vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Atlanticus Services Corporation
State: GA

Complaint narrative:
I was an approved for a XXXX XXXX XXXX and I used the card for small expenses. They offered me protection on the card in case I came to a financial hardship. I went over my limit and i planned to pay it off in XXXX. XX/XX/XXXX the govt shut down who i am an XXXX XXXX so we didn't get paid. I called XXXX  multiple times because i saw my credit score dropping and they told me to call credit reporting agencies. i called them and they told me to report back to XXXX because they had nothing to do with what XXXX reports. i called XXXX  back on yesterday and they told me i was late. I told them my plan was to pay the full balance on XX/XX/XXXX since we got paid 3 times in XXXX, but we were furloughed. They told me they would not help me or i can set up a payment with them. I asked them how when i don't know if the govt will open back up soon.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: TX

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Relay Financial (US), Corp.
State: TX

Complaint narrative:
I opened an account with Relay Financial Technologies for the purpose of having a separate account for an SBA loan. I used the account to pay the {$34000.00} franchise fee for a XXXX XXXX  franchise. The funds were moved into the Relay Account from my XXXX XXXX account. Relay then paid the franchise fee by wire transfer. I ended up closing the Relay account and went with a local bank for my business account. The SBA needs proof the funds were moved into the Relay account from the XXXX account. They also need proof the funds were paid out. Relay has advised me on XXXX occasions that since I closed the account, no records exist. I believe there is a XXXX retention period for these statements, but Relay will not provide me account statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: TX

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf.

These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX XXXX Account Number : 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 non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: MI

Complaint narrative:
I am writing to formally express my concerns regarding Chime 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Chime numerous times and reporting discrepancies, my financial institution and Chime failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Chime has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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:
I am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal 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 explanation
Consumer complaint received 2025-10-28 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:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX  # XXXX -- Balance {$42000.00} Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 2025-10-28 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: TX

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf.

These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you.

Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IL

Complaint narrative:
Subject : Formal Demand for Complete Verification and Deletion of Inaccurate Credit Entry XXXX Representative, I am in receipt of your response dated XX/XX/year>. You state that verification was mailed, but I have not received any documentation that proves the following : That you have legal standing or assignment to collect on this account ; That the amount claimed is accurate, itemized, and contractually owed under the lease terms ; This debt is being reported with full compliance under the Fair Credit Reporting Act ( FCRA ).

Under 15 U.S.C. 1692g ( b ) and 15 U.S.C. 1681i, I am requesting a complete investigation and full validation of this account.

If you are unable to provide proof of ownership, full accounting of the amount owed, and verifiable documentation that this debt is legally reportable, you are required to cease collection and request deletion of the entry from all consumer reporting agencies.

Until complete verification is provided, you must stop furnishing any data about this account to credit bureaus. Failure to comply constitutes continued collection activity on an unverified debt, which violates the FDCPA and FCRA.

Please respond within 15 business days with all requested documentation or written confirmation that the account has been deleted. 

Sincerely, 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 2025-10-28 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: TX

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING 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 2025-10-28 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: NC

Complaint narrative:
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX BALANCE : {$7000.00} Therefore, the following accounts must be deleted from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: World Acceptance Corporation
State: TN

Complaint narrative:
They are contacting my employers about missed payments. Which is prohibited under the FDCPA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have encountered difficulties accessing my EQUIFAX account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I AM FILING THIS COMPLAINT AGAINST XXXX XXXX FOR REPORTING AN INACCURATE, ERRONEOUS ACCOUNT TO THE MAJOR CREDIT REPORTING AGENCIES. DESPITE MY ATTEMPTS TO HAVE THIS MATTER RESOLVED, XXXX XXXX CONTINUES TO REPORT THIS INACCURATE ACCOUNT, CAUSING DAMAGE TO MY CREDIT REPUTATION AND VIOLATING MY RIGHTS UNDER FEDERAL AND STATE LAW. 

INACCURATE AND ERRONEOUS ACCOUNT CREDITOR : XXXX XXXX CO ACCOUNT NUMBER ( PARTIAL ) : XXXX DATE OPENED : XX/XX/2023 REPORTED BALANCE : {$5200.00} THIS ACCOUNT IS A RESULT OF ERRONEOUS OR FRAUDULENT REPORTING. XXXX XXXX HAS FAILED TO VERIFY THE VALIDITY OF THIS ACCOUNT BEFORE REPORTING IT TO THE CREDIT REPORTING AGENCIES. 

THIS CONDUCT CONSTITUTES VIOLATIONS OF THE FOLLOWING FEDERAL STATUTES UNDER THE FAIR CREDIT REPORTING ACT ( FCRA ) : FCRA 623 ( a ) ( 1 ) ( A ) PROHIBITS FURNISHERS FROM REPORTING INFORMATION THEY KNOW OR HAVE REASON TO BELIEVE IS INACCURATE.

FCRA 623 ( a ) ( 2 ) REQUIRES FURNISHERS TO CORRECT AND UPDATE INFORMATION THAT THEY DISCOVER IS INCOMPLETE OR INACCURATE.

FCRA 623 ( b ) ( 1 ) REQUIRES FURNISHERS TO CONDUCT A REASONABLE INVESTIGATION UPON RECEIPT OF A DISPUTE FROM A CONSUMER REPORTING AGENCY. 

IN ADDITION, THIS CONDUCT VIOLATES THE NEW JERSEY FAIR CREDIT REPORTING ACT ( XXXX XXXX. XXXX XXXX XXXX. ), WHICH REQUIRES FURNISHERS OF CREDIT INFORMATION TO ENSURE ACCURACY AND TO PROMPTLY CORRECT ERRONEOUS DATA. 

VIOLATIONS ALLEGED XXXX XXXX HAS VIOLATED MULTIPLE SECTIONS OF THE FAIR CREDIT REPORTING ACT AND NEW JERSEY STATE LAW, INCLUDING BUT NOT LIMITED TO : 15 U.S.C. 1681s-2 ( a ) DUTY OF FURNISHERS TO PROVIDE ACCURATE INFORMATION.

15 U.S.C. 1681s-2 ( b ) DUTY OF FURNISHERS TO INVESTIGATE DISPUTED INFORMATION.

15 U.S.C. 1681n & 1681o WILLFUL AND NEGLIGENT NONCOMPLIANCE WITH THE FCRA.

N.J. STAT. 56:11-33 & 56:11-35 FAILURE TO ENSURE ACCURACY AND PROMPTLY CORRECT INACCURATE CONSUMER INFORMATION.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : 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 2025-10-28 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: EdFinancial Services
State: TN

Complaint narrative:
CFPB Complaint EdFinancial XXXX XXXX Student Loan Reporting Company : EdFinancial Services Product : Student Loan Servicing Issue : Incorrect credit reporting / failure to correct information What Happened I am disputing inaccurate credit reporting by EdFinancial Services related to my student loans. 
In 2017, my subsidized ( {$37000.00} ) and unsubsidized ( {$32000.00} ) loans were consolidated through EdFinancial into a single Direct Consolidation Loan totaling {$69000.00}. My current EdFinancial statement and consolidation documentation confirm that only one active consolidated loan exists.

However, my XXXX  credit report still shows the {$37000.00} subsidized loan as a separate active account, which is inaccurate. This creates a duplicate record and inflates my total reported student loan debt.

I have contacted both XXXX  and EdFinancial multiple times. XXXX  states they must rely on data from the servicer, and EdFinancial representatives have confirmed that they are currently unable to make reporting updates due to federal court injunctions. 
What I Am Requesting I am requesting that the CFPB ensure : 1. EdFinancial corrects its reporting with the credit bureaus once the court restrictions are lifted, and 2. XXXX  reflects the {$37000.00} loan as Closed/Transferred to Consolidation Loan or removes it entirely when EdFinancial resumes credit data submissions.

I have attached : - 2017 Direct Consolidation confirmation - Current EdFinancial statement showing one active {$69000.00} loan - XXXX  dispute result notice and correspondence from EdFinancial Summary This situation is due to a known delay in data corrections caused by active federal injunctions. I am filing this complaint to document the inaccuracy, maintain an active record, and request that CFPB ensure correction once reporting restrictions are lifted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am disputing a hard inquiry that appears on my credit report. I do not recall authorizing this inquiry and have no existing relationship with this company that would justify a credit check. 

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 2025-10-28 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: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof.

I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : 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 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 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 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to dispute inaccurate and unverifiable information appearing on my credit report. The account in question is listed as XXXX XXXX with a balance of {$110.00}, and I have no knowledge or records of ever opening authorizing this account.

This tradeline also appears inconsistently across the three major credit bureaus, showing, Equifax " not more than three payments past due ( 60 days ), TransUnion " 90 days past due '' Experian '' 60 days delinquent '' This inconsistent and unfamiliar reporting violates the FCRA 1681e ( b ), 1681i ( a ), 1681c-2, 623 ( a ) ( 7 ). 

If XXXX XXXX can not provide verification or proof ownership, I also request a block of this tradeline pursuant to 1681c-2 ( a ) as potential identify theft. If this account can not be verify, deleted immediately.

Please provide the furnisher 's contact details, copies of all documents used in verification, and written results of your reinvestigation within 30 days 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 2025-10-28 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:
Due to a period of XXXX, I was unable to make timely payments on my credit card. It was a difficult time in my life, but Ive taken steps since then to rebuild and make things right. Im committed to addressing my past due balances and improving my financial habits.

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