vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section XXXX. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section XXXX. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section XXXX. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section XXXX. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ONLINE Information Services, Inc.
State: GA

Complaint narrative:
This company is violating my rights and failed to validate my information under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently. I have made several attempts to fix this issue with them, and my rights are being violated. I'm entitled to {$1000.00} for every violation listed. This company needs to either pay me or delete this account immediately. Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Chime Financial Inc
State: NJ

Complaint narrative:
On XX/XX/XXXX 2025, I received two ( 2 ) emails stating that a Credit card was on the way and that a Debit card was on my way too. Both emails came from a Chime, a verified source, and asked me to confirm my address as well as log-in to check my digital cards. Soon after I called Chime support and got the account that was using my credentials terminated. However, this is a serious breach of personal security as I did not open any of these accounts nor requested debit or credit cards. I request more information about how this came to be and how these accounts were opened without my consent. 
On XX/XX/XXXX I called Chime again to request more information about my case. I was told to upload more information and confirm my details, then I was sent two ( 2 ) documents : A bank statement and a XXXX  ( customer info ) XXXX  XXXX. There is no information about how the account was opened at all, and there is nothing else they can do as per 3 of the different fraud analysts I talked to. I was told to file a police report. Thats it.

They did not take accountability for letting people open bank accounts in other names, or even them as a company opening it without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: LA

Complaint narrative:
This is my third written request demanding the removal of the unauthorized account reported by XXXX XXXX from my credit file. I have already submitted disputes within the last 60 days, yet this inaccurate information remains.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, credit reporting agencies are required to ensure maximum possible accuracy of the information they report. By continuing to report an unauthorized and unverified account, you are in violation of : FCRA 602 ( 15 U.S.C. 1681e ( b ) ) requiring credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy.

FCRA 611 ( 15 U.S.C. 1681i ) requiring agencies to conduct a proper reinvestigation of disputed information within 30 days.

FCRA 616617 ( 15 U.S.C. 1681n, 1681o ) providing for civil liability for willful or negligent noncompliance. 

The XXXX account is unauthorized and unknown to me. To date, you have failed to provide me with any documentation or signed contract bearing my authorization for this account. If you continue to report this inaccurate item without producing lawful proof of authorization, you are willfully violating the FCRA.

I hereby demand immediate deletion of this account from my credit file across all reporting systems. If this item is not deleted within the 30-day statutory window from the receipt of this letter, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office , and will consider legal action for damages under FCRA 616617 . 

This is my final notice. I expect written confirmation of deletion. 

Respectfully, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: IN

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 explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Nationwide Credit Corporation
State: VA

Complaint narrative:
The name of the company is Nationwide Credit Corporation and their phone number is XXXX, this is their address : XXXX XXXX XXXX, XXXX XXXX XXXX, Virginia XXXX. 

They've called numerous times and sent letters stating that they are part of the XXXX XXXX government and they are taking me to court for unpaid county tax.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-08-21 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: MO

Complaint narrative:
There are errors on my credit report. The account status for XXXX XXXX XXXX is being listed as open on Transunion, closed on Experian, and it's not listed at all under Equifax. The dates of last activity are different as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am very frustrated and disappointed to find that unauthorized inquiries are still listed on my credit report. Refreshing my browser changed nothing. This matter must be resolved right away, and I expect the documents Ive sent to be carefully checked so I can have peace of mind.

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 2025-08-21 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: CA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
Ive contacted affirm 3 times in little over a year. After a failed attempt to use their service I was notified I had a previous account I never opened. After calling them 3 times they tell me they will have someone call me back over and over. I spoke to a supervisor whose name was. XXXX customer service supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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:
The fair resolution is the permanent deletion and blocking of all fraudulent accounts and unauthorized inquiries listed in my complaint, as required under FCRA and related federal laws. I expect a corrected and updated credit report, along with written confirmation that these items have been removed. This must be completed within the legally required timeframe.

If this resolution is not provided, I will have no choice but to escalate by filing formal complaints with the CFPB, FTC, XXXX, and the Attorneys General, and I am prepared to pursue legal action for statutory and actual damages as allowed under the FCRA.

Fraudulent Inquiries : 1. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/year>

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 2025-08-21 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
In XX/XX/XXXX I set up a Settlement plan with American Express to pay off my {$2500.00} balance with a series of payments, this is a settlement because I have had XXXX  5 times now and I have a medical condition that has caused me to fall behind on my bills, I simply can't work as much as I did before this last illness, but I always pay my bills!

American Express assured me on the phone that once my settlement started, I would no longer receive these massive late fees & excessive interest rate fees, plus a whole bunch of fees that were blowing up my debt.

I started my Settlement plan payments to American Express on XX/XX/XXXX with a {$300.00} payment then I consecutively paid {$240.00} for the next 5 months, but these payments never showed up on my account, plus American Express continued to put all kinds of fees of interest on my account, I spent probably 50 hours on the phone to people who barely spoke english, they always transferred me, put me on hold & treated me rudely, I can not believe how predatory their billing practices are & that no one could help me, so XX/XX/XXXX was my last payment because they are clearly not honoring the Settlement payment plan we had negotiated, I closed this card, I will never ever use American Express again. Now they say I owe a ridiculous {$12000.00}. HOW is that even possible that a {$2200.00}. debt increased {$10000.00}. while in a " SETTLEMENT '' Process? That is ABSURD!!!

I have an excellent Credit History, I am a home owner, I've bought 2 houses, several cars, I have never had this much trouble with a credit card company in my life. When I talk on the phone with them, they want to set up a " Settlement '' but I have already been paying {$1500.00} on my settlement! They can't seem to " find it in their system, '' then they pass me on to another person who I have to tell my whole story to, I'm tired of talking to American Express, I only want to tell this story to LAWYERS, SMALL CLAIMS COURTS, SENATORS & REPRESENTATIVES now! I am not alone, American Express is robbing millions of Americans this way right now, please help us all! American Express has faced allegations and legal actions regarding predatory billing practices, including deceptive marketing, hidden fees, and misrepresenting card benefits. These practices have led to significant financial penalties and settlements, but still they continue to rob us.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: Experian Information Solutions Inc.
State: NY

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 explanation
Consumer complaint received 2025-08-21 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXXXXXX XXXX XXXXXXXX ( Original Creditor XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX ( charge off ) XXXX XXXX XXXX XXXXXXXX ( collection ) XXXX XXXX XXXXXXXX ( repossession ) XXXX {$7000.00} XXXX XXXX XXXX XXXXXXXX ( charge off ) XXXXXXXX XXXX XXXX XXXX ( charge off ) XXXX XXXX XXXX XXXX XXXXXXXX ( charge off ) XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXXXXXX ( charge off ) XXXXXXXX XXXX XXXX XXXX ( charge off ) XXXX {$260.00} XXXXXXXX XXXX XXXX XXXXXXXX ( late payment ) XXXX XXXX XXXX  ( charge off ) XXXX {$600.00} XXXXXXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$800.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXXXXXX XXXX {$3000.00} INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Blitt and Gaines, P.C.
State: IN

Complaint narrative:
The company XXXX XXXX XXXX XXXX XXXX  left a XXXX page court document with personal and private information in the handle of the door to my bldg. Not in an envelope or stapled just rolled up.in the door handle where all who came in and out of the bldg had access to it. It was not left at my door or mailed. I live in low income housing and the XXXX XXXX of the housing project found it and brought it to me. Low income folk are often stereotyped as criminal or may be violent which is automatic eviction. To say she was very concerned is an understatement. I am under psychiatric care and my anxiety is now through the roof... more meds for me ... how wonderful. I feel this was a humiliating and intimidation tactic which was to provoke unsettling fear and worry in me which that's exactly what I'm feeling... scared. I lost my job XXXX was on {$91.00} per week for a few months unemployment and also I am living on social security XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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:
b'I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach.                               \n\nFRAUDULENT ACCOUNTS:\n\nAccount Name: XXXX XXXX XXXX  - Date Opened XXXX  \n\nAccount Name: XXXX XXXX XXXX XXXX - Date Opened XXXX \n\nAccount Name: XXXX XXXX XXXX XXXX XXXX Date Opened XXXX \n\nAccount Name: XXXX XXXX Date Opened  XXXX  \n \nUNAUTHORIZED INQUIRIES:XXXX XXXX XXXX XXXX XXXX ExperianXXXX XXXX XXXX XXXX ExperianXXXX XXXX XXXX ExperianXXXX XXXX XXXX XXXX Experian\XXXX XXXX XXXX XXXX  Experian'

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 2025-08-21 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: CA

Complaint narrative:
This matter is causing me significant distress and disrupting my sleep. Given my consistent record of on-time payments, I respectfully request an immediate update to my account to resolve this issue.

Company response to consumer: Closed with non-monetary relief