vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: DISCOVER BANK
State: TN

Complaint narrative:
On XX/XX/XXXX XXXX transunion did not get filed by accident yday, and rthey are part of the problem. I asked the supervisor XXXX, from OHIO XXXX XXXX to call me on my POTS -analog landline and she told me that my landline of XXXX is not showing up on my extended fraud alert. This is my landline, which I have have since XXXX with XXXX. This is my phone number. My cell phone is XXXX, and I believe that XXXX is still mixing me up with XXXX from the state of Florida. We know for a fact that XXXX XXXX Consumer file is mixing me up with other people who are not me such as XXXX XXXX XXXX XXXX. I am also not XXXX XXXX XXXX. XXXX stated that me. 

I requested a letter from Discover verifying the opt out by XXXX mail from voice recognition. I was toid by XXXX agents that they were not required toprovide me an opt out letter. That is not true and I never opted in. Then when speaking to the supervisor XXXX, she told me that she would see what could be done to opt me out. I believe that my phone numbers are still in question as who they belong to, except they belong to me. 

I want my account to be listed under XXXX XXXX XXXX XXXX and my card embossed as XXXX XXXX XXXX XXXX XXXX. 

I also want all the reference numbers for all the credit that has been pulled on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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 submitting this complaint to formally request the immediate blocking and deletion of fraudulent accounts appearing on my credit report, which were created using my personal information compromised in the Equifax data breach. Despite submitting a detailed dispute letter to the credit bureauincluding proof of identity theft, a list of unauthorized accounts, and personal identifiersthey have failed to take appropriate action within the timeframe required by the Fair Credit Reporting Act ( FCRA ) 1681c-2 ( a ). These fraudulent accounts continue to harm my credit profile and violate my rights under federal law. I am asking the CFPB to investigate this matter and compel the bureau to permanently remove the disputed items, provide written confirmation of the actions taken, and ensure full compliance with the FCRA and other applicable consumer protection statutes. This issue poses an ongoing threat to my financial security and demands urgent resolution. 

XXXX. Identity Theft XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: FL

Complaint narrative:
I am submitting this complaint because Equifax is reporting multiple accounts from XXXX XXXX XXXX  as separate collection accounts even though I have no knowledge of these accounts and the information being furnished is inaccurate, incomplete, and in violation of multiple federal laws. Equifax is reporting an individual account listed as XXXX XXXX XXXX with account number XXXX, Date Opened XX/XX/year>, High Balance {$650.00}, marked as a collection account, but I do not recognize this account, I have never authorized this debt, and Equifax has failed to provide any proof of my liability, my signature, or any legally required documentation. Equifax is reporting another individual account separately also listed as XXXX XXXX XXXX with account number XXXX, Date Opened XX/XX/year>, High Balance {$200.00}, marked as a collection account, and again I have no knowledge of this account, I never entered into any agreement with this company, and the reporting appears to be duplicated, inconsistent, and unverifiable. These accounts violate the Fair Credit Reporting Act including but not limited to 15 U.S.C. 1681e ( b ) for failing to maintain maximum possible accuracy, 15 U.S.C. 1681i for failing to conduct a reasonable reinvestigation, and 15 U.S.C. 1681s-2 for allowing unverified, unproven, and inconsistent data to remain on my consumer report. I am requesting CFPB intervention because Equifax continues to report these accounts without providing validation, without correcting the inaccuracies, and without removing unverified information as required by federal law. I am demanding that Equifax immediately conduct a lawful investigation, obtain original contracts bearing my signature, provide full validation and documentation of these alleged debts, and delete any account they can not verify with legally acceptable evidence. I request that the CFPB ensure Equifax complies with all federal regulations, corrects these inaccuracies, and removes these unverified accounts from my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
On XXXX XXXX, around XXXX XXXX XXXX p.m., XXXX collector demanded XXXX dollars plus change. I asked for a lower settlement-he said XXXX, I asked for lower but a supervisor had final say. So he connected me to a Supervisor refused to state ANY price unless I said yes, I'll pay today-illegal pressure. I escalated ; boss above him did nothing. That's the whole thing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: TX

Complaint narrative:
I am filing this formal complaint due to unauthorized inquiries in my credit report, made without my consent and in violation of the Fair Credit Reporting Act ( FCRA ). These inquiries negatively impact my credit score and do not fulfill any permissible purposes as defined by law.

Details of Disputed Inquiries : The following disputed inquiries have been verified by the creditors as conducted without my knowledge or authorization : XXXX XXXX XXXX XX/XX/XXXX TRANSUNION Specific Violations of the FCRA and Legal Basis : 1. Permissible Purposes ( FCRA, 15 U.S.C. 1681b ) : Credit inquiries must be conducted only for permissible purposes under the FCRA. The inquiries listed do not meet these purposes. In XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), the court ruled that accessing a credit report without a permissible purpose violates the FCRA.

2. Obligation to Investigate and Correct ( FCRA, 15 U.S.C. 1681i ) : The FCRA requires credit bureaus to correct any inaccurate or unverifiable information. These unauthorized inquiries should be removed under this provision.

3. Protection Against Identity Theft ( FCRA, 15 U.S.C. 1681c-1 ) : Since these inquiries were unauthorized, they may pose a potential risk of identity theft. The FCRA provides additional protections to prevent unauthorized inquiries that could indicate fraud.

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 2025-11-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TN

Complaint narrative:
On XX/XX/year> someone hacked my chime account and stole my money, in the amount of {$370.00}. I filed a dispute and it was denied. The person who took the money I don't know the person. The name is XXXX XXXX, from South Carolina, this is what it says on my account when I look at the person 's profile. This person hacked into my account and made XXXX transactions and took a pay advance. Chime advised me to file a police report after they denied me and I did and resubmitted my claim again and they denied it again. I'm a single mom of XXXX children and I don't make a lot of money and that put me behind on my rent, insurance and other bills. Chime refuses to cooperate correctly and I need it resolved. I'm going to complain to the BBB and talk to a lawyer. I didn't make those transactions and I don't think I should have to suffer for it. It has caused me emotional damage and stress.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: GA

Complaint narrative:
On XXXX XXXX XXXX I obtained a title loan from titlemax. The GM kept commenting on how much her son would love to have my truck. She did the paperwork and it showed a payment of XXXX. I asked her if that was the regular payment she said no that was the first one it was the loan and doc fees. And that I would receive my payment in a few weeks. I told her I wasnt signing it until I knew the payment she said that was fine. The payment comes due and the GM was fired. According to another employee because of the loan on my truck. They repossessed it in may and I picked it up in XX/XX/XXXX. They forced me to sign another contract with that payment or they wouldnt give me my truck. I gave them XXXX that day and the loan is XXXX higher than what I was given now. I reached out to titlemax and told them I wanted to repay the loan but with a reasonable payment. They said no I agreed to XXXXbecause I signed it in XXXX. I told them I wasnt signing forces to and I received the check in XXXX. They said I signed the loan documents in XXXX. I went and had another copy of my contract printed from their store around XX/XX/XXXX to make sure it was still unsigned. Well now the match contract has a signature. That clearly is not mine. They are saying it is mine and are trying to repo it. Their repo guys came into my backyard in the middle of the night and put a tracking device on my truck. They have involved my neighbors and stores I live close to asking them to help the get my truck.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: VA

Complaint narrative:
I am disputing the accuracy of the XXXX XXXX account starting in XXXX. 
The information being reported is inconsistent between the credit bureaus, and because of these contradictions, the account can not be verified or reported accurately. 

Here are the specific issues : Equifax reports a High Credit of {$0.00}, while TransUnion and Experian report {$6700.00}. 
This is not possible, especially since the account also shows a balance of over {$6000.00}. High Credit can not be XXXX. 

The Date of Last Payment does not match across the bureaus. 
TransUnion and Experian show XX/XX/year>, but Equifax shows XX/XX/year>. 

The Date Last Active also differs across the bureaus, which means the furnisher is not providing consistent, verifiable data. 

These conflicts violate the FCRAs requirement for maximum possible accuracy ( 607 ( b ) ) and the furnishers duty to report accurate information ( 623 ( a ) ( 1 ) ( A ) ). 

Because this account is being reported with contradictory and unverifiable information, I am requesting that the entire XXXX XXXX tradeline be deleted from my credit report. 

Please complete your reinvestigation and provide written confirmation once the deletion is completed.

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 2025-11-28 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: WA

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect 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 explanation
Consumer complaint received 2025-11-28 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed 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 non-monetary relief
Consumer complaint received 2025-11-28 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:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-11-28 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:
Dear Sir/Madam, I am writing to formally dispute the following accounts that I believe are reported inaccurately on my credit report. Below are the accounts in dispute, separated by credit bureau. I kindly request that these items be thoroughly reviewed and corrected. 

Charged Off Accounts : US DEPT ED Account Number : XXXX Date Opened : XX/XX/year> Balance : {$3300.00} Late Payments : XXXX XXXX XXXX  Account Number : XXXX DPT EDXXXX Account Number : 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 2025-11-28 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: GA

Complaint narrative:
I am writing to dispute fraudulent information that appears on my credit report pursuant to 15 U.S.C. 1681c-2, and to formally request that this information be blocked or removed. I am including a copy of my identity theft report issued by the Federal Trade Commission ( FTC ) XXXX as supporting evidence for my claim. 
According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block or delete any information identified by the consumer as resulting from identity theft within four ( 4 ) business days. 
The following information on my credit report is the result of identity theft and must be blocked : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX As outlined in 15 U.S.C. 1681c-2, I am formally requesting that this fraudulent information be blocked or removed immediately from my credit report. This information should remain blocked for a period of one year, after which I may request an extension. During this time, no fraudulent data should continue to appear in my file. 
I have contacted the credit bureau reporting these fraudulent accounts multiple times, and they have failed to provide me with an effective resolution. This situation is severely affecting me and feels like a never-ending cycle. I do not understand how these accounts can still be reported as mine when I have already proven otherwise. 
Please help me by removing these accounts immediately. I am including my FTC report again, hoping that you will make a better and fairer decision in my case. Thank you for your attention.

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 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: GA

Complaint narrative:
Jefferson Capital Systems is reporting an account to the credit bureaus that I am not legally responsible for and could not have opened, authorized, or used. During the period this alleged account originated and was supposedly active, I was XXXX  under the XXXX XXXX XXXX and not physically capable of engaging in any credit activity. Under federal law, a furnisher must have a factual basis and documentary evidence before reporting a debt as mine, especially when there is a clear impossibility of consumer participation. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ). 

I disputed this account and specifically requested full documentary validation : the original signed contract, itemized account history, the complete chain of assignment, and proof of my legal responsibility. None of this was provided. Instead, the furnisher and credit bureaus relied on automated verification through the XXXX system without ever reviewing real documents, which courts have held is not a reasonable reinvestigation. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ). 

Jefferson Capital Systems continued reporting without producing a contract, billing statements, or assignment documentation shows willful and negligent noncompliance with the Fair Credit Reporting Act. Furnishers are prohibited from continuing to report disputed information they can not substantiate. See XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX ( XXXX XXXX XXXX ). They have provided zero evidence that I ever had a contractual relationship with the original creditor or any successor. 

This alleged debt is also assigned to another party under a court-issued divorce order, meaning I am not the legally obligated party even outside my XXXX custody status. Reporting a debt that is not mine and refusing to provide documentation after request is false furnishing under FCRA 602 ( a ) and 623 ( a ) ( 1 ) ( A ). 

I am disputing this through CFPB because the prior dispute was processed through automated bureau systems instead of a real investigation. No documents were reviewed, no contract was produced, and no evidence was shown that the account belongs to me. This furnisher is reporting impossible, unverified, and legally unsupported information, and it is causing significant credit damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: CA

Complaint narrative:
Equifax is reporting two XXXX XXXX collection accounts that I have disputed multiple times. They claim the items were verified but refuse to provide the legally required Method of Verification under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). 

They have not provided : What documentation was used to verify the accounts Who they contacted Proof of reasonable procedures under 15 U.S.C. 1681e ( b ) Any supporting records sent by XXXX XXXX Equifax is reporting unverified information in violation of the FCRA. 

XXXX XXXX has also failed to provide proper validation of the debt under FDCPA 809 ( b ). They have not provided any original documentation, contract, or proof that these debts are mine. 

I am requesting enforcement action and for both collection accounts to be removed as they are unverified and improperly reported.

Company response to consumer: Closed with explanation