vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$18000.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5800.00} XXXX  XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5300.00XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-04 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: CA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Onset Financial, Inc.
State: IL

Complaint narrative:
Violations Against XXXX XXXX / XXXX XXXX XXXX ( XXXX ) : Channel Partners Capital , LLC XXXX XXXX XXXX XXXX  ( XXXX XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) Violations Summary Fraudulent Inducement / Misrepresentation Trio Capital financed equipment through International Coolers, represented as new, fully functional walk-in cooler equipment. 

What was delivered consisted of used, broken, and incomplete panels, with no compressor, motor, or instructions.

This constitutes fraudulent inducement and deceptive practices under 15 U.S.C. 45 ( FTC Act, Unfair & Deceptive Acts or Practices ).

Failure of Consideration The finance obligation is based on delivery of functioning equipment.

Since no working system was delivered, there was a total failure of consideration. 

XXXX XXXX is attempting to collect on a loan for equipment that was never delivered as promised, in violation of state contract law and CFPB standards against unfair collection. 

FTC Holder Rule Violation ( 16 C.F.R. 433 ) The Holder Rule requires that any assignee or finance company is subject to the same claims and defenses the buyer can assert against the seller.

Defendant ( myself ) has valid claims of fraud, misrepresentation, and failure of delivery against the seller ( XXXX XXXX ). 

XXXX XXXX has ignored these defenses and continues to enforce payment, in direct violation of the Holder Rule.

Unfair Collection Practices XXXX XXXX pursued and obtained a judgment despite clear evidence of fraud and defective goods.

This conduct constitutes unfair, deceptive, and abusive acts and practices ( UDAAP ) under the Dodd-Frank Act, 12 U.S.C. 55315536.

Improper Service/ Due Process Concerns XXXX XXXX failed to ensure I was properly notified ( served ) of the original lawsuit.

Judgment was entered without proper notice, denying me the opportunity to rebut the claims.

This raises due process violations and undermines the legitimacy of the judgment.

Harm to Consumer I have been left with damaged, incomplete, and useless equipment, while XXXX XXXX continues to demand payment.

The judgment places me at risk of garnishment, bank levies, and seizure of assets for a fraudulent transaction. 

The financial and emotional harm is substantial, stemming directly from XXXX XXXX refusal to honor the Holder Rule and its duty to act fairly in consumer finance transactions.

Requested Relief Investigate XXXX XXXX and XXXX XXXX for violations of the FTC Holder Rule and CFPB consumer protection laws.

Vacate or reverse enforcement of any judgment obtained through misrepresentation and fraud. 

Require XXXX XXXX to cease all collection efforts on this fraudulent account. 

Ensure that XXXX XXXX implements compliance measures to prevent financing of fraudulent vendors in the future.

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 2025-09-04 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: GA

Complaint narrative:
These accounts are being reported on my credit file without proper validation. I believe my personal information may have been compromised in a data breach, which has resulted in inaccurate and unauthorized accounts being added to my credit report. Under 15 USC 1692g, debt collectors must cease collection until the debt is properly validated. I am requesting removal of these accounts as they have not been verified and may be linked to fraudulent activity. 



XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1692g Validation of debts, the debt collector must cease collection of any alleged debt owned until verification of the alleged debt or copy of a judgement or the name and the address of the original creditor. - Remove it from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - 15 USC 1692g Validation of debts, the debt collector must cease collection of any alleged debt owned until verification of the alleged debt or copy of a judgement or the name and the address of the original creditor. - Remove it from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - 15 USC 1692g Validation of debts, the debt collector must cease collection of any alleged debt owned until verification of the alleged debt or copy of a judgement or the name and the address of the original creditor. - Remove it from my credit report. 

XXXX Original Creditor XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - 15 USC 1692g Validation of debts, the debt collector must cease collection of any alleged debt owned until verification of the alleged debt or copy of a judgement or the name and the address of the original creditor. - Remove it from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - 15 USC 1692g Validation of debts, the debt collector must cease collection of any alleged debt owned until verification of the alleged debt or copy of a judgement or the name and the address of the original creditor. - Remove it from my credit report. 

XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX  - 15 USC 1692g Validation of debts, the debt collector must cease collection of any alleged debt owned until verification of the alleged debt or copy of a judgement or the name and the address of the original creditor. - Remove it 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 non-monetary relief
Consumer complaint received 2025-09-04 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: PA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: MS

Complaint narrative:
Dear CFPB, I am filing a formal complaint against Experian, Equifax, or TransUnion regarding their handling of my Round 2 credit dispute.

I submitted a dispute regarding inaccurate information being reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), the bureau is required to conduct a reasonable investigation and either verify, delete, or correct the information within 30 days.

Instead of providing proof of validation or documentation from the furnisher, the bureau responded that the account was verified but did not supply evidence supporting this conclusion. This constitutes a failure to comply with FCRA 611 ( 15 U.S.C. 1681i ). 

The disputed item ( XXXX ) are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reporting inaccurately as Late XXXX XXXX XXXX XXXX XXXX XXXX Reporting inaccurately as Collection/Chargeoff

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: TX

Complaint narrative:
I received a transfer into my CHIME banking account in the amount of {$450.00} on XX/XX/year> in which I was not the intended recipient as the funds were sent to me in error. CHIME offers a XXXX XXXX  in which funds can be advanced in between pay days and automatically repaid with a qualifying direct deposit via the company 's payroll. I had an outstanding advance that was due to be repaid with my payroll deposit. However, CHIME 's system automatically repaid the deposit with funds that was transferred to me in error in which this is not the normal process for repayment. When the sender contacted me and told me to transfer the funds back as they were sent to me in error, CHIME had already taken the funds and repaid a loan advance on my behalf using the funds that was not intended for me. I contacted CHIME on XX/XX/year> in which I stayed on the line for over 1 hour and 30 mins in which the situation still was not resolved. I was transferred repeatedly from representative to representative when I specifically requested a supervisor or manager at the beginning of the call in which front line representatives did not adhere to my request. When I finally was able to talk to a supervisor, I asked to have the transaction reversed or cancelled and to send the recipient the funds back to their account. The supervisor told me that there was nothing that can be done. As a banking employee, I understand that CHIME is not a traditional bank and rather functions as a XXXX company. However, I informed the supervisor that during my time in banking and including management, that I understand that everything is reversible. The supervisor informed me that they can not reverse the transaction. I informed the supervisor that if CHIME is functioning as a bank, there should be some controls and testing procedures in place in the event that systematic issues are present, where a live human representative should be able to intervene and correct the problem according to federal and government regulations. I informed the supervisor that it is a violation of government, federal, and financial regulations for not having any controls in place and also not being able to help the consumer and express empathy. I was not able to get my issue resolved and I was not able to have the transaction reversed or the recipient was able to receive the funds back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: AR

Complaint narrative:
To whom this may concern, I am writing to request unauthorized credit inquiries on my TRANSUNION Credit Report. My latest credit report shows 1 credit inquiry that I did not authorize.

I am writing to dispute the following inquiry and asking for their removal from my credit report. 

INQUIRY ACCOUNT NAME : XXXX  DATE : XX/XX/year> Please have this inquiry removed from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved.

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 2025-09-04 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: CA

Complaint narrative:
I am writing to dispute a late payment currently reported on my credit report. My payment records confirm that all payments were made on time, and the reported delinquency is therefore inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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.

Negligence of this law within the FCRA activates your company to be liable for damages sited in 15 USC 1681n and 15 USC 1681o. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-04 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: OH

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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.

Negligence of this law within the FCRA activates your company to be liable for damages sited in 15 USC 1681n and 15 USC 1681o. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Bridgecrest Acceptance Corporation
State: OH

Complaint narrative:
Hello, I am filing a complaint against Bridgecrest Credit Company LLC just to determine when my claim will be finalized. On XX/XX/XXXX, I filed a claim with XXXX XXXX as my vehicle was totaled in an accident. The vehicle was inspected and deemed to be a total loss. Additionally, a check was provided to Bridgecrest from XXXX at the end of XXXX or early XXXX ( I do not have an exact date ). I followed up multiple times with XXXX and Bridgecrest to have this information reviewed. With this in mind, the loan payoff information was provided as indicated above and I advised Bridgecrest to turn off my automatic payments as all that was left was the XXXX  claim that needed to be supplied. This was at the beginning of XXXX, I just followed up today the first week of XXXX and I was advised they are still processing the XXXX claim? They have had over a month to process this XXXX claim and have not done so. They have the XXXX dollar amount on the account for the XXXX payment but they have not processed it yet? The issue came up when I followed up on this as I apparently missed a payment for XXXX due to the fact they have not processed it and it seems like I am on track to miss XXXX if this is not processed? Could someone look into this when they have a moment? Thank you again. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have a regular interest account and a promotional no interest account with synchrony bank, a Lowes card. When I make a payment I call to let them know how to allocate the funds to each part of my account interest and non interest. Their website is very deceiving. It does not show up to date balances on each, it uses the same account number for both. I recently made a large return that the purchase was initially made on using the regular interest side of my account and they applied at their discretion a portion to go to my deferred promotional side. I called to have that fixed and they applied it incorrectly. I then paid that balance off because it was just too big of a hassle To call and get it fixed so I just made a payment to pay the regular interest balance off. I call to check to make sure it was paid off correctly and now that Balance is more. Their website has no transparency and they are practicing illegal business practices. I agained called them to get this fixed.

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 2025-09-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DIRECMANAGEMENT, INC.
State: AL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy of a collection account currently listed on my credit report. The account in question is reported by Direc Management Inc with an original creditor listed as XXXX XXXX XXXX, for a balance of {$1900.00}, opened on XX/XX/year>. 

I have no knowledge of this debt and have never received any bills, notices, or communication related to this account. I believe this account may have been reported in error or could be the result of mistaken identity or inaccurate billing. 

I respectfully request the following : Immediate removal of this collection from my credit report if it can not be verified as accurate. 

Validation of the debt, including all supporting documentation that proves this debt belongs to me. 

As required under the Fair Credit Reporting Act ( FCRA ), please investigate this matter and provide a response in writing within 30 days of receiving this dispute. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief