vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Formal Dispute & Cease Communication Pursuant to 15 U.S.C. 1692c, 1692g, and 1681e ( b ) I am writing to formally dispute the accuracy and validity of the following accounts being reported and/or collected under my credit file : 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 Under 15 U.S.C. 1692g, I hereby request full validation of each alleged debt, including but not limited to : 1. A copy of the original signed contract or agreement bearing my signature. 
2. The complete payment history, itemization, and calculation of any alleged amount.

3. Documentation showing the chain of assignment from the original creditor to any current debt collector. 
Until this validation is provided, you must immediately cease all collection activities, reporting, or communication regarding these accounts as required under 15 U.S.C. 1692c. Any continued attempts to collect without validation will constitute a willful violation of the Fair Debt Collection Practices Act ( FDCPA ) and will be documented as evidence for potential legal action. 
Additionally, under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), you are required to maintain maximum possible accuracy in any credit reporting. Since these accounts are in dispute and unverified, I demand their immediate removal from my credit file pending proper validation. Reporting unverifiable, inaccurate, or incomplete information constitutes a direct violation of federal law. 
If you fail to comply within 30 days of receiving this notice, I will have no choice but to pursue all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. 
I expect a written response and full documentation within the time allowed 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 explanation
Consumer complaint received 2025-10-17 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: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau Representative, I am filing this complaint against TransUnion, Equifax, and Experian for knowingly reporting inaccurate and misleading information related to my student loan account, which appears under multiple aliases XXXX, Department of Education, XXXX, and XXXX  XXXX XXXX XXXX XXXX ( XXXX ) across all three credit bureaus. 

Upon review of my credit reports, I discovered these accounts are duplicated, inconsistently named, and contain inaccurate status and payment information. For example : Equifax lists the account as XXXX  XXXX XXXX XXXX with a status of Pays as Agreed but continues to report outdated deferred balances and long-term amounts inconsistent with current federal loan servicing records. 

Experian lists similar accounts under Department of Education XXXX XXXX, showing transferred or closed statuses but maintains open trade lines and repayment history that conflict with the official loan status. 

TransUnion either omits updated payment information or continues to report historical data no longer applicable, leading to contradictory reporting. 

These discrepancies constitute furnishing of inaccurate information and failure to maintain maximum possible accuracy under 15 U.S.C. 1681e ( b ) and 1681s-2 ( a ) of the Fair Credit Reporting Act ( FCRA ).

Violations and Legal Basis Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681a, 1681b, 1681c, 1681e ( b ) Credit bureaus must ensure accuracy, fairness, and relevancy of reported data. Reporting the same account under multiple names violates these sections and misrepresents the true state of the obligation. 

Reporting obsolete, incorrect deferment information or balance inconsistencies also violates the requirement of maximum possible accuracy. 

Family Educational Rights and Privacy Act ( FERPA ), 20 U.S.C. 1232g Student loan information is federally protected educational data. Furnishing or sharing this information with credit reporting agencies without explicit, informed consent is a privacy violation. 

XXXX and the Department of Education, as educational servicers, are bound by FERPAs confidentiality protections and should not transmit or publish private educational financial data through third parties. 

15 U.S.C. 1681c ( a ) ( 5 ) Obsolete Adverse Information No adverse or deferred item should remain longer than seven years. Reporting deferred, paid, or transferred loans past the allowed period is unlawful.

12 CFR 1022.3 & 1022.43 Identity and Record Accuracy Multiple aliases for the same creditor create confusion, appearing as multiple accounts and reducing creditworthiness a form of identity misuse and false duplication.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Block, Inc.
State: FL

Complaint narrative:
A pay loan was opened in my name in XXXX  and hasnt been removed for 15 years ago and they are still requesting {$300.00} payment for a fraud that was committed through them. Police reports show my second report and 20th attept

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

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. 
Account name : XXXX XXXX Account name XXXX XXXX XXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXX, has violated my rights. 

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 ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) 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 suppose 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.

15 U.S.C. 1681B ( 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. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-10-17 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: NC

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. 
Account name : XXXX XXXX Account name XXXX XXXX XXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXX, has violated my rights. 

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 ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) 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 suppose 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.

15 U.S.C. 1681B ( 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. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-10-17 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX and XXXX  XXXX XXXX arranged for Dividend Finance to sell me their solar panel system with promises that it would lower my electricity consumption bill and that I would potentially sell excess generation back to grid if I installed a net metering meter with the permission and approval of my utility company - XXXX XXXX XXXX XXXXXXXX XXXX. 
They approved the installation based on specifications, drawings, and property address 1 ( my senior residential building ). Furthermore the seller and installer agreement specified solar panels made in Texas by XXXX XXXX. But the seller delivered and installed panels made in XXXX by XXXX XXXX. When questioned and asked to return and exchanged it, they refused and argued that those were comparable and even provided more watts than what I ordered based on the price quotes that was inflated or promoted as better made rugged panels in USA. They went ahead and mounted it to my dismay and in addition refused to change the installation address from address 2 ( my primary residence ) on the loan agreement, while the sales agreement had the target property as address 1 ( my business property as approved by the utility company and the XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ). 
I reluctantly let it be and told them over the phone and email that if I did not get the results expected ( lower electric bill ) for the panel to pay for itself that I would hold them accountable. 
Well for the past 5 years since installation, the generation report has been less than 45 % optimal in production, and did not produce any energy for about 6 months between XXXX and XXXX. It took them a while to replace a bad inverter that had a 10 year warranty. The seller has gone bankrupt or defunct. The installer is not responsive or absconded to XXXX. XXXX / XXXX has recently declared bankrupt and is in the process of handing over to another company. Contacting them for technical support is not easy. Dividend has been told that my production is poor and to investigate it to reduce or renegotiate the loan or remove the panels which is causing me to spend over {$900.00} Vs. {$320.00} when I had no solar panels. I can not afford to keep paying their {$450.00} per month plus my new electric bill about about another $ XXXX per month.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My credit report includes collection accounts that I believe to be inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, I have the right to a report that is accurate and verifiable. I am requesting these accounts be reviewed, and if they can not be verified, removed from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Social security number is XXXX Equifax and experian has not still removed accounts that are adverse negative and accounts that don't belong to me ending in XXXX negative and XXXX negative and XXXX and XXXX and XXXX there is a federal trade commission identity report on file by law it supposed to be removed from report those accounts

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 2025-10-17 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: CBC Companies, Inc.
State: NY

Complaint narrative:
Social security number is XXXX Equifax and experian has not still removed accounts that are adverse negative and accounts that don't belong to me ending in XXXX negative and XXXX negative and XXXX and XXXX and XXXX there is a federal trade commission identity report on file by law it supposed to be removed from report those accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I drove from Florida back to Wisconsin because they said that they were going to put me in jail if I didn't go to the court date on XX/XX/XXXX and as soon as I got there they canceled the court date and I had to drive all the way back. I got a letter from XXXX but it doesn't say anything and then I got a letter from XXXX and XXXX and it says they are finishing it out of court or something like that. 

The problem is once I turned back the house in XXXX of XXXX  after the house was vandalized they should've closed the account. Then they should've closed it on my credit reports. I am still waiting for this to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Revco Management, LLC
State: CA

Complaint narrative:
I recently got a collection on my account from a debt collector and I never received any phone/email communication or written notice ahead that my account is being sent to collection. 
Even the collection agency didn't communicate with me and put it straight as a collection on my account. It is a violation of FCRA as I was never asked to dispute, pay before putting it on my credit and ruining my credit. 
Moreover, I am already paying my payments to the original company XXXX XXXX XXXX so it should not be on my account as this is duplicative record. 
XXXX XXXX XXXX show it as due amount and I pay it, and debt collector also put same amount on my credit report to pay. Am I supposed to pay at two different places?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Case ID # ( via Credit Card Company Disputes ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX These 4 case id # are for my disputes for my transactions. You've recently closed my disputes without pursuing to the merchant for more information when I already gave my statement/screenshots/transactions to you. If this doesn't get disputed then I will file a complaint against you with CFPB. You canceling my dispute is unjustified as I've sent out everything you need already. These claims has been started since XX/XX/XXXX and you did nothing to help me as a consumer. Please get this out because I've did not authorize these charges from the merchant XXXX that was posted from the month of XXXX. I've reached out to the merchant and on my behalf & they do not know what or where these charges came from so therefore these charges are fraudulent. Once again, I did not authorize these charges and the merchant ( XXXX ) used/charged my Best Buy XXXX XXXX. Which is why I requested a new credit card mailed out to me. You do not need more information as I've sent out my screenshots/reasoning of why I started the disputes of ( 4 ) transactions on XX/XX/XXXX. It is a duplicate charge and they charged me already on XX/XX/XXXX & XX/XX/XXXX. 

Above is my sent out letter to the credit card company of XXXX Citi Credit Card Company. I've tried to contact the Dispute Department Center countless of times but they are not able to be contacted. It's frustrating because ( 4 ) transactions that I've disputed since XX/XX/year> has lead to nothing and the dispute company did not do their job to pursue for more information from the merchant and credit my account. I've submitted my documentations and reasoning onto why I've disputed my transactions & they declined the disputes. I've waited nearly 2 months and they did nothing to pursue or help the consumer as myself to win my money back.

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 monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX. TransUnion Version Im disputing the XXXX account XXXX in XXXX listed on my TransUnion report. This account is inaccurate and was not authorized by me. I have never opened such an account. Please investigate and remove it under FCRA Sections 607b and 611. 

XXXX. Experian Version The XXXX  account XXXX in XXXX was reported incorrectly on my Experian file. I did not authorize or open this account. I previously contacted the furnisher but received no resolution. Please investigate and delete this inaccurate account per FCRA 602A and 611. 

XXXX. Equifax Version I found an inaccurate XXXXXXXX  account XXXX in XXXX on my Equifax credit report. This account does not belong to me and was never approved or opened by me. Please remove it immediately as required under FCRA Sections 604 and 611.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My name is XXXX XXXX there is no XXXX XXXX involved in the filing of this complaint and this complaint has not been made in error.

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 2025-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BTH Management
State: LA

Complaint narrative:
This account XXXX shows as collection/charge-off, but the original creditor ( XXXX ) sold the account to Plaza Services. No debt validation or assignment documentation has been received. Reporting without proof of ownership violates FCRA 623 ( a ) ( 1 ) ( A ) and FDCPA 809 ( b ). Its been over XXXX  days since a written validation request with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Chime Financial Inc
State: MO

Complaint narrative:
A woman stole my phone with my Chime ( XXXX XXXX  ) bank account on it. She then transferred {$5000.00} to her account which is also with Chime. I was on the phone with Chime customer service reporting my account for fraud, and as I was on the phone with Chime the {$5000.00} was transferred. Chime informed me that they were unable to stop the transaction or lock my account. The woman who stole my phone then changed my personal details on the account to her home address, she then ordered a new credit card on my account to that address, which is also the address my phone GPS was pinging to. I've never sent money to this XXXX, or that much money to anyone. Chime refused to do anything at the time and simply told me to dispute the charges. I attempted to dispute this with Chime and it was declined. 

I reopened the case with Chime on XX/XX/XXXX, in which I sent them the phone number for the gas station my phone was stolen at, witnesses phone numbers, a police report, screenshots of the transaction and of the location of my phone, which was at this XXXX  's house that I've never been to ( the address she changed my account address to ), and screenshots of security footage. The dispute was again declined stating that there was determined to be " no error ''. Chime has been well aware that my account was stolen. I canceled all of my cards and ordered new ones, as well as changed all of my passwords. Chime has been aware of the theft since before money was taken and still refused to take any sufficient action to halt the theft or return my funds to my account.

Company response to consumer: Closed with monetary relief