vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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:
I am filing this complaint NOT because of identity theft but because TRANSUNION has failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA specifically 15 U.S.C. 1681i, regarding the investigation and resolution of disputed inaccuracies on my credit report. I discovered inaccurate and/or unverifiable information on my credit report, including the following accounts : Account Name : DEPT OF EDUCATION/XXXX Account # XXXX Date Opened : XX/XX/XXXX Account Name : DEPT OF EDUCATION/XXXX Account # XXXX Date Opened : XX/XX/XXXX Account Name : DEPT OF EDUCATION/XXXX Account # XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX Account Name : XXXX Account # XXXX Date Opened : XX/XX/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 non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Hi, I would like to report PNC Bank. I have disputed XXXX transactions XXXX for {$530.00}. They took my money back and messed up my account for the holidays. They have no kind of compassion. This was not my credit. this was a fraudulent transaction and they took my credit back for me and they messed up my whole account for the holidays and for my rent my money is not safe with this Bank. I need you to investigate and find out whats going on because I did not authorize this transaction and they took my money back from me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-23 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:
Could you review this item? XXXX unsure about its accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a victim of identity theft. Multiple credit accounts, credit inquiries, and personal identifying information were fraudulently added to my credit reports without my knowledge or authorization. 

I did not open, apply for, or benefit from the following accounts, which were created using my personal information by an unknown third party : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX. These accounts resulted in balances being reported that do not belong to me and have caused significant damage to my credit profile. 

In addition, several credit inquiries were made without permissible purpose, including inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I did not authorize these inquiries and did not apply for credit with these companies. 

My credit reports also list inaccurate personal information that does not belong to me, including the address XXXX XXXX XXXX XXXX XXXX  XXXX and employment with XXXX. I have never lived at that address and have never worked for that employer. The presence of false addresses and employment information is consistent with identity theft and further confirms unauthorized use of my identity. 

I filed an official Identity Theft Report with the Federal Trade Commission ( FTC Report # XXXX ), which legally requires credit reporting agencies to block and remove identity-theft-related information. Despite providing proper documentation, these fraudulent items have continued to appear on my credit reports, placing me at ongoing risk of further financial harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: TX

Complaint narrative:
Accounts do not belong to me. I never opened these accounts. Victim of identity theft and fraud. 

Account Name : XXXX Opened XXXX XX/XX/year>2024 Amount : {$890.00} Identified Fraud Account In XXXX of 2024. 

Account Name : XXXX  XXXX Opened : XX/XX/year>2024 Amount : {$1000.00} Identified Fraud Account In XXXX of 2024 These account never belonged to me.

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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Good day, I am requesting the removal of the subsequent late payment from my credit report. This constitutes a billing discrepancy. I have never been tardy on this payment. I consistently make timely payments since my account is set to auto-pay. Kindly ensure punctuality at all times. I am enclosing all requisite paperwork with this letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: FL

Complaint narrative:
Good day, I am requesting the removal of the subsequent late payment from my credit report. This constitutes a billing discrepancy. I have never been tardy on this payment. I consistently make timely payments since my account is set to auto-pay. Kindly ensure punctuality at all times. I am enclosing all requisite paperwork with this letter.

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 2025-12-23 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: PA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: NC

Complaint narrative:
I am submitting this sixth-round dispute to formally challenge the continued reporting of inaccurate information on my Equifax and Experian credit report, specifically concerning the reporting of an incorrect address and a charge-off account that does not accurately reflect my records. Despite my previous disputes and the documentation I have provided, these items remain inaccurately reported, which misrepresents my credit history and continues to adversely affect my creditworthiness. I am requesting a thorough reinvestigation, verification, and updating of these items in full compliance with the Fair Credit Reporting Act ( FCRA ), including but not limited to 607 ( b ), 609 ( a ), 611 ( a ), 623 ( a ) ( 2 ), and 605 ( a ), to ensure that my credit report reflects only complete, accurate, and verifiable information. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX, NC XXXX The continued presence of these inaccuracies materially affects my ability to obtain credit on favorable terms, increases the risk of higher interest rates, and exposes me to potential financial harm. Under FCRA 605 ( a ), any obsolete or unverifiable information must not remain on my credit report. I am exercising my rights under FCRA 609 ( a ) to request full disclosure of all information relied upon in reporting these accounts, including documentation provided by the original creditor to support the reported balance and status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Berman & Rabin, P.A.
State: CA

Complaint narrative:
Do you have a criminal ring? XXXXXXXX XXXX is enabled criminal activity from the XXXX XXXX XXXX XXXX XXXX XXXX theyre shaking homeowners down by throwing ad charges and taxes to the HOA account and throwing fake leaves on properties to save homeowners down payment crazy amount every month!!! I made {$11.00} and none of it credit toward my account!! and Ive made several attempts with the collection agency to make payments and then now theyre ignoring my calls, not to mention the miss balance of my account!! theyre literally stealing owners properties here!!! theres tons of victims, please help XXXX ) XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-12-23 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: NY

Complaint narrative:
I am a victim of identity theft caused by a data breach, which resulted in unauthorized accounts appearing on my credit report. These accounts do not belong to me and were opened without my consent.My identity theft is documented under FTC Identity Theft Report # XXXX. Pursuant to 15 U.S.C. 1681c-2 ( a ), the accounts listed below must be BLOCKED and REMOVED, as their continued reporting violates my consumer rights. 
Account : XXXXXXXX XXXX XXXX Account # : XXXX Account : XXXXXXXX XXXX XXXX XXXX Account # : XXXX Account : XXXX XXXX  Account # : XXXX Account : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Account # : XXXX EXPERIAN INQUIRY XXXX XXXX XXXX XXXX INCORRECT ADDRESS : XXXX XXXX XXXX, XXXX Equifax InquiryXXXX XXXXXXXX XXXX XXXXXXXX dated XX/XX/year> INCORRECT ADDRESS XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NY XXXX Transunion Inquiry XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Under 15 U.S.C. 1681c-2 ( a ), I demand that these fraudulent accounts be immediately blocked and removed from my credit report. Provide written confirmation of their removal. Continued reporting of this information will be considered a violation of the Fair Credit Reporting Act and may prompt further action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: Chime Financial Inc
State: WA

Complaint narrative:
I am filing this complaint against Chime for the wrongful denial of a dispute regarding a transaction on XX/XX/year>, for {$1000.00} to XXXX XXXX XXXX ( Order XXXX ). The item purchased ( an electric bike ) arrived with a manufacturing defect. The seller admitted in writing that the part was " accidentally omitted during warehouse packing. '' I attempted to resolve this in good faith for XXXX months, but the seller ultimately breached the repair agreement on XX/XX/year>, admitting the part was " out of stock. '' Despite providing Chime with screenshots of the seller 's admission of fault and the merchant 's ( XXXX ) official refusal to refund, Chime has ignored the evidence of " Goods Not as Described. '' They are denying the claim based solely on a deadline that was missed only because I was waiting on a promised repair that never came. I request a full refund of {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: IL

Complaint narrative:
First of all, in XXXX I was approved for a personal student loan for XXXX dollars I read the instructions and it had me select whether I wanted the rest of the money given to me once the school take there money I selected yes. So the school only take XXXX dollars and I asked the school where my XXXX they told me they gave it back to the loan company but thats not what I selected and I tried to talk with the loan company and was told that it's with the school. So I never got the XXXX at all. 

Now here it is XXXX I am in the same school and in the second quarter it clearly shows that the net funding was disbursed to the school for XXXX dollars. My tuition and fees come up to XXXX dollars it clearly says the balance or credit is XXXX, which should be disbursed to me. I owe the school so they took out XXXX watch leaves XXXX now I was to received a Alumni lifelong learning grant for XXXX dollars for the second quarter I have only been disbursed XXXX watch is not right I should have been disbursed a total of XXXX but I only got XXXX in my disbursement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ACIMA CREDIT, LLC
State: GA

Complaint narrative:
I contacted XXXX on XX/XX/year> to seek clarification regarding my denial and adverse action notice, which states the reason as Unable to verify identity. 

I reached out because I believed the denial may have resulted from XXXX specific questions during the identity verification process : - The year associated with my student loan. I have multiple student loans that share the same account number, making it difficult to identify a single year. 
- The opening date of a company for which I have XXXX cardstwo opened in XXXX year and another opened in a different year. 

When I spoke with a chat agent named XXXX, who a phone agent advised was a supervisor, I was told to reapply in 30 days and that unable to verify identity does not necessarily mean that my identity could not be verified. I politely explained that, by law, the reason stated in an adverse action notice must accurately reflect the actual reason for denial and can not differ from what is communicated verbally. The agent responded that the company operates lawfully and then ended the chat. 

I want to be clear that I am not upset and I am not disputing the denial itself. My intent was simply to understand the reason so that I could correct any potential issues in the identity verification process. However, being told that the stated reason in the adverse action notice may not be the actual reason creates a compliance concern. 

If the denial was truly due to identity verification, I am seeking guidance on how to resolve that. If the denial was based on a different factor, the law requires that the adverse action notice accurately reflect that reason. 

My understanding is that when a lender denies credit, they must provide an adverse action notice that : - States the actual reason ( XXXX ) for the denial - Is accurate, specific, and truthful - Is provided within the required timeframe Lenders may not : - Provide a placeholder reason - Provide one reason in writing and a different reason verbally - Refuse to clarify or correct an inaccurate notice This understanding is based on the Equal Credit Opportunity Act ( ECOA ) and the Fair Credit Reporting Act ( FCRA ).

Please let me know if my understanding is incorrect, if additional clarification can be provided, or if the issue may instead stem from Experian or another reporting source. I am open to addressing the matter appropriately, regardless of where the issue lies. 

I also find it bothersome that my chat history with XXXX is not available, but my chat history with XXXX and XXXX is.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: CA

Complaint narrative:
I am writing to dispute an incorrect charge-off listing reported under my name for the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to the credit report I received, this account shows a balance of {$0.00} and is marked as " tied up. '' However, there has been no explanation or documentation provided to justify why this account is being reported as a charge-off. As a consumer, I have the right to dispute inaccurate or incomplete information under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which requires credit bureaus to ensure that information on a credit report is accurate and verifiable. Given the ambiguous nature of the charge-off entry, I request a full investigation into this matter to clarify the account 's status and to ensure the information reported is correct.

Upon closer examination, I noticed that the charge-off was reported without any prior formal notification or detailed breakdown of the balance. According to 15 U.S.C. 1681c, creditors are obligated to report accurate information within a reasonable timeframe. The charge-off status, without adequate verification or supporting documentation, is causing me significant concern. Furthermore, under 15 U.S.C. 1681s-2, creditors ( furnishers of information ) must take steps to report information that is accurate and complete. I request that the credit bureau investigate this matter fully by contacting the creditor to verify the legitimacy of the charge-off, its balance, and the true nature of the account. I ask that you provide me with a written response detailing your findings and actions taken.

Additionally, I would like to emphasize that under the Consumer Credit Protection Act ( CCPA ), and specifically the Fair Debt Collection Practices Act ( FDCPA ), creditors are required to validate debts and ensure they are accurately reported before labeling them as charge-offs. The account in question is marked as " tied up, '' which adds to the confusion and makes it unclear whether the charge-off is a valid reflection of my financial obligations. It is crucial that this be reviewed thoroughly, as this inaccurate entry has a significant negative impact on my credit history. I respectfully request that this matter be resolved promptly and that any inaccurate or misleading information be corrected in accordance with the 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 2025-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
This company seems to have several accounts they are contacting me about. They have told me a social security number that is not mine and the date of birth. Also its not my correct name. How can this debt be mine and this company is reporting a debt with not my information. That is against the law

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: NJ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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