vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-30 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: NJ

Complaint narrative:
I, XXXX XXXX XXXX, am filing this complaint against XXXX XXXX XXXX  regarding their unlawful refusal to honor federal identity theft protections in connection with fraudulent account/case number XXXX. XXXX XXXX has engaged in willful and negligent violations of the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ) by refusing to block fraudulent information after receiving a valid FTC Identity Theft Affidavit, a full police report, and written notice of identity theft. 
I submitted an FTC Identity Theft Affidavit and a police report in accordance with 15 U.S.C. 1681c-2 ( a ). Under this statute, once a consumer provides proper documentation of identity theft, the furnisher is required to block and cease reporting the fraudulent account. Instead, XXXX XXXX issued a false determination claiming that activity indicates I opened and interacted with the account, yet XXXX XXXX provided no evidentiary material, no application file, no IP logs, no signature, no device data, and no supporting documentation to justify such a conclusion. Their determination appears arbitrary, unsupported, and constructed solely to continue collection attempts on a debt that I did not authorize and did not create.

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), a furnisher is prohibited from reporting information it knows or should know is inaccurate. After being provided with formal identity theft documentation, XXXX XXXX was required to stop furnishing this fraudulent data to the credit bureaus. Their refusal to do so constitutes a willful violation under 15 U.S.C. 1681n. 
XXXX XXXX continued attempts to collect this fraudulent balance of approximately {$7100.00}, after receiving documented evidence of identity theft, violate 15 U.S.C. 1692e because they are falsely representing a fraudulent debt as valid and attempting collection of an account created through criminal identity theft activity.

I request immediate CFPB enforcement intervention, including requiring XXXX  XXXX to : ( XXXX ) Permanently block, delete, and remove the fraudulent account ; ( 2 ) Provide all supporting documentation they allegedly relied upon to claim I am responsible ; ( 3 ) Cease all reporting and collection efforts ; and ( 4 ) Provide written confirmation of compliance. 
XXXX XXXX has failed to fulfill its federal obligations, willfully ignored the identity theft affidavit and police report, and continues to damage my credit profile through unlawful reporting. I request full investigation and enforcement action. 
Signed, 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 non-monetary relief
Consumer complaint received 2025-11-30 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: AR

Complaint narrative:
Delete this account from my credit reportI am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : XXXX XXXX XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 

Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper.

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 

Thank you for your prompt attention to this matter.

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 2025-11-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CMG Financial Services, Inc.
State: TN

Complaint narrative:
CMG Mortgage Inc. XXXX XXXX XXXX failed to pay my homeowners insurance as required in the closing documents. This resulted in the insurance being cancelled and the insurance company refused to reinstate the policy. I attempted to buy a policy on my own but can't find a company that will insure a manufactured home at this time. CMG then added a XXXX insurance policy and raised my mortgage payment by {$400.00} a month to cover that cost. I have documentation from CMG stating that they are at fault. Bottom line is.... I had a policy in effect when we refinanced, payed extra at closing to cover the policy and CMG failed to pay the insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
XX/XX/year>, I reported identity theft. I called Concora credit about someone open a credit card for {$700.00} under my named.The {$700.00} was max out.The person use {$700.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: WI

Complaint narrative:
On XX/XX/year> around XXXX I couldnt use my chime card, so I tried to get on app to find I was locked out and couldnt figure out why so I let it go and use XXXX XXXX Around XXXX on XX/XX/year> I check my email and see that someone had changed the phone number that is associated with the account and the email. So I contacted chime directly and they put me through to a few different people who got me back into my account and filed a dispute. Upon regaining access to my account I see that it has been completely drained, amounting around {$1700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-11-30 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: NV

Complaint narrative:
After receiving notice from Equifax that my personal information was compromised in a confirmed data breach, I discovered multiple unauthorized and fraudulent accounts appearing on my credit report. I immediately contacted Experian, TransUnion, and Equifax to dispute these accounts and submitted documentation supporting that these debts were not incurred by me. 

Despite my disputes, all three credit bureaus verified the information without providing any supporting documentation from the furnishers. This failure to properly investigate and validate the accuracy of these accounts violates : 15 USC 1681i ( a ) ( 1 ) : Duty to conduct a reasonable reinvestigation 15 USC 1681e ( b ) : Duty to ensure maximum possible accuracy 15 USC 1681i ( a ) ( 7 ) : Right to a description of verification procedures 15 USC 1692g and 1692e ( 8 ) : Duty of furnishers to validate debts and not report false information The continued reporting of these fraudulent accounts has caused significant harm, including denials of credit, emotional distress, and financial hardship. Experian, TransUnion, and Equifax have failed to comply with federal law by allowing unverifiable and inaccurate information to remain.

I respectfully request that the CFPB compel the credit bureaus and furnishers to provide full validation of each disputed account or immediately delete them from my credit reports to restore the integrity of my consumer file. 

Unauthorized Accounts Listed Below : 1 ) XXXX XXXX XXXX  Amount : {$430.00} Date OpenedXXXX 2 ) XXXX XXXX XXXX Amount : {$4700.00} Date OpenedXXXX Incorrect names listed : 1 ) XXXX XXXX 2 ) XXXX XXXX Unauthorized inquiries with no permissible purpose : 1 ) XXXX XXXX 2 ) XXXX 3 ) XXXX XXXX XXXX XXXX XXXX XXXX  4 ) XXXX XXXX XXXX  5 ) XXXX XXXX XXXX 7 XXXX XXXX XXXX XXXX 8 ) XXXX/XXXX  XXXX 9 ) XXXX XXXX XXXX 10 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 2025-11-30 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
What happened? 
I am disputing the accuracy and validity of a collection account reported by XXXX XXXX XXXX for an alleged balance owed to The XXXX XXXX  in the amount of {$6300.00}. According to TransUnion, this account was opened on XX/XX/XXXX and is reporting as a Charge Off/Collection as of XX/XX/XXXX. 

I never received a final account statement, written notice of outstanding charges, an itemized move-out ledger, or any documentation explaining how the alleged balance of {$6300.00} was calculated. No move-out inspection report, billing summary, rent ledger, damages list, or legally required notice was provided to me at the time I vacated the apartment. There was no communication from The XXXX XXXX  indicating that I owed any balance, nor any attempt to resolve or verify charges before placing the account with XXXX XXXX XXXX. 

The collector has not provided any verification, such as a signed lease agreement, itemized breakdown of charges, payment records, Date of First Delinquency, or proof that proper notice was sent prior to collection activity. The reporting to TransUnion appears incomplete, unsupported, and inconsistent with the information that was provided to me during my tenancy. Because neither the original creditor nor the collection agency has provided the required documentation, I believe this account is inaccurately furnished and unverified. 

I am requesting that both companies provide full documentation supporting the balance, including the final account statement, itemized charges, move-out inspection findings, lease agreement, ledger history, and all notices issued. If they can not provide this documentation, I request that the account be corrected or removed entirely from my credit reports.

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 2025-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
A fraudulent charge from XXXX XXXX  in the amount of {$33.00} was charged to my debit card on or about XX/XX/year>. On XX/XX/year>, I filed a claim and closed my card Chase gave me a temporary credit for the amount and did an investigation. After the investigation they reversed the credit that they gave me. I appealed their decision and in both instances, I provided them a copy of my order history with XXXX XXXX. That order history shows that the last time I used XXXX XXXX  was on XX/XX/year>. The charges that are in dispute are XX/XX/year>. I also contacted XXXX XXXX  and received an email stating we are unable to locate the charge in our system. This might be due to the transaction being processed through a digital wallet, which can sometimes create unique transaction tokens that don't directly reflect in our records. We recommend reaching out to your bank for further assistance, as they might be able to provide more insight or help you dispute the charge if necessary. If you believe this charge is fraudulent, they can also assist you in securing your account. 

Chase Bank insists that I authorized this charge but I did not. Chase Bank clearly did no investigation and/or any research because if they did, they wouldve received the same response from XXXX XXXX  that I received and that is they have no record of this transaction. Therefore, Chase Bank should honor their guarantee and not hold me responsible for this fraudulent unauthorized charge of {$33.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing a complaint against my loan servicer, 1666B, for inaccurately reporting multiple late payments on my credit report.

I was repeatedly told by loan officers at 1666B that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent. 

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with 1666B, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK

Complaint narrative:
I had disputed the accuracy of an entry on my credit report with XXXX  XXXX XXXX as well as with Transunion. They had removed the inaccurate entry as they lacked the accurate information. Soon after, they reentered the entry onto my consumer report without notifying me about this change. The information is lacking even more information, when disputed, they just rubber stamped it as verified and sent me a letter that it was " verified. '' There is no record of the date of first delinquency, the rating / payment history is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am filing a complaint because my bank closed my account in error and reported me for fraud based on a XXXX transaction that was cancelled and corrected. 

On XX/XX/year>, I received a XXXX request for {$2000.00}. On XX/XX/year>, I received another XXXX request from the same sender clearly stating to disregard the first request because it was cancelled. 

Despite this, my bank closed my account and labeled the situation as fraud. I understand they were contacted by the other bank, but I have written proof from the sender two days later stating that I did not need to send anything back and that the request was cancelled. I also have text messages from the sender showing they attempted to contact their bank to withdraw the claim, but their bank told them they were unable to due to time. 

I have been a long-term, responsible banking customer. I strongly disagree with my account being closed and especially with having a fraud flag that prevents me from opening accounts at other banks. I did nothing wrong, the XXXX request was cancelled by the sender, and my bank is ignoring the documentation that proves this. 
I am asking for assistance in : 1. Having my account reviewed correctly, 2. Removing any fraud flag or negative notation from my banking record, 3. Ensuring this situation does not prevent me from opening accounts at other banks.

I understand if my bank ( Wells Fargo ) chooses not to continue our relationship, but I should not be punished with a fraud label for an error that I can prove in writing that I did not involve wrongdoing on my part. 

Thank you for your help resolving this.

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 2025-11-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: OR

Complaint narrative:
I am submitting this complaint because XXXX ( via Harris & Harris ) has repeatedly reported a fraudulent collection account on my credit report, despite the fact that I have never opened an account withXX/XX/XXXXand have never received services from them in any way. I have had to dispute with them on multiple different occasions. This is a complete waste of my time and I have to continue to do this. 

This is the third time XX/XX/XXXXor their collection agency has attempted to place a collection account in my name. Each time, I have disputed it and it has been removed. Now, once again, a new collection account has appeared. 

Details of the current fraudulent account : Creditor/Collector : Harris & Harris Balance : {$1500.00} Opened : XX/XX/2025 Reported : XX/XX/2025 Remarks : Placed for collection I want to be very clear : I have never had an account withXX/XX/XXXX 
I have never authorized services, equipment, or billing with them. 
I never received a bill or contract. 
This debt is not mine. 
This is the third occurrence, which suggests identity theft or improper internal processes on their end. 

Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), a debt collector is required to : 1. Validate the debt upon request 2. Report only accurate information 3. Cease reporting or collecting when the debt can not be validated XXXX and Harris & Harris are violating these obligations by repeatedly reporting inaccurate information tied to my identity. This is causing : Damage to my credit score Difficulty obtaining credit Emotional stress and unnecessary time spent disputing Potential risk of further identity misuse I am requesting the following : 1. Immediate removal of this fraudulent collection account from all credit bureaus (XX/XX/XXXX 
2. A full investigation into why XXXX continues to attach fraudulent accounts to my name. 
3. Written confirmation that this debt does not belong to me and that no future accounts in my name will be submitted without verified identity. 
4. A requirement for XXXX and Harris & Harris to provide CFPB with proof of any contract, authorization, usage, or billing tied to my identity. ( There is none. ) I take these matters seriously. I am requesting CFPB assistance to stop this recurring issue, as it appears XXXX is repeatedly failing to verify identity before assigning debt or sending accounts to collections. 

Thank you for your attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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: NV

Complaint narrative:
After receiving notice from Equifax that my personal information was compromised in a confirmed data breach, I discovered multiple unauthorized and fraudulent accounts appearing on my credit report. I immediately contacted Experian, TransUnion, and Equifax to dispute these accounts and submitted documentation supporting that these debts were not incurred by me. 

Despite my disputes, all three credit bureaus verified the information without providing any supporting documentation from the furnishers. This failure to properly investigate and validate the accuracy of these accounts violates : 15 USC 1681i ( a ) ( 1 ) : Duty to conduct a reasonable reinvestigation 15 USC 1681e ( b ) : Duty to ensure maximum possible accuracy 15 USC 1681i ( a ) ( 7 ) : Right to a description of verification procedures 15 USC 1692g and 1692e ( 8 ) : Duty of furnishers to validate debts and not report false information The continued reporting of these fraudulent accounts has caused significant harm, including denials of credit, emotional distress, and financial hardship. Experian, TransUnion, and Equifax have failed to comply with federal law by allowing unverifiable and inaccurate information to remain.

I respectfully request that the CFPB compel the credit bureaus and furnishers to provide full validation of each disputed account or immediately delete them from my credit reports to restore the integrity of my consumer file. 

Unauthorized Accounts Listed Below : 1 ) XXXX XXXX XXXX  Amount : {$430.00} Date OpenedXXXX 2 ) XXXX XXXX XXXX Amount : {$4700.00} Date OpenedXXXX Incorrect names listed : 1 ) XXXX XXXX 2 ) XXXX XXXX Unauthorized inquiries with no permissible purpose : 1 ) XXXX XXXX 2 ) XXXX 3 ) XXXX XXXX XXXX XXXX XXXX XXXX  4 ) XXXX XXXX XXXX  5 ) XXXX XXXX XXXX 7 XXXX XXXX XXXX XXXX 8 ) XXXX/XXXX  XXXX 9 ) XXXX XXXX XXXX 10 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation