vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 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: FL

Complaint narrative:
I discovered that inaccurate information is being reported on my Equifax credit report regarding an account from XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX. Equifax claims the information has been verified as accurate, but their payment history is inconsistent with the actual account activity and contradicts what is shown on my Experian and XXXX credit reports, look at the screenshots which start with XXXX day late payments but no XXXX day, how is that possible? Which leads me to believe the information is erroneous. 

I have already disputed the information, but Equifax continues to report false dataincluding late payments that are not supported by any billing cycle, last payment date, or balance records. This raises serious concerns about the legitimacy and integrity of their verification process. 

I also received confirmation that my personal information was compromised in the Equifax data breach, which further compromises the reliability of their records. I believe these reporting errors may stem from the mishandling or manipulation of my data due to the breach or internal procedural failures. 

Compliance Violations : Equifax is currently in violation of : 15 U.S.C. 1681e ( b ) for failing to maintain maximum possible accuracy, 15 U.S.C. 1681i ( a ) for conducting an inadequate reinvestigation, 15 U.S.C. 1681s-2 ( b ) if the furnisher ( XXXX ) and XXXX XXXX XXXX XXXX XXXX this information despite knowing it to be false.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CA

Complaint narrative:
I deposited a check via Chimes mobile app on XX/XX/year>, for {$1200.00}. Despite the check being accepted and verified, I was told the funds would not be available until XX/XX/XXXX at XXXX XXXXthe very last minute of the XXXX business day. 

I reached out multiple times asking for clarification, and Chime repeatedly responded with vague answers such as risk-based factors without providing any specifics or a valid reason for the delay. 

This delay disrupted my financial plans, and I was given no clear justification for the hold despite having a clean account history. Chime also refused to escalate or expedite the release of my funds. 

Im filing this complaint because Chime has offered no transparency or accountability, and I want this issue documented and reviewed to prevent it from happening to others.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: SC

Complaint narrative:
TransUnion, Experian, Equifax is inaccurately reporting XXXX XXXX XXXX XXXX as a personal alias or associated name under my Social Security Number. 

This is a separate legal entity not my personal identity and it was never authorized to be connected to my consumer credit profile. This trust has its own XXXX, governing structure, and exists independently from my personal legal name. 

I did not sign any documentation authorizing this trust name to be listed as a personal alias, nor did I give consent to XXXX or any other company to furnish that information to my consumer report. 

This false alias association creates legal confusion, exposes me to liability, and violates FCRA Section 607 ( b ), which requires credit reporting agencies to maintain accurate identity records. 

I already submitted disputes and am requesting a full correction and reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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 against XXXX for failure to comply with the Fair Credit Reporting Act ( FCRA ) and FTC identity theft provisions. 
On [ XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. ], I submitted to Experian an identity theft report along with my government-issued ID and Social Security XXXX XXXX These documents clearly show that certain accounts on my credit report were the result of identity theft. 
Despite providing all required documentation, XXXX  declined to remove or block these fraudulent accounts. This is a direct violation of my rights under the FCRA ( 15 U.S.C. 1681c-2 ), which requires a credit reporting agency to block fraudulent information within four business days of receiving : 1. Proof of identity ; 2. A copy of an identity theft report ; 3. Identification of the fraudulent accounts ; and XXXX. A statement that the information does not relate to any transaction I made. 
XXXX refusal to act has caused ongoing harm, including inaccurate negative information remaining on my credit report, damage to my credit score, and emotional distress. 
I have attached my original identity theft report, proof of ID and SSN, and copies of my communications with Experian to show that I complied with all legal requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am filing this complaint to report that a debt collector has continued to contact me despite my written request for them to cease all communication in accordance with the Fair Debt Collection Practices Act. 

I sent a letter, explicitly requesting that they cease and desist all communication with me about this debt, citing my rights under FDCPA. 

Despite my legally enforceable request this Debt Collector has continued to contact me after receiving the letter, via phone and letter which is prohibited.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am submitting this report to dispute inaccuracies on my credit report. Equifax has acknowledged a system failure that led to my personal information being compromised and misused. Ive encountered credit denials because of this, and XXXX requesting that it be resolved within XXXX business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
perse XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX the XXXX emphasizing that credit report agencies have to investigate disputes promply and with due dilligence.Iam requesting you investigate the matter and correct and remove allinaccurate imformation from my credit report. i have inclosed relevant documents to support my dispute-ftc report XXXX plice report case # XXXX confirm receit of this letter and imform me of the results as soon as possible.thanks for your immedite attension for this matter.sincerily XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I visited a car dealership XXXX XXXX in [ XXXXXXXX XXXX  ] in late XXXX to look at vehicles. I did not request or apply for financing, and I was not informed that a credit check would be performed. Despite this, the dealership submitted my personal information to several lenders without my permission. 

As a result, multiple unauthorized hard inquiries appeared on my credit report, including one from Ally Financial dated XX/XX/year>, reported by XXXX I never gave written or verbal consent for this inquiries. 

I contacted the dealership and requested a resolution, but they did not take any action. These inquiries are negatively affecting my credit score even though I never applied for credit. 

I am requesting the removal of these unauthorized inquiries and a formal investigation into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Immediately delete the repossession account reported by XXXX  XXXX XXXX ( Account Number : XXXX ) from my credit report. 

Require the creditor to submit full documentation validating the repossession, including : Notice of default and right to cure, Proof of repossession, Notice of sale and sale details, Accurate accounting of any deficiency balance. 

If the creditor can not provide these documents, Equifax must permanently remove the repossession as required under FCRA 1681i ( a ).

Send me written confirmation of the deletion and provide an updated copy of my credit report within 15 business days. 

If Equifax or the creditor can not lawfully validate the repossession, the entry should be removed entirely to ensure fair and accurate reporting as required by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: TrueAccord Corp.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Email : XXXX Phone : XXXX Date : XX/XX/year> To : Legal Department XXXX XXXX. 
XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, CA XXXX Subject : Formal Dispute of Alleged Debt and Unauthorized Disclosure of Personal Information To Whom It May Concern, This letter serves as a formal dispute of any alleged debt claimed by XXXX XXXX or any third party acting on your behalf. I have not entered into any binding contract, signed agreement, or authorized any services that would result in a debt with your company. I therefore request immediate verification and proof of this alleged obligation. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, you are required to provide written verification of any debt being collected. If no contract or valid documentation with my signature exists, this matter must be closed, and all attempts to collect or report this debt must cease immediately. 

In addition, I am demanding full transparency regarding any disclosure of my personal information to third parties. Under the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 68016827, it is unlawful to share nonpublic personal information with non-affiliated third parties without the explicit consent of the individual. If my information has been disclosed or shared in violation of this law, XXXX XXXX may be subject to legal penalties.

I demand the following actions be taken within 15 days of receipt of this notice : 1.Provide written verification and all documentation of the alleged debt.

2.Cease all collection activity until such validation is provided.

3.Provide a written statement confirming whether my personal information has been shared, and if so, with whom, and under what authority.

4.Remove and clear any mention or report of this debt from all records, including third-party databases or credit reporting agencies. 

If this matter is not resolved in full within 15 days, I will take legal action and file formal complaints with the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) for violations of federal law. 

This dispute is issued in good faith and should be handled with the urgency and seriousness it requires. 

Respectfully, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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:
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 non-monetary relief
Consumer complaint received 2025-07-16 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: KS

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
XXXX. Wells Fargo. 
a. Hard credit inquiry into my credit scorXXXX. This occurred on XX/XX/year>. 
b. The company took no action. 

XXXX XXXX XXXX XXXX XXXX. 
a. Hard credit inquiry into my credit score. This occurred on XX/XX/year>. 
b. The company took no action. 

XXXX. XXXX a. Hard credit inquiry into my credit score. This occurred on XX/XX/year>. 
b. The company took no action.

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 2025-07-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX. XXXX XXXX. 
a. Hard credit inquiry into my credit score. This occurred on XX/XX/year>. 
b. The company took no action. 

XXXX XXXX XXXX Capital One. 
a. Hard credit inquiry into my credit score. This occurred on XX/XX/year>. 
b. The company took no action. 

XXXX. XXXX a. Hard credit inquiry into my credit score. This occurred on XX/XX/year>. 
b. The company took no action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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:
It has come to my attention that my personal information has been exposed in a national data breach. After Reviewing my credit reports, I noticed some accounts I am unfamiliar with. I have asked the Credit Reporting Agencies for validation or debt, however, the information has not been provided Due to my information being exposed, I have submitted a FTC complaint reporting the information i am not familiar with Please find attached a copy of My ID, The FTC complaint, a copy of the XXXX report showing my information being exposed in a national data breach and a Validation of debt Letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Under federal consumer protection laws, I have the right to accurate and verified information in my credit file. A recent inquiry has appeared which I did not authorize and which I dispute entirely.

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 2025-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC.
State: WA

Complaint narrative:
Hi Guys - This is in regards to my Robinhood account. I'm trying to get them to forward the remaining balance in my account {$100.00}.

This is money they would have just kept if I hadn't reopened a 2nd account and found my money that I requested to be sent to me from my 1st account and they never did. Now I'm going through round 2 of obtain my funds.

They sent me a form to fill out and upload to their portal, which I did and fill out the only way I can, by stylist which I opted over my finger. Their 1st response was that they can't read it. So I sent in a 2nd, 3rd, 4th, now they are saying the writing is to big. I said but you can read it right???

Please help me!!! This is the 2nd time they have tried to take ownership over my funds. Luckily I was able to transfer the majority.

Thank you for your help and support. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-07-15 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: NC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief