vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this formal complaint to the Consumer Financial Protection Bureau against multiple furnishers and credit reporting agencies for reporting false, inaccurate, and unverifiable information on my credit file, in direct violation of the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq. The ongoing misreporting of these items has caused significant harm to my creditworthiness, emotional distress, and loss of financial opportunities. 
My credit report lists several addresses that are not associated with me, including XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX I have never lived at these addresses, and their inclusion on my credit report is entirely erroneous. Under FCRA 1681i ( a ), these inaccuracies must be investigated and corrected immediately. 
XXXX XXXX XXXX XXXX, account XXXX XXXX opened on XX/XX/XXXX with a reported balance of {$9200.00}, is inaccurately marked as a charge-off. I have no knowledge of this account and have never received notice of any default. This reporting is completely unverified and must be removed from my credit report as required by FCRA 1681i ( a ). 
XXXX XXXX, account XXXXXXXX XXXX XXXX, opened on XX/XX/XXXX with a balance of {$430.00}, is incorrectly reported as a late payment. I have consistently made timely payments on this account, and this negative notation is false. I request that this account be corrected to accurately reflect my payment history, as mandated under FCRA 1681s-2 ( a ). 
I am requesting that the Consumer Financial Protection Bureau investigate these ongoing violations and compel the involved furnishers and credit bureaus to immediately delete all unverifiable and inaccurate information from my credit file. I have already contacted the bureaus regarding these matters, but they have failed to take corrective action or provide valid proof verifying the legitimacy of these accounts and addresses. 
I demand full enforcement of my consumer rights under the Fair Credit Reporting Act and Fair Debt Collection Practices Act. I expect prompt investigation, verification, and removal of all erroneous and unverified entries, along with written confirmation of corrective actions taken by the concerned parties. Continued negligence in this matter will justify further legal escalation and damages claims for willful noncompliance under FCRA 1681n and negligent noncompliance under 1681o.

I respectfully request the CFPB to ensure that all parties responsible for these inaccurate reports are held accountable for their violations of federal law and that my credit report is restored to an accurate and fair standing immediately.

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 2025-10-17 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am writing to formally dispute certain inaccurate information that appears on my credit report. I recently obtained a copy of my credit report and discovered entries that are incorrect and do not belong to me. These inaccuracies have negatively impacted my credit score and have hindered my ability to secure financing for a home.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to dispute information I believe to be inaccurate or incomplete. I am requesting that your agency conduct a reasonable reinvestigation of the following items and remove them from my credit report if they can not be verified : [ List each disputed item here, including the creditor name, account number, and the nature of the inaccuracy. ] These entries are not only inaccurate but also constitute a defamation of my character and have caused me financial and emotional distress. 

Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely,

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 2025-10-18 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: GA

Complaint narrative:
I am sending to formally dispute inaccurate information that appears on my credit report. After reviewing my file, I noticed discrepancies that do not accurately reflect my financial history and may be misleading. Under FCRA 1681i ( a ), I have the right to dispute and request a full reinvestigation of any information I believe to be incorrect or incomplete. I respectfully request that this matter be thoroughly reviewed and corrected to ensure the accuracy and fairness of my credit report.DEPTEDXXXX  XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$1900.00} DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$3200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
On Tuesday XX/XX/XXXX morning shortly after I got paid hours early I was fast sleep. When suddenly at exactly XXXX am while I sleep. Some random entity or person hacked my account and was able to get in my account under XXXX attempt, then proceeded to take all my money out my saving account and put my money in my checking account and from there they proceeded to send all my money out of my checking account to XXXX separate people XXXX XXXX, & XXXX XXXX a thrid name is mentioned XXXX XXXX but they didnt send any of my money to that account. This whole fraudulent activity happed on XXXX  morning XX/XX/XXXX between XXXX - XXXX while I was sleep! I woke up around XXXX approximately XXXX hrs later from being robbed and saw my email was loaded with emails from chime saying my account was newly logged into form a XXXX  XXXX named XXXX XXXX then I saw all the fraudulent transfers my account going to the XXXX mentioned identitys XXXX XXXX XXXX & XXXX XXXX of whom I do not know and obviously I never gave any one ever or these two my email or password. I never fell victim to any phishing scams or any frauds for this to actually take place. I saw XXXX last email from chime saying at XXXX that the email to my account was changed to ( ( ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) ) ) this is when i understand what had happened approximately XXXX hours ago when I was sleep and called chime. chime and I opened a dispute and they denied it, I opened a XXXX dispute with chime adding XXXX evidence pieces and they denied it also like the XXXX XXXX. As of now I have a XXXX dispute open adding XXXX more evidence pieces totaling to XXXX in hopes they know it wasnt me. So now I decided to file a complaint with you in hopes for a positive resolution to help me get back my hard earned money I was robbed of in my sleep in approximately XXXX mins I lost a total of {$2700.00} over XXXX total fraudulent transactions. I worked real hard for 5 months to receive this money and some random deity possibly or allegedly under chime hacked in my account and robbed all of it while chime denied my disputes!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: NC

Complaint narrative:
Since day XXXX I never signed up for the extra benefits for Acima and Im being charged so much interest and also if i get in touch with them to move or change a payment ahead of time they charge me different amounts extra {$10.00} or {$15.00} or what ever they want basically. And when making my own time payments they charge me just to make a payment. There were times I would get charge {$25.00} XXXX asked for what nobody could really give me a flat out answer I was told it was to start my lease which I made my initial down payment that started XXXX and I get charged a whole month later in XXXX why wasnt I charged that extra {$25.00} in XXXX soon as the product was delivered. This company is such a rip off and money grab for a XXXX inflatable water slide which was XXXX if not paid off in XXXX is goes up to XXXX when purchased but was on sale for like XXXX but with their interest and fees it went up to XXXX. Im so sick of this company would never recommend Acima leasing I did read before signed but none of these extra extra fees was mentioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 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: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
TD Auto Finance has violated the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), the Fair and Accurate Credit Transactions Act ( FACT Act ), and the Truth in Lending Act ( 15 U.S.C. 1601 et seq. ) by : Reporting derogatory or inaccurate information to consumer reporting agencies while the account is in formal dispute. 

Failing to provide lawful proof of assignment or transfer of the original Retail Installment Contract ( Account XXXX. XXXX ). 

Failing to provide a certified accounting of funds advanced and payments received after multiple written requests. 

Threatening credit reporting actions despite pending dispute and demand for validation, violating FCRA 623 ( a ) ( 3 ).

FCRA 623 ( a ) ( 3 ) prohibits furnishing information to a CRA when a dispute is pending.

FACT Act ( Pub. L. 108-159 ) ensures accuracy of credit data and requires timely correction.

TILA / Regulation Z ( 12 C.F.R. 1026 ) mandates clear, accurate disclosures and fair accounting.

FTC Holder Rule ( 16 C.F.R. 433.2 ) subjects TD Auto Finance, as holder, to all claims and defenses of the consumer. 


15 USC 6801 WITHOU MY CONSENT

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MN

Complaint narrative:
I previously filed written disputes with XXXX XXXX XXXX XXXX concerning several inaccurate and unverifiable accounts appearing on my credit reports. The disputed accounts include XXXX XXXX XXXX XXXX XXXX XXXX. {$32000.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX. {$880.00} ), XXXX XXXX XXXX, and XXXX XXXXXXXX XXXX 

Despite my disputes and follow-up requests for verification, these companies failed to provide any supporting documentation proving the debts are valid, assigned to them, or legally collectible. No signed contract, billing statements, or chain of assignment was ever produced. Yet the accounts continue to be reported to the credit bureaus, damaging my credit and violating my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ), 611 ( a ) ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ).

I am requesting the CFPBs assistance to compel deletion of these unverifiable accounts and to ensure all furnishers and credit bureaus comply with federal law regarding accuracy, validation, and consumer disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 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: AL

Complaint narrative:
I am filing this complaint because I am a victim of identity theft. Several fraudulent accounts and unauthorized inquiries have been reported on my XXXX  credit file by individuals using my stolen information. 

I have submitted a police report with the XXXX Police Department ( XXXX XXXX. XXXX ) confirming this crime. I have also mailed XXXX  a formal written dispute with supporting documentation, requesting deletion of fraudulent charged-off accounts and removal of unauthorized inquiries. 

Despite my compliance with FCRA 605B and 611, these items have not yet been deleted, and the continued reporting of this false information has caused substantial harm to my credit reputation and financial opportunities. 

I am asking the CFPB to compel XXXX  to : Block and delete all fraudulent accounts and inquiries. 

Provide written confirmation of the completed investigation. 

Ensure that no adverse data linked to the identity theft remains in my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
An item was purchased with my credit card on XX/XX/year> as an online order for XXXX XXXX not by me for a total of {$580.00}. I noticed the charge on XX/XX/year>, locked the credit card and immediately called Bank of America to report this fraud. On XX/XX/year> I received an email from Bank of America stating my claim was denied due to a recurrent charge and subscription. This was an incorrect close of this claim, this was not a recurrent charge or a subscription. Ive never had previous recurrent charges with XXXX XXXX before. I reached out to Bank of America XXXX  times on XX/XX/year> to reopen this claim as well filing a fraudulent claim with XXXX XXXX. When I called XXXX XXXX to request information on the purchase it was noted that the purchase was made as an online pick up order as a curb side pickup, when I asked XXXX XXXX if a signature and identification was provided for this pickup they could not provide me with assurance that identification and signature was provided despite it being their protocol for purchases. XXXX XXXX noted that the email that this purchase was made under was not my email address but XXXX similar to mine. Best Buys customer services also proceed to tell me I couldnt escalate this claim through them and that it would have to be directly with the store. Ive had to make multiple phone calls to XXXX XXXX and Bank of America to escalate a fraudulent charge of {$580.00}. I received no assurance that this claim was going to be reopened, approved or disputed. A police report with also be filed.

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 monetary relief
Consumer complaint received 2025-10-18 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: FISERV FINXACT CORE
State: TX

Complaint narrative:
CFPB Complaint Credit Reporting ( Inaccurate/Unverifiable Information ) Product : Credit reporting Issue : Incorrect information on your report Sub-issue : Information belongs to someone else / cant be verified / failure to investigate Company ( ies ) : XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 

XXXX  XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX. 

What happened? ( Narrative ) I am disputing multiple inaccuracies and unverifiable entries on my consumer reports. Over the last several months I sent written disputes ( with identity and address documents ) to the nationwide consumer reporting agencies listed above. My disputes identified specific items and requested correction or deletion under the Fair Credit Reporting Act ( FCRA ). 

Despite receiving my disputes, the agencies did not ( 1 ) reasonably investigate, ( 2 ) provide the method of verification, or ( 3 ) correct or delete items that remain inaccurate, incomplete, or unverifiable. Some items appear to have conflicting data across bureaus ( dates opened/last activity, balances, status comments ), suggesting data quality issues. In at least one instance, a previously removed item appears to have been reinserted without the required furnisher certification or 5-day notice. 

Key problems I reported directly to the CRAs : Cross-bureau inconsistencies ( different dates, balances, status codes for the same tradeline ). 

Unverifiable collections lacking proof of the original creditors ledger, chain-of-assignment, or clear Date of First Delinquency ( DOFD ). 

Hard inquiries where I have no record of authorizing a pull ; I requested the permissible-purpose code and signed authorization and did not receive them. 

Personal-information errors ( name/address/employer variants ) that I asked to be removed per XXXX XXXX XXXX XXXX hygiene. 

Potential improper reinsertion without the 611 ( a ) ( 5 ) ( B ) certification/notice.

Why this matters : These errors are harming my creditworthiness and causing material risk of denial or worse terms. Under FCRA 607 ( b ), 609 ( a ), 611, and ( if applicable ) 605B, the CRAs and furnishers must ensure maximum possible accuracy, conduct reasonable reinvestigations, provide the method of verification upon request, and block identity-theft information where appropriate.

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 2025-10-18 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: National Consumer Telecom & Utilities Exchange, Inc.
State: TX

Complaint narrative:
CFPB Complaint Credit Reporting ( Inaccurate/Unverifiable Information ) Product : Credit reporting Issue : Incorrect information on your report Sub-issue : Information belongs to someone else / cant be verified / failure to investigate Company ( ies ) : XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

What happened? ( Narrative ) I am disputing multiple inaccuracies and unverifiable entries on my consumer reports. Over the last several months I sent written disputes ( with identity and address documents ) to the nationwide consumer reporting agencies listed above. My disputes identified specific items and requested correction or deletion under the Fair Credit Reporting Act ( FCRA ). 

Despite receiving my disputes, the agencies did not ( 1 ) reasonably investigate, ( 2 ) provide the method of verification, or ( 3 ) correct or delete items that remain inaccurate, incomplete, or unverifiable. Some items appear to have conflicting data across bureaus ( dates opened/last activity, balances, status comments ), suggesting data quality issues. In at least one instance, a previously removed item appears to have been reinserted without the required furnisher certification or 5-day notice. 

Key problems I reported directly to the CRAs : Cross-bureau inconsistencies ( different dates, balances, status codes for the same tradeline ). 

Unverifiable collections lacking proof of the original creditors ledger, chain-of-assignment, or clear Date of First Delinquency ( DOFD ). 

Hard inquiries where I have no record of authorizing a pull ; I requested the permissible-purpose code and signed authorization and did not receive them. 

Personal-information errors ( name/address/employer variants ) that I asked to be removed per XXXX XXXX XXXX XXXX hygiene. 

Potential improper reinsertion without the 611 ( a ) ( 5 ) ( B ) certification/notice. 

Why this matters : These errors are harming my creditworthiness and causing material risk of denial or worse terms. Under FCRA 607 ( b ), 609 ( a ), 611, and ( if applicable ) 605B, the CRAs and furnishers must ensure maximum possible accuracy, conduct reasonable reinvestigations, provide the method of verification upon request, and block identity-theft information where appropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I find it very unfortunate that Equifax has ignored my requests and doesnt seem to care about the consumer. I submitted a complaint to Equifax and they completely IGNORED IT. I am a victim of Identity theft and I have attached a FTC Identity theft Affidavit. I regularly check my credit reports these last few months and my scores due to pressing needs of me and my entire family. I have been reaching out to Equifax regarding items I believe to be inaccurate and unlawful to post about me. This has caused me a lot of XXXX and anxiety which I have been getting treatment for and along with this I recently suffered an event that has caused severe XXXX. This has caused me to take time away from work and I have been trying to find a new home that takes me away from the area that can possibly trigger my XXXX. However again due to the derogatory items being reported about me damaging me, I have been unable to obtain new lodging in a safer community for me and my family. I have previously reached out to CFPB regarding this as Equifax being one of the important Credit Reporting Agencies in my region just about all lenders seem to use them to verify my financial worthiness. Also if this is indeed the way that Equifax operates then I would imagine that other people in this country experience the same outcome when they dispute with them as well. I have researched and talked with others and I can not seem to find anything supporting this occurrence. I have reached out to Equifax about this multiple times calling their call center where I can not seem to get reliable help regarding this situation and most times my calls end with their representatives hanging up on me and not calling back until days later from an unavailable number and not leaving a direct line for me to reach back to the representative that I would hope is from a higher level of representation. So to all of this then please explain the errors and false misleading information on my report and the exact process being used to verify them as I honestly believe that they are illegally being reported to begin with and if they are removed as they should per law then I have no reason to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX hard inquiries were placed on my Experian credit report without my authorization. XXXX inquiries are from XXXX  XXXX XXXX ( dated XX/XX/XXXX and XX/XX/XXXX ), and XXXX is from XXXX ( dated XX/XX/XXXX ). I did not apply for or authorize a credit check from either institution on these dates. I request an investigation into these unauthorized inquiries and their subsequent removal from my credit report, as this may indicate attempted identity theft.

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