XXXX  : Payment of {$550.00} was made oXXXX XXXX XXXX XXXXXX/XX/XXXX. The due date was XXXX XXXX XXXX XXXX  A delay of 7 days is not grounds for reporting 30-day delinquency. 
XXXX XXXX XXXXXX/XX/XXXX : Payment of {$530.00} was made on XXXX XXXX XXXXXX/XX/XXXX, with a due date of XXXX XXXX XXXX XXXX. Again, this does not qualify as 30 days late. 

Wells Fargo Autos own records contradict the information reported. Furthermore, their letter dated XX/XX/XXXX, confirms they can not provide proof of delivery for any delinquency notices. 

This violates : - FCRA 1681e ( b ) Failure to ensure maximum possible accuracy - FCRA 1681i Failure to correct inaccurate information after a dispute - FCRA 1681s-2 ( b ) Furnisher 's duty to verify accuracy when notified of a dispute As such, I formally demand that : 1. All 30-day late marks for XXXX XXXX XXXXXXXX, XXXX, and XX/XX/XXXXXXXX XXXX  be permanently removed from my credit reports with XXXX XXXX XXXX 
2. If verification of 100 % accuracy is not possible, the entire Wells Fargo Auto account must be deleted from my credit files.

I have submitted this complaint through the CFPB and am attaching the relevant statements and Wells Fargos admission letter.

Failure to comply will result in legal action under FCRA 1681n and 1681o. 

Sincerely, 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 2025-07-21 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: FL

Complaint narrative:
I was recently reviewing my Credit Report and noticed that there were fraudulent accounts that I did not authorize.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute inaccurate, fraudulent, or unverifiable information on my credit report. I request that this account be removed from my Credit Report 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 2025-07-21 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 need my correct information to be reported to my background I have inconsistencys with my information my correct Current Phone number is XXXX and my correct current email is XXXX None of the others are mine remove everything else!

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 2025-07-21 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: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. 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 enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-21 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:
Complaint Summary : I am submitting this complaint against Experian for their continued reporting of inaccurate and misleading information regarding a XXXX XXXX tradeline on my credit report. 

The account in question is currently being reported as : Open Balance of {$2600.00} Never late Current status This is inaccurate and misleading. The account is no longer open, does not carry a balance, and is not actively maintained. Experian has failed to ensure maximum possible accuracy and has failed to remove or correct the tradeline after multiple disputes.

Violations : Experians reporting of this account violates multiple sections of the Fair Credit Reporting Act ( FCRA ) : FCRA 1681e ( b ) : Failure to maintain maximum possible accuracy FCRA 1681i ( a ) : Failure to conduct a proper reinvestigation FCRA 1681i ( a ) ( 5 ) : Failure to delete unverifiable and inaccurate information Additionally, Experian is not following Metro 2 industry-standard reporting guidelines and is misrepresenting multiple data fields, including Account Status and Balance.

Consumer Harm : Reporting this account as open and active when it is not has negatively impacted my creditworthiness. It artificially inflates my debt load and affects my debt-to-income ratio, potentially resulting in credit denials, higher interest rates, or other financial harm.

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 2025-07-21 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: DE

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, IL XXXX SSN : XXXX DOB : XX/XX/XXXX Date : XX/XX/XXXX To : Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute & Demand for Full Method of Verification Inaccurate Reporting To Whom It May Concern, I am writing to issue a formal dispute regarding inaccurate and unverifiable items being reported on my Equifax credit report. These accounts are damaging my credit profile and are being reported in violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681.

The accounts listed below are either inaccurate, unverifiable, or misleading, and must be removed immediately if you can not fully validate them with proper documentation : XXXX XXXX XXXX Charge-off {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX Included in Bankruptcy {$0.00} XXXX XXXX XXXX Included in Bankruptcy {$0.00} XXXX XXXXXXXX Included in Bankruptcy {$0.00} As a consumer, I have the right to challenge the accuracy and completeness of any information reported. I am exercising that right now. 

I am demanding the following for each account : The full method of verification used to validate the information, in compliance with FCRA 611 ( 15 U.S.C. 1681i ).

The name, contact information, and title of the person or company who verified the account.

The original signed contract, billing statements, and chain of custody documentation used in your investigation.

A detailed explanation of how and when the account was verified.

You are required to complete your investigation and respond within 15 calendar days of receipt of this letter. If you can not provide the above information in full, these accounts must be permanently removed from my credit file and a written confirmation of deletion must be sent to me.

If this matter is not resolved within the timeframe given, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and Illinois Attorney Generals Office, and I will pursue legal action for : Willful noncompliance ( FCRA 616 ) Negligent noncompliance ( FCRA 617 ) Defamation and financial damages This is your final opportunity to correct this situation. I expect your full compliance. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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:
An inaccurate and unauthorized account has been placed on my credit report, which I did not initiate or approve. This constitutes a fraudulent entry, and I am deeply concerned about the implications it has on my credit standing.

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 2025-07-21 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. 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 enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-21 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: LA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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:
I am writing to bring to your attention a fraudulent entry on my credit report. I have never authorized the opening or reporting of this account, nor have I had any dealings that would justify its presence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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 contacting you to dispute an unauthorized account that appears on my credit report. I have no association with this account, and I did not initiate or approve its creation.

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 2025-07-21 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: LA

Complaint narrative:
I am writing to formally dispute and request the immediate removal of fraudulent accounts being reported on my TransUnion credit report. These accounts are the result of identity theft, and I did not authorize or open them.

Additionally, I am a verified victim of multiple data breaches, including the 2017 XXXX  data breach, which exposed sensitive personal information that may have contributed to the identity theft and the creation of these fraudulent accounts.

Pursuant to Section 605B of the Fair Credit Reporting Act ( FCRA ), you are required to block and remove any information resulting from identity theft within four ( 4 ) business days of receiving the proper documentation.

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 2025-07-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I recently audited my credit card balance and was shocked by the total - after reviewing statements i realized that i have been charged really high interest fees since XXXX XXXX the reason that this was not spotted sooner is because i have auto payment set up for this card. however, because my household income is sometimes tied to commission, i will pay off-cycle higher amounts to my balance from time to time when we get larger checks. upon speaking to amex representatives, they informed me that making a manual payment while auto is set up, cancels that month 's auto payment. i had no idea of this. i have been a long standing amex member and have spent XXXX XXXX XXXX  of dollars with this account. i understand the mistake, but due to the lack of transparency from amex i am asking respectfully that amex make a one time grace adjustment of waving interest, or finding a respectable middle ground as i do not feel that i should be responsible for this amount of interest. the purpose of setting up any type of auto payment was to ensure that my bills are paid on time and i do not accrue interest.

Company response to consumer: Closed with explanation