vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Receivables, Inc.
State: GA

Complaint narrative:
* * Subject : * * Identity Theft Dispute Request for Removal of Fraudulent Membership Account To Whom It May Concern, I am writing to formally dispute a fraudulent account that appears on my credit report. This account was opened online without my authorization and is the result of identity theft. Despite multiple attempts to resolve this directly with the company, they have refused to remove the accounteven after providing a signature that clearly does not match mine. 

This account was never authorized by me, and I did not apply for or use any membership with this company. I am requesting that this item be * * blocked and removed * * from my credit report pursuant to * * Section 605B of the Fair Credit Reporting Act ( FCRA ) * *, which mandates that credit reporting agencies must block fraudulent information resulting from identity theft within XXXX business days of receiving appropriate documentation. 


Additionally, I am aware of recent data breaches involving both TransUnion and Experian, which may have contributed to the unauthorized use of my personal information. I request that you take this into account and ensure my data is protected going forward. 

Please confirm in writing that this account has been removed and that all necessary notifications have been sent to the furnisher of the information. I also request that a * * fraud alert * * be placed on my credit file. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CHARLES SCHWAB CORPORATION, THE
State: CT

Complaint narrative:
I am the trustee of XXXX XXXX XXXX XXXX. On XX/XX/year>, I applied for a Schwab XXXX XXXX XXXX + Investor Checking account ( Ref # XXXX ). The brokerage account was opened on XX/XX/year>, but Schwab has refused to activate the linked Investor Checking account. 

The issue is my ChexSystems record has a legislative lock, not a standard consumer credit freeze. By design, I can not lift this lock myself. ChexSystems requires the financial institution to call the secure number that appears on their screen to verify. Other banks ( XXXX XXXX, XXXX, etc. ) have followed this procedure and successfully opened accounts under the same lock. 

Despite being told this several times, Schwab mischaracterized the lock as a credit freeze and demanded I lift it myself, which is impossible. Asking me to do so defeats the very purpose of a legislative lock as a consumer protection. 

Schwab representatives also confirmed on XX/XX/year> that the only issue was an address discrepancy and the overnight batch might clear it. Despite this, they are now using the lock as justification for refusing to activate the Investor Checking account. 

Additionally, Schwab unilaterally updated my account address without my authorization and without giving me access to correct it, creating further risk and confusion. 

This has : Prevented lawful access to my trust checking account. 
Delayed payroll and retirement plan operations tied to the trust. 
Forced me into unnecessary disputes despite following all proper procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: DC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal 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 2025-09-18 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:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX : XXXX  | XXXX : XXXX My name is XXXX XXXX and I'm Begging for your help, I'm NOT A COMPANY! 
You should have more than enough time to remove these inaccurate accounts from my credit report! Stop ignoring my disputes I need real help!! I request to remove inaccurate, incomplete, misleading, unverifiable, or obsolete info and must be deleted or fully validated on my credit report as quickly as possible under the Fair Credit Reporting Act ( FCRA XXXX, XXXX, XXXX ) and the Fair Debt Collection Practices Act ( FDCPA XXXX ).. The items are : XXXX XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Closed Auto Loan | Collection/Chargeoff | Balance {$13000.00} Violations : FCRA 623 ( a ) ( 1 ) ( A ) ; FDCPA 809 ( b ) ; FCRA 611 ( a ). 

XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX  | Unsecured Loan | Closed | Collection/Chargeoff | Balance {$3000.00} Violations : FCRA 623 ( a ) ( 1 ) ( A ) ; FDCPA 809 ( b ) ; FCRA 609. 

XXXX Acct # XXXX * | Collection/Chargeoff | Closed | Balance {$10000.00} | Original Creditor : XXXX XXXX XXXX : FCRA 609 no contract disclosure ; FCRA 623 ( a ) ( 1 ) ( A ) ; FDCPA 809 ( b ). 


You are hereby notified that I dispute these debts in entirety. Until you provide complete validation, you must cease all collection activity, including reporting this account to any credit bureau. 

Please provide the following within XXXX  days : XXXX. Original signed contract or agreement showing I am legally obligated. 
XXXX. Full itemized accounting of the debt ( all charges, payments, interest, fees ). 
XXXX. Proof of assignment or ownership of the debt ( chain of title from the original creditor through every transfer ). 
XXXX. Name and address of the original creditor, if different from your agency. 
XXXX. Proof of your license/authorization to collect debts in my state. 
XXXX. Proof of accuracy in credit reporting, including the method of verification you used to furnish data to XXXX, XXXX, and Experian. 

If you can not fully validate each account Immediately delete all references to each account from all credit reports. Cease collection activity permanently. Failure to comply will result in formal complaints with the CFPB, FTC, and State Attorney General.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have bad credit on all XXXX  credit reporting agencies due to a data breach from XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have bad credit on all XXXX  credit reporting agencies due to a data breach from 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 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In XXXX, I financed a vehicle through XXXX XXXX. Shortly after receiving the vehicle, the engine exploded due to what XXXX later indicated was not a manufacturer defect, albeit the situation matched a known defect of the same model vehicle of similar years. They concluded it was not a manufacturer defect, but the issue remained inconclusive. The vehicle was towed to a local tow yard, but their inspection took over XXXX months to complete, during which time the vehicle accumulated over {$11000.00} in storage fees and became unrecoverable. I was then informed that the insurance coverage XXXX XXXX approved at underwriting was considered insufficient to replace the vehicle, and as a result, the account was charged off for the full loan amount despite no fault of my own and no repossession. 

I attempted to dispute this with the credit bureaus, but they marked it verified without providing any documentation from XXXX XXXX to support the continued negative reporting. This is not only unjust, but a violation of the Fair Credit Reporting Act, which requires that all data be accurate and verifiable. 

I am seeking immediate removal of this account from my credit report or at minimum, that it be updated to reflect that the consumer disputes the account and that the vehicle was lost due to manufacturer negligence and poor handling of insurance verification by the lender.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In XXXX, I financed a vehicle through XXXX XXXX. Shortly after receiving the vehicle, the engine exploded due to what XXXX later indicated was not a manufacturer defect, albeit the situation matched a known defect of the same model vehicle of similar years. They concluded it was not a manufacturer defect, but the issue remained inconclusive. The vehicle was towed to a local tow yard, but their inspection took over XXXX months to complete, during which time the vehicle accumulated over {$11000.00} in storage fees and became unrecoverable. I was then informed that the insurance coverage XXXX XXXX approved at underwriting was considered insufficient to replace the vehicle, and as a result, the account was charged off for the full loan amount despite no fault of my own and no repossession. 

I attempted to dispute this with the credit bureaus, but they marked it verified without providing any documentation from XXXX XXXX to support the continued negative reporting. This is not only unjust, but a violation of the Fair Credit Reporting Act, which requires that all data be accurate and verifiable. 

I am seeking immediate removal of this account from my credit report or at minimum, that it be updated to reflect that the consumer disputes the account and that the vehicle was lost due to manufacturer negligence and poor handling of insurance verification by the lender.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In 2023, I financed a vehicle through XXXX XXXX. Shortly after receiving the vehicle, the engine exploded due to what XXXX later indicated was not a manufacturer defect, albeit the situation matched a known defect of the same model vehicle of similar years. They concluded it was not a manufacturer defect, but the issue remained inconclusive. The vehicle was towed to a local tow yard, but their inspection took over XXXX months to complete, during which time the vehicle accumulated over {$11000.00} in storage fees and became unrecoverable. I was then informed that the insurance coverage XXXX XXXX approved at underwriting was considered insufficient to replace the vehicle, and as a result, the account was charged off for the full loan amount despite no fault of my own and no repossession. 

I attempted to dispute this with the credit bureaus, but they marked it verified without providing any documentation from XXXX XXXX to support the continued negative reporting. This is not only unjust, but a violation of the Fair Credit Reporting Act, which requires that all data be accurate and verifiable. 

I am seeking immediate removal of this account from my credit report or at minimum, that it be updated to reflect that the consumer disputes the account and that the vehicle was lost due to manufacturer negligence and poor handling of insurance verification by the lender.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Chime Inc.
State: GA

Complaint narrative:
On XX/XX/year>, at XXXX XXXX, I sent {$3500.00} through XXXX ( Invoice # XXXX ). Their automated system promises 20 minutes to 2 hours for XXXX transfers, and their staff confirmed a XXXX maximum policy. My funds have been withheld for over XXXX hours. 

Misconduct : Contradictory answers : funds arrived vs. still processing. 
False excuses blaming XXXX, which is an instant system. 
Blame shifted to a partner in XXXX but after 30+ hours, no reply from them.

Admission of misinformation by previous agents.

Six escalations to management, yet no email updates or resolution. 

Harm : This has caused me financial hardship, XXXX, and the risk of late fees. XXXX has clearly breached its own policy and misled me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
EVERY MORNING, UPON SEEING THESE FRAUD ACCOUNTS, I GET STRESSED. I WANT THESE TO BE TAKEN OFF FROM MY REPORT IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: CA

Complaint narrative:
They repossessed my vehicle without providing the required Notice of Default or Right to Cure, in violation of my state consumer protection laws. After repossession, I was never provided a Notice of Sale or a Deficiency Balance Notice, as required under UCC 9-611 and 9-614. When I contacted the creditor for further information, they refused to provide any documentation or explanation, preventing me from exercising my right to redeem the vehicle or understand the amount allegedly owed.

Additionally, this account is being reported inaccurately to the credit bureaus and without proper documentation, in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ).

I demand a full investigation and the immediate removal of this account from all credit reports due to these violations and the creditors failure to follow lawful procedures.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: EQUIFAX, INC.
State: CA

Complaint narrative:
They repossessed my vehicle without providing the required Notice of Default or Right to Cure, in violation of my state consumer protection laws. After repossession, I was never provided a Notice of Sale or a Deficiency Balance Notice, as required under UCC 9-611 and 9-614. When I contacted the creditor for further information, they refused to provide any documentation or explanation, preventing me from exercising my right to redeem the vehicle or understand the amount allegedly owed.

Additionally, this account is being reported inaccurately to the credit bureaus and without proper documentation, in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ).

I demand a full investigation and the immediate removal of this account from all credit reports due to these violations and the creditors failure to follow lawful procedures.

Company response to consumer: Closed with explanation