vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 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:
The ( XXXX ) accounts listed below are obselete and have surpassed the 7 year reporting period in violation of FCRA 623 ( a ) ( 5 ).

I have disputed both accounts and they were verified without any proof regarding the false Date of First Delinquency which triggers the 7 year reporting period. 
I made no payments in the year XXXX nor did I make any payments in the last quarter of XXXX which is the reason I have disputed both accounts as too old ( obselete ) and l demand both accounts be DELETED immediately from my Equifax credit report. 
Additionally, both accounts have been deleted from my other 2 credit reports XXXX XXXX and XXXX 
The FCRA states when a creditor deletes an account it is their responsibility to notify the other credit reporting agencies informing them that they have deleted inaccurate, incomplete and or unverifiable information. 
Both creditors have FAILED to do so regarding both accounts listed below. 

XXXX ) Gettington XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX It is my belief that both creditors have illegally RE-AGED these accounts which is a very serious violation under the FCRA and XXXX will seek legal representation if I am forced to if items are not REMOVED from my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: J J Marshall & Associates, Inc
State: MI

Complaint narrative:
I have a leasing agreement on my credit report dating back to XX/XX/year>. I filed a dispute to get it removed and asked could for a thorough investigation which I have rights to by law due to the FCRA. During this period of time we had grace periods '' and eviction protections due to XXXX and everything be shut down. I explained this in my dispute and they never fixed it. Ive been homeless and havent been able to rent from realtors due to this balance on my credit. Ive went through physical and emotional distress since then. I never given a written consent to anyone to report anything on my report, theres no permissible purpose. Theres so many laws been broken here and its ruining my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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 a victim of XXXX XXXX. 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. XXXX 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 XXXX 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 2025-12-02 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: PA

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Transunion 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 non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
My personal information was stolen from the XXXX XXXX I was just checking my credit report and found out I have XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX that I have never opened or know anything about it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: AL

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-12-02 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: IL

Complaint narrative:
I have found two fraudulent acccounts on my credit report, the accouts are from XXXX XXXX XXXX opened on XXXX and XXXXXXXX XXXX opened on XXXX, please remove them from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: NV

Complaint narrative:
In XX/XX/year>, I discovered multiple inaccuracies and unauthorized inquiries on my credit reports, including outdated addresses, outdated phone numbers, incorrect employment information, and several credit inquiries that I did not recognize or authorize. 

On XX/XX/year>, all three credit bureaus received my written disputes regarding these issues. I provided all required identification documents, including a copy of my drivers license, Social Security card, an affidavit of identity, and a utility bill for proof of address. I requested that each bureau conduct a full FCRA reinvestigation and verify or remove the inaccurate information and unauthorized inquiries. 

Despite receiving my dispute and complete documentation, none of the credit bureaus acknowledged my dispute, initiated an investigation, or provided any response. They failed to comply with the Fair Credit Reporting Act ( FCRA ) requirement to begin a reinvestigation and provide results within 15 days. 

Because my first dispute was ignored, I am submitting a second dispute dated XX/XX/year>, and filing this complaint with the CFPB. I am requesting assistance to ensure the credit bureaus conduct a proper reinvestigation, correct or delete the inaccurate information, remove unauthorized inquiries, and provide written results as required by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: AL

Complaint narrative:
I am writing to formally express my concerns regarding Chime handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Chime numerous times and reporting discrepancies, my financial institution and Chime failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Chime has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: NY

Complaint narrative:
On XX/XX/2025 sent a notice of dispute to XXXX  ( XXXX. XXXX XXXX, XXXX, TX XXXX ) with instructions to provide information on how they validate information while requesting a copy of the original contract or instrument that created the obligation, the ledger entries showing both the debit, which represents the liability claimed, and the credit, which represents value given, and any assignments or endorsement records that prove ownership or transfer of the claim. Without this full proof of value exchanged, the company fails to meet generally accepted accounting principles ( GAAP ) and are engaged in deceptive practices which violates my right to validated proof under 15 USC 1692g

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, I contacted Wells Fargo after receiving a notification about an unrecognized charge of approximately {$40.00}. XXXX directed me to contact my bank. 

During this interaction, I spent nearly 2 hours across 5 separate phone calls. The first agent hung up on me. During one of these calls, an agent closed my debit card and submitted the charges as fraud WITHOUT my authorization or consent. I was never asked if I wanted my card closed. I was not informed it was being closed. I only discovered the closure when I attempted to use my card immediately after the call. 

As a result, I am stranded in a city away from home with no access to my funds. I can not purchase gas to get home. I have to sleep in my car tonight. This card is connected to all of my recurring subscriptions and bill payments, which will now fail. 

I am requesting : ( 1 ) an immediate replacement card in 24 hrs, ( 2 ) a complete list of all recurring charges connected to this card, ( 3 ) an explanation of how an agent closed my card without my consent, and ( 4 ) a review of the agents conduct.

I have been a customer for 20 years.

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 2025-12-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: AAA Auto Title Loans, LLC
State: NV

Complaint narrative:
I have asked on several occasions to stop debiting my account and my debit card. Yet, they continue to do so.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXXTransunion has failed to fulfill its legal obligation under the fair Credit Reporting Act (FCRA) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau (CFPB) has recently filed a lawsuit against Transunion, alleging systematic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumer of dispute outcomes. These failures align with my experience, where Transunion has neither corrected nor removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Transunion's inaction violates federal law and my rights as a consumerXXXXAccount: 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 2025-12-02 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Lockhart, Morris & Montgomery Inc.
State: MI

Complaint narrative:
In XXXX of XXXX I called lockheart because something came up on my credit and I was curious what it was for. The man I spoke to told me it was for a medical bill. Which I thought was weird since he said it was from XXXX of XXXX and this was the first time I ever heard I told him on the phone that in XX/XX/XXXX I had XXXX XXXX  insurance and that anything I would have been seen for my XXXX would have covered. The operator on the phone told me to contact XXXX to provide written documentation that I had insurance for the month of XXXX and the year of XXXX. I did just that I called XXXX and had them send me a written letter stating that I had insurance for the month of XX/XX/XXXX Once I recieved the documentation from XXXX I then called XXXX back in hopes of getting resolve by epically since the first person I talked to made me feel hopeful. 


When I called lockheart back a man answered the phone I told him the reason for my call and he said well this is your bill this isnt our problem this is your problem and was telling me I needed to pay my bills. I told him that I spoke to a guy that told me to call when I got the letter so I could send In my proofs. The guy kept being really rude so I asked to talk to a supervisor and that is when he hung up on me. 

The next time I tried ti call and get resolve by was the week on XX/XX/XXXX. This time when I called I talked to a guy and told him the reason for my call and he kept asking for my full social security number. Asking for codes that he had sent to my phone asking for my address mothers maiden name and I voiced that it made me feel very uncomfortable I told him I never had to give this information over the phone any time I called before. He checked my credit and was trying to get me to pay XXXX to dispute my credit instead of talking about the issue I actually called about. 

On top of these attempts to contact them to resolve the issue I have also filled out disputes trying to get it taken care of that way. All of my disputes were denied. This item will be on my record for another XXXX years and I have been trying to fix my credit so when I was trying to do all of this my hope was for them to see there was a mistake and for it to be corrected. 


I also wan na add I did record a good portion of XXXX of the phone calls I had. The call that was recorded on my end is the one they was trying to get me to pay them to dispute my credit instead of helping me fix the XXXX item I called them to talk about.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: CA

Complaint narrative:
I am writing to formally dispute several inaccurate and unauthorized items appearing in my XXXX  consumer report under Consumer ID # XXXX. My file reflects an account allegedly associated with XXXX XXXX XXXX XXXX XXXX, as well as multiple inquiries that I did not authorize. I have never opened, used, or authorized any accounts or inquiries with the entities listed. These items were reported without my permission and have no permissible purpose under 15 U.S.C. 1681b, making their inclusion a violation of my consumer privacy rights. Additionally, because these accounts and inquiries are not mine, they indicate potential identity theft. Under 15 U.S.C. 1681c, I am requesting the immediate removal of all inaccurate, unverified, and unauthorized information. I do not owe any debt to these entities, and I demand that these items and inquiries be deleted promptly to correct my consumer report.

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 2025-12-02 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: CA

Complaint narrative:
I am writing to formally dispute several inaccurate and unauthorized items appearing in my XXXX  consumer report under Consumer ID # XXXX. My file reflects an account allegedly associated with XXXX XXXX XXXX XXXX XXXX, as well as multiple inquiries that I did not authorize. I have never opened, used, or authorized any accounts or inquiries with the entities listed. These items were reported without my permission and have no permissible purpose under 15 U.S.C. 1681b, making their inclusion a violation of my consumer privacy rights. Additionally, because these accounts and inquiries are not mine, they indicate potential identity theft. Under 15 U.S.C. 1681c, I am requesting the immediate removal of all inaccurate, unverified, and unauthorized information. I do not owe any debt to these entities, and I demand that these items and inquiries be deleted promptly to correct my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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 submitting this complaint regarding multiple inaccurate, incomplete, and unverifiable accounts appearing on my credit reports with Experian, Equifax, and TransUnion, which I believe violate the Fair Credit Reporting Act ( FCRA ). Specifically, the reports contain the following items : Charge-Off Accounts : XXXX  XXXX ( Experian : XXXX, Equifax : XXXX, TransUnion : XXXX ) with balances of {$3900.00}, which appear to have incorrect or unverifiable Dates of First Delinquency ( DOFD ), inaccurate balances, and potentially re-aged or misrepresented delinquency dates, in violation of FCRA 605 ( c ), 605 ( a ), and 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ). Collection Accounts : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX, Acct : XXXX, Balance {$150.00} ) reported on all three bureaus, which may lack a permissible purpose for reporting under FCRA 604 ( a ) ( 3 ), contain unverifiable or inaccurate DOFD, and may include obsolete or misleading information, violating FCRA 605 ( a ), 623 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 5 ). Late/Closed Accounts ( Experian only ) : XXXX  XXXX accounts ( XXXX, XXXX, XXXX  ) reported inaccurately as late or closed, with unverifiable payment histories and incorrect or missing DOFD, constituting a violation of FCRA 605 ( a ), 605 ( c ), 604 ( a ) ( 3 ), 623 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 5 ). These reporting errors are materially affecting my creditworthiness and ability to obtain fair credit. I have contacted each bureau to dispute these accounts, but the information remains uncorrected or unverifiable.

Company response to consumer: Closed with explanation