vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-13 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: OH

Complaint narrative:
I was a victim of identity theft in XXXX. While preparing to purchase a home, an unauthorized XXXX account appeared on my credit report. I contacted XXXX immediately, and they offered a pay-for-deletion resolution. Relying on their verbal assurance, I paid the account in full. However, the account was never removed. 

XXXX has since reinserted the account multiple times, changed the open date, altered the payment history, and continued reporting it inaccurately without proper notice, in violation of FCRA 611 ( a ) ( 5 ) ( B ) and FCRA 623 ( a ) ( 5 ). 

I have submitted disputes with all three credit bureaus, provided proof of identity theft and police reports, and yet XXXX continues to verify this account as accurate without proper reinvestigation, violating FCRA 1681i, 1681s-2, and 1681n.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP
State: TN

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and report fraudulent accounts that were opened in my name without my knowledge or authorization. These accounts were apparently opened by a now-deceased relative, who had access to my personal information prior to their passing. I found out when she passed any my credit was affected.

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 2025-07-13 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: GA

Complaint narrative:
These accounts are unauthorized and are not mine. I would like all these accounts removed from my credit 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 2025-07-13 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:
These accounts are unauthorized and are not mine. I would like all these accounts removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent letters to all three credit bureausEquifax, Experian, and TransUnionrequesting they update and correct my personal information under the Fair Credit Reporting Act ( FCRA ). 

I clearly stated the following : My correct and only name is : My correct and only Social Security Number is : My correct and only date of birth is : My current and correct address is : I also requested that all other addresses be removed from my credit report, as they are inaccurate and not deliverable by the XXXXXXXX XXXX XXXX These outdated or incorrect addresses are not reportable under the FCRA and may be contributing to incorrect account associations. 

Despite this request, ( Equifax, Experian, and TransUnion ) has failed to make the requested updates and continues to report incorrect personal information on my file. I am now submitting this complaint to request that these corrections be made immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I requested to close my Navy Federal XXXX Rewards credit card. I have additional credit cards with navy federal, so I requested to reallocate my available credit on my XXXX  card to another card. For the reallocation, I was told that the request would need to be reviewed and approved before I could close my card. During the review process which can take several days, new charges posted to my account. Navy Federal closed the case since they said I must have a {$0.00} balance on the card in order to reallocate the available credit. When I asked them why the card needed a {$0.00} balance in order for them to approve the credit reallocation, they could not provide me with a reason. I asked if I could submit a payment in advance to cover any pending charges, but Navy Federal said that I can't pay more than the balance due. They told me my only options are : 1 ) Update my payment information with all the vendors to make sure that I don't get additional charges on my XXXX XXXX, or 2 ) I can close the card immediately, but I would have to forfeit the credit that I am trying to reallocate which would damage my credit score. I have reallocated credit when closing other cards multiple times, and it has never been a multi-day process with any other credit card companies. I feel like Navy Federal is making me jump through hoops in order to close this card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: CT

Complaint narrative:
I have sent evidence to Transunion with two of the collections shown on my report by them. Both are invalid. One of them that is reporting from XXXX XXXX was deleted a while ago from all the credit bureaus except Transunion. The credit Collection agency is baffled that this is even reporting considering they do not even have a file on me. They have asked Transunion to remove this and they have not complied. 
The other one I sent supporting evidence for and they claim it is still under investigation. However they keep validating the same bogus stuff. \ These inaccuracies have caused me to be denied credit on more than 3 occasions. ( I can show proof ) This is hurting my ability to gain credit when needed.

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 2025-07-13 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:
Please remove these accounts because my information was bought and sold without my permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 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: FL

Complaint narrative:
Please remove these accounts because my information was bought and sold without my permission.

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 2025-07-13 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: VA

Complaint narrative:
I am writing to formally dispute an inaccurate late payment entry on my consumer credit report. I can confirm that I have always maintained timely payments on my account with XXXX XXXX, account # XXXX. Therefore, the late payment currently appearing on my report for this account is incorrect. Please investigate this discrepancy and provide documentation, such as account statements, to substantiate the late payment. If you can not provide proof, I expect this error to be promptly removed and my account updated to reflect its accurate history of on-time payments.

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 2025-07-13 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: MI

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3200.00} Account Name : XXXX XXXX  Account Balance : XXXX Date Opened : XX/XX/XXXX Balance : {$4600.00} Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$730.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3200.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7700.00} Unverified/Unauthorized Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX is inaccurately reporting late payments that I have disputed without resolution. I have not received adequate documentation to verify the accuracy or completeness of these derogatory marks. 
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, consumers are entitled to a reinvestigation of disputed information, and under XXXX ( a ), furnishers must provide accurate data and correct or delete unverifiable information. 
Additionally, XXXX XXXX. XXXX ( b ) requires that all information furnished to credit reporting agencies be as accurate and complete as possible. XXXX has not produced any original documentation ( billing history, payment records, or account notes ) validating the reported delinquencies. 
Since the information is either inaccurate or unverifiable, I request that the CFPB intervene to compel XXXX and the credit reporting agencies to remove the late payments from all three reports under XXXX U.S.C. XXXX, which allows for the blocking of unverifiable or inaccurate data. 
These entries are materially damaging my creditworthiness and affecting my ability to qualify for credit, housing, and financial services.

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 2025-07-13 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: NC

Complaint narrative:
XXXX XXXX XXXX is inaccurately reporting late payments that I have disputed without resolution. I have not received adequate documentation to verify the accuracy or completeness of these derogatory marks. 
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, consumers are entitled to a reinvestigation of disputed information, and under XXXX ( a ), furnishers must provide accurate data and correct or delete unverifiable information. 
Additionally, XXXX XXXX. XXXX ( b ) requires that all information furnished to credit reporting agencies be as accurate and complete as possible. XXXX has not produced any original documentation ( billing history, payment records, or account notes ) validating the reported delinquencies. 
Since the information is either inaccurate or unverifiable, I request that the CFPB intervene to compel XXXX and the credit reporting agencies to remove the late payments from all three reports under XXXX U.S.C. XXXX, which allows for the blocking of unverifiable or inaccurate data. 
These entries are materially damaging my creditworthiness and affecting my ability to qualify for credit, housing, and financial services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I sent a certified dispute letter to XXXX XXXX XXXX on XX/XX/year>, to the address listed on my credit report. This dispute was sent regarding two accounts they are collecting for XXXX XXXX XXXX  : XXXX ending in XXXX and the other in XXXX. The dispute was sent in accordance with FCRA 623 ( a ) ( 8 ) and FDCPA 809 ( b ), requesting full validation and investigation of both accounts. 



As of today, XXXX XXXX has failed to respond in any form no letter, no validation, no evidence of investigation. Despite this, they have continued contacting me by email, referencing both balances : {$1000.00} and {$1100.00}. This is an ongoing attempt to collect a debt that has not been validated, which violates FCRA and FDCPA. 



Furthermore, these accounts are still being reported to credit bureaus without resolution, despite my direct dispute and validation request over 30 days ago.

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 2025-07-13 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:
Please check the information concerning the Equifax data breach below in attachments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: FL

Complaint narrative:
Dear CFPB, I am filing a complaint against Chime for their repeated failure to properly investigate and resolve an unauthorized transaction on my account. 

An unauthorized charge from XXXX XXXX appeared on my account on XX/XX/year>. I immediately began the dispute process with Chime. Despite my repeated efforts, my claim has now been denied four times, most recently on XX/XX/year>, after I filed my fourth appeal on XX/XX/year> just XXXX day earlier. There is no way Chime could have conducted a full and fair investigation within that short time frame. 

Additionally, I was contacted by XXXXXXXX XXXX corporate team, who are willing to help resolve the matter. However, they were unable to locate the transaction using the case number Chime provided in the app. Since this charge was unauthorized, I do not have any further transaction information only the card number that was used. Unfortunately, Chime has placed the burden entirely on me while failing to do their part in reaching out to XXXX XXXX to investigate. 

Chime has failed to : Communicate with the merchant to verify the transaction Conduct a reasonable investigation within a legally acceptable timeframe Support me as a consumer under the protections of Regulation E I am requesting the following resolution : A full and proper investigation into the unauthorized XX/XX/XXXX transaction Direct outreach by Chime to XXXX XXXX to help locate the charge A refund of the disputed amount if it is confirmed as unauthorized, as I have maintained from the beginning Chimes handling of this case has been careless and unacceptable. I am asking for the CFPBs help in ensuring Chime meets its legal obligations and treats its customers fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: BTH Management
State: GA

Complaint narrative:
It was about XXXX weeks ago, I found out that Plaza Services was calling family/friends who are associated with me asking for money. And they also told me they can garnish my check and looked into who's name the house and car was in to take it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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:
Trans union is patting my account with information that is not mine. Trans union just put on my credit file a XXXX  account that has been closed for 4 years. Trans union added XXXX account to my credit file. apron calling XXXX  they have no idea as to why it just showed up as an open account. XXXX  said they have no open accounts under my information. This account needs to be removed, and Trans union needs to send me a check for {$1000.00} for the inaccurate information placed in my profile. if this account is not removed asap league action will be taking place against XXXX and Trans union for in accurate information placed on my account. XXXX  and Trans union need to send me a check for {$1000.00} each for the inaccurate information. The Fair Credit Reporting Act states all Credit files need to report 100 % accuracy at all times and if there is a incorrect and inaccurate and Fauls reporting that is a VIOPLATION of my rights under the FCRA. and I'm intitled to a check for {$1000.00} per Violation. I Have Down loaded the Credit report showing XXXX  placed on account yesterday.

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 2025-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
I am disputing a collection account that appears on my credit report. The original debt was with XXXX XXXX, but it was later sold or transferred to a third-party debt collector, Midland Credit Management . I have not received proper verification of this debt from Midland Credit Management. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that the collection agency provide full documentation validating the debt, including proof of the original contract and the chain of ownership. If they can not validate this debt, it must be removed from my credit report. I request that the CFPB help ensure this matter is resolved properly and that my rights under the FCRA are upheld.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: FL

Complaint narrative:
b'An old room mate used my credit and personal infor mation without my knowledge'

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 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I am filing this complaint for inaccurately and unlawfully reporting a " XXXX '' status on my credit report. 

This account has been reported as charged-off, yet no IRS XXXX has been issued, which violates XXXX XXXX. XXXX. This is a potential case of tax misreporting. Additionally, they are violating the Fair Credit Reporting Act ( XXXX XXXX. XXXX ( b ) ) by reporting unverifiable and inaccurate information. 

I have sent a notarized legal demand letter requesting deletion of the account, with full documentation, but no action has been taken. This situation is damaging my credit and financial standing. 

I respectfully request the CFPB to investigate and require immediate removal of this account from all consumer reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF HAWAII CORPORATION
State: HI

Complaint narrative:
Bank of Hawaii refused to deposit a valid check into my account and provided no explanation, even after I asked. This caused me to switch banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: AL

Complaint narrative:
there was three car loans and one personal loan that was open under my name i filed a police report and i sent to the credit bureaus and companies these are the actions i took trying to clear theses accounts off my credit report all companies was rude and unhelpful XXXX XXXX XXXX XXXX was open XX/XX/year>XXXX  for {$48000.00} XXXX XXXX XXXX XXXX was open XX/XX/year> for {$61000.00} XXXX XXXX was open XX/XX/year> for {$18000.00} XXXX XXXX  was open XXXX XXXX for {$15000.00} and they dont want to remove these accounts.

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