vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-18 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
To Whomever This May concern, I found a mistake on my credit report. I am writing to delete the following information in my file. According to 15 USC 1681e ( b ), this charge-off isnt reported correctly. Heres whats wrong : I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I need these accounts removed. Please fix this error. As well as the following inquiries below. Please delete the items as soon as possible. My name and only name is XXXX XXXX XXXX XX/XX/XXXX. My only phone number is ( XXXX ) XXXX and the only current address is XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX. 

Thanks, Items in Need of Deletion : Collections/ Charge offs 1. Account name : XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$2500.00} Inquiries Account name : XXXX XXXX  Account Opened : XX/XX/XXXX Account name : XXXX XXXX  Account Opened : XX/XX/XXXX XXXX name : XXXX XXXX  Account Opened : XX/XX/XXXX XXXX name : XXXX  Account XXXX XXXX name : XXXX XXXX  Account XXXX XXXX name : XXXX XXXX Account Opened : XX/XX/XXXX XXXX name : XXXX Account XXXX XXXX name : XXXX  Account Opened : XX/XX/XXXX XXXX name : XXXX XXXX Amount Opened : XX/XX/XXXX XXXX name : XXXX XXXX XXXX Amount Opened : XX/XX/XXXX XXXX name : XXXX Amount Opened : XX/XX/XXXX XXXX name : XXXX Amount Opened : XX/XX/XXXX XXXX name : XXXX XXXX XXXX Amount Opened : XX/XX/XXXX XXXX name : XXXX XXXX Amount Opened : XX/XX/XXXX XXXX name : XXXX XXXX Amount 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 explanation
Consumer complaint received 2025-04-18 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: DC

Complaint narrative:
To Whomever This May concern, I found a mistake on my credit report. I am writing to delete the following information in my file. According to 15 USC 1681e ( b ), this charge-off isnt reported correctly. Heres whats wrong : I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I need these accounts removed. Please fix this error. As well as the following inquiries below. Please delete the items as soon as possible. My name and only name is XXXX XXXX XXXX XX/XX/XXXX. My only phone number is ( XXXX ) XXXX and the only current address is XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX. 

Thanks, Items in Need of Deletion : Collections/ Charge offs 1. Account name : XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$2500.00} Inquiries Account name : XXXX XXXX  Account Opened : XX/XX/XXXX Account name : XXXX XXXX  Account Opened : XX/XX/XXXX XXXX name : XXXX XXXX  Account Opened : XX/XX/XXXX XXXX name : XXXX  Account XXXX XXXX name : XXXX XXXX  Account XXXX XXXX name : XXXX XXXX Account Opened : XX/XX/XXXX XXXX name : XXXX Account XXXX XXXX name : XXXX  Account Opened : XX/XX/XXXX XXXX name : XXXX XXXX Amount Opened : XX/XX/XXXX XXXX name : XXXX XXXX XXXX Amount Opened : XX/XX/XXXX XXXX name : XXXX Amount Opened : XX/XX/XXXX XXXX name : XXXX Amount Opened : XX/XX/XXXX XXXX name : XXXX XXXX XXXX Amount Opened : XX/XX/XXXX XXXX name : XXXX XXXX Amount Opened : XX/XX/XXXX XXXX name : XXXX XXXX Amount Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: RI

Complaint narrative:
On Tuesday the XXXX of XXXX at around XXXX I received a text asking if I made a certain transaction with my debit card ( chime bank ) I replied no, I immediately got a reply saying that a customer service representative from the chime fraud department would call me. I got a call while I was at work, the man on the phone explained to me that someone was actively trying to use my chime debit card and in order to block that out I would have to transfer my money into a different routing account they were creating, so I lost {$2900.00} of my money that I had just gotten paid that afternoon. Two days prior I had also gotten a phone call from the same department stating that someone was using my card at XXXX, I replied that I did not do that transaction, they asked if I was getting any large sum anytime soon jut so they dont have that blocked I explained that I was getting my check soon and thats how i got scammed. I lost my whole with scammers pretending to be from chime department. I am livid and distraught. It is a XXXX number. I guess this has been happening a lot. Also got no help from chime bank, since I was the one who made the transaction they cant help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning 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 non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Viking Client Services
State: FL

Complaint narrative:
To whom it may concern, I am writing to file a formal complaint against The XXXX XXXX and its affiliated collection agency Viking Client Services, regarding an ongoing issue related to Claim # XXXX for a vehicle accident that occurred on XX/XX/XXXX, involving a rental vehicle I was driving. 

Summary of the Incident : On the date mentioned above, I was driving a XXXX rental vehicle on the Florida XXXX when a semi-truck performed an illegal U-turn, completely blocking all lanes of traffic. In an effort to avoid a deadly collision, I swerved and struck the guardrail. 

I immediately filed a police report and fully cooperated with XXXX throughout the claims process. The Florida XXXX XXXX XXXX Report ( # XXXX ) clearly establishes that I was not at fault. The report attributes fault to the truck driver for the illegal maneuver. 

Identification of Third Party : After significant effort, I was able to identify the third-party vehicle and responsible companies, with official documentation from the XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX The vehicle is a XXXX XXXX XXXX diesel tractor, XXXX plate XXXX, XXXX XXXX. The responsible companies are : XXXX. XXXX XXXX XXXX ( Lessee ) XXXX XXXX XXXX, XXXX, ON XXXX XXXX Email : XXXX | Phone : XXXX ( XXXX ) XXXX XXXX. XXXX XXXX XXXX XXXX ( Owner ) XXXX XXXX XXXX, XXXX, ON XXXX XXXX Despite providing all of this proof and requesting that XXXX pursue the proper responsible parties, I have now been contacted by Viking Client Services, a debt collection agency, attempting to recover charges from me personally. 

Why This Is a Problem : I was not responsible for the accident. 

I have submitted all required and supporting documentation to XXXX, showing the real liable parties. 

Instead of pursuing those parties, XXXX is now wrongfully pursuing me for payment, causing unnecessary stress, reputational harm, and financial pressure. 

This collection attempt is unjust, and I believe it violates consumer protection standards, especially considering I have acted in good faith at every step. 


Thank you for your assistance in resolving this matter fairly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: MS

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 explanation
Consumer complaint received 2025-04-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have attempted online and by phone to remove all inaccurate outdated and or incomplete information listed as my personal information on my consumer report It's so difficult and extremely frustrating. I am certain that this process should be simple for consumers to update personal information. Personal Information should be more limited because it's easier to steal someone's identity if their entire life story is accessible...

Especially since all recent data breaches are done by accessing information from data furnishers and " consumer credit bureaus ''. I would only like my current, accurate and complete address, phone and employers listed, no outdated incorrect information.

I've found dozens of phone numbers that actually were never mine or extremely old, beyond XXXX  years. The same for old addresses from different states. I can only inhabit one home at a time and I only have access to one phone number. Please remove all outdated, incorrect and incomplete information.

According to the FCRA, this is an extremely reasonable request. Thank you!

U.S. Code 15 U.S.C. 1681s-2 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

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 2025-04-18 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: Experian Information Solutions 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 explanation
Consumer complaint received 2025-04-18 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: 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 explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I noticed a collection account from a telecommunications company reported by all three credit bureaus. The account was opened around XX/XX/XXXX and shows a balance of {$210.00}. The last activity appears between XXXX and XX/XX/XXXX, depending on the bureau. I do not recall receiving proper notice of this debt, and I was not contacted before it was reported. I disputed the account previously, but it still appears as derogatory. I believe the account may be inaccurate or time-barred under XXXX XXXX statute of limitations. Im requesting its removal to ensure my report is fair and accurate.

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 2025-04-18 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: EQUIFAX, INC.
State: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I opened a TD checking and savings account a few weeks ago online. ( Exact date unknown ). Set up direct deposit with my employer into this account. I received direct deposit on XX/XX/XXXX and went to TD branch around XXXX this day for a debit card. The employee have me a list of charged off accounts : {$2200.00} charged off XX/XX/XXXX {$660.00} charged off XX/XX/XXXX Along with a phone number to call and set up payment arrangements. While doing so, I noticed TD took my entire check of {$1700.00}. The only thing they could offer me was a payment arrangement of {$41.00} every other week for the next 6 months which I completely agree to. The only issue is I want to have the charge off reversed if possible, even only half of it and the other towards my debt. 

Ive recently left an abusive relationship with XXXX kids, just moved into our own house not even XXXX months ago. I am currently struggling to catch up but making it work. I am behind on my car note, my car insurance, a couple bills, and XXXX is this weekend. I am 100 % in agreement that I owe the debt and will remain at td so they receive the direct deposits and guaranteeing the payment arrangement to be paid. I just am really having financial hardships right now and can not afford an entire check of {$1700.00} taken away. That is literally the only money I had until my next paycheck.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was scammed out of XXXX from fraud tax preparer. I have all the proof.

Tax preparer needed money for fee before submitting. Sent the money and they dissapeared. 

Please see all pictures attached. 

Let me know if you need screen caps from my mom 's phone showing ignored calls and texts after I sent the money. 

The scam : This person took XXXX weeks to do my taxes pushing me all the way to the deadline. Days prior to deadline they know you have very little options, so then they ask for the fee money before submitting. You pay the fee money ( XXXX ) then they dissappear. 

Please see all proof that I have and notice : It took XXXX weeks from this person, and days before deadline they asked for payment. 

Payment was sent and then days later they are still asking questions. Then they stopped responding altogether.

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 2025-04-18 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: FL

Complaint narrative:
The account was charged off and sold, with a {$0.00} balance, meaning you no longer owe the original creditor. 
Since the last activity and payment were in 2019, and Im in Florida, this account is time-barred under the 4-year statute of limitations for open accounts. 
Reporting it with a {$0.00} balance and derogatory status may be unnecessarily negative and potentially impacting my credit score.

Company response to consumer: Closed with explanation