vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-12 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 submitting this complaint to report inaccurate and fraudulent address information being reported by all three major credit reporting agenciesEquifax, Experian, and TransUnionas a result of identity theft.

I did not authorize the use of the fraudulent address ( es ), nor did I reside or conduct any financial activity at the location ( s ) listed below. These false entries are damaging my credit, violating my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and are directly related to identity theft. 

Inaccurate Address ( es ) to Be Removed : XXXXXXXX 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. 1681c-2, I am requesting the removal or blocking of all information resulting from identity theft, including these false addresses, from my credit file. In accordance with 15 U.S.C. 1681i, I am also requesting a prompt investigation and correction of the inaccurate information. 

Please find attached the following documents : A copy of my government-issued photo ID Proof of address A completed FTC Identity Theft Report I respectfully request : Immediate removal of the inaccurate address ( es ) from all three credit bureaus ; A reinvestigation under FCRA guidelines XXXX A written confirmation once the false addresses have been removed or corrected. 

Please treat this as a formal identity theft-related dispute and take action within the timeframes outlined in the FCRA. I expect to be notified of the results of your investigation in writing. 

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 2025-06-12 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted multiple disputes to Equifax about inaccurate information on my credit report, starting on XX/XX/year>. The items include accounts that do not belong to me and a collection account that was already paid. Despite sending supporting documents, the inaccurate accounts are still being reported, and no proper action has been taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: NY

Complaint narrative:
I am submitting this complaint because my credit report contains inaccurate and possibly fraudulent information that I did not authorize or recognize. Some of the inquiries, or personal data appearing on my report do not belong to me, and I believe they may be the result of identity theft or misreporting by data furnishers. These inaccuracies are negatively impacting my credit score and causing undue harm to my financial well-being. Please see the fraudulent items below that need to be remove :. 
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 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 2025-06-12 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: NY

Complaint narrative:
I am submitting this complaint because my credit report contains inaccurate and possibly fraudulent information that I did not authorize or recognize. Some of the inquiries, or personal data appearing on my report do not belong to me, and I believe they may be the result of identity theft or misreporting by data furnishers. These inaccuracies are negatively impacting my credit score and causing undue harm to my financial well-being. Please see the fraudulent items below that need to be remove :. 
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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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 am submitting this complaint to report inaccurate and fraudulent address information being reported by all three major credit reporting agenciesEquifax, Experian, and TransUnionas a result of identity theft.

I did not authorize the use of the fraudulent address ( es ), nor did I reside or conduct any financial activity at the location ( s ) listed below. These false entries are damaging my credit, violating my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and are directly related to identity theft. 

Inaccurate Address ( es ) to Be Removed : XXXXXXXX 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. 1681c-2, I am requesting the removal or blocking of all information resulting from identity theft, including these false addresses, from my credit file. In accordance with 15 U.S.C. 1681i, I am also requesting a prompt investigation and correction of the inaccurate information. 

Please find attached the following documents : A copy of my government-issued photo ID Proof of address A completed FTC Identity Theft Report I respectfully request : Immediate removal of the inaccurate address ( es ) from all three credit bureaus ; A reinvestigation under FCRA guidelines XXXX A written confirmation once the false addresses have been removed or corrected. 

Please treat this as a formal identity theft-related dispute and take action within the timeframes outlined in the FCRA. I expect to be notified of the results of your investigation in writing. 

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 explanation
Consumer complaint received 2025-06-12 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: TX

Complaint narrative:
I am submitting this complaint to report inaccurate and fraudulent address information being reported by all three major credit reporting agenciesEquifax, Experian, and TransUnionas a result of identity theft.

I did not authorize the use of the fraudulent address ( es ), nor did I reside or conduct any financial activity at the location ( s ) listed below. These false entries are damaging my credit, violating my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and are directly related to identity theft. 

Inaccurate Address ( es ) to Be Removed : XXXXXXXX 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. 1681c-2, I am requesting the removal or blocking of all information resulting from identity theft, including these false addresses, from my credit file. In accordance with 15 U.S.C. 1681i, I am also requesting a prompt investigation and correction of the inaccurate information. 

Please find attached the following documents : A copy of my government-issued photo ID Proof of address A completed FTC Identity Theft Report I respectfully request : Immediate removal of the inaccurate address ( es ) from all three credit bureaus ; A reinvestigation under FCRA guidelines XXXX A written confirmation once the false addresses have been removed or corrected. 

Please treat this as a formal identity theft-related dispute and take action within the timeframes outlined in the FCRA. I expect to be notified of the results of your investigation in writing. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Credit limit changed — 
Company: Chime Financial Inc
State: AZ

Complaint narrative:
I am a Chime customer with both an Instant Loan and access to the MyPay feature ( which offers early access to funds ). I was recently informed by Chime that my MyPay feature was suspended due to my Instant Loan being 25 days late. However, I was previously told that MyPay is only affected if the loan is 30 days or more past due.

I reviewed both the Instant Loan agreement and the MyPay terms, and I found no policy or clause that explicitly states MyPay can be suspended for a loan that is under 30 days delinquent. Chime appears to be relying on vague contract language ( failure to pay debts as they come due ) to justify this action, which is not clearly tied to the MyPay feature or timeframe. 

This lack of clear policy disclosure feels misleading and unfair. I was financially harmed due to the unexpected loss of MyPay access, which I rely on for managing time-sensitive expenses. I am requesting that Chime provide specific policy references and restore access if no explicit rule exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Please remove this false and unrecognized account from my credit report, as it is not associated with me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: NC

Complaint narrative:
I am filing this complaint to report systemic misconduct by PNC Bank regarding the operation of my checking account, which was lawfully tendered and opened under a signature card agreement with the intent that it function as a credit account backed by the United States Treasury. This account has been improperly administered, violating both contractual obligations and federal credit procedures. 

Specifically, I submitted a rental lease security instrument to the account, which was dishonored without legal justification. This lease was intended as a credit instrument and special deposit. The bank refused to credit the account appropriately and has since failed to account for this deposit under proper double-entry credit procedures. The matter is under investigation. 

In addition, multiple checks and other commercial instruments submitted to the account have also been mishandled, not properly posted as credits, and the debit card fails to reflect the true credit-backed nature of the account. PNC is treating all transactions as debits without acknowledging the account 's commercial structure or the lawful credit backing of the United States under the Federal Reserve Act 16 and 12 U.S.C. 411.

I have notified PNC via lawful notices, including commercial assignments and ledger corrections, yet these were ignored or dishonored. Their failure to apply correct accounting is a violation of : UCC 3-104 and 3-603 ( Negotiable Instruments and Discharge ) Federal Reserve Act 16 Truth in Lending Act Breach of fiduciary responsibility and contract ( via the signed Signature Card ) I request that the CFPB : Investigate PNCs systemic dishonor of lawful commercial instruments ; Ensure the account is reconciled to reflect proper credit ledger postings ; Confirm that the account and debit card function as a credit-backed account under public credit ; Hold PNC accountable for all dishonored instruments and return all denied credits. 

The bank 's actions amount to ledger fraud, fiduciary neglect, and denial of lawful credit access. I am requesting a full remedy and oversight from the CFPB to bring the account into lawful compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MA

Complaint narrative:
On XXXX @ XXXXXXXX XXXX, ET, Following land phone of mine, call came : I spoke to male 's voice. I didn't hear first name, only Jefferson Capital Systems. He immediately informed me, calling about clearing my total debt : credit or? which he said I owe ... amt. {$1700.00}. Due to I track my own finances, I knew I haven't this outstanding amt. money owed to anybody. So I assumed this is SCAM. I dislike the call/s so, I stalled. I said, 'oh, I guess I left quite a lot $ , owed, hold on, I'll check it ''. Then he waited, or said words? I forget. I stalled, as I jotted down caller 's pH. #. so later I'd report this call as 'scam '. I said to him, " I'll ask my daughter, if she or I owed this money ... hold on ''. By this time, I wrote down, entire ph. # of this caller : ( XXXX ) XXXX XXXX. It's time for me say to caller, " I have not debt, for you to collect from me or, Maybe said I'm too busy talk '' Hung up my phone. 
If you CFPB need my land pH. # ( XXXX ) XXXX. ( on this report, XXXX have : my cell pH., different ). 
F.Y.I. In past XXXX to XXXX? years ( it's 2025 now ) ; I saved sm. paper my handwritten notations .. it lists date, time of a phonecall or elec. communication on a type of SCAM that I rec 'd. 
Before I began. this report, I looked in file folder, I maintain. Front labeled " SCAMs ''. I searched thru this, I can't believe, I found similar name " Jefferson Capital Sys. ph. XXXX. '' 'debt collector ' on my written 'note '.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: United PanAm Financial Corp.
State: OK

Complaint narrative:
Company united auto, refused my full payment and refused to send validation of amount they claimed I owed after refusing to except payment from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: DC

Complaint narrative:
During the month of XX/XX/XXXX, I went about changing my phone service from XXXX to XXXX XXXX. I switched from my family plan to an individual plan and, through discussions with several XXXX representatives, paid for the remaining month of XXXX on XX/XX/XXXX as per the attached screenshot to the amount of {$16.00}. I asked for my XXXX XXXX to terminate in XXXX after my XXXX XXXX service had activated on XX/XX/XXXX as per attached screenshot. However, I then received an email from XXXX on XX/XX/XXXX as per the attached screenshot claiming I had an unpaid balance of {$50.00} despite being told my service was discontinued in XXXX. I called the support phone number for XXXX repeatedly because I could not log in to my account online due to it no longer existing. Each and every time I was able to get through the automated responses to a real representative I was either told my account no longer existed, or that my balance was XXXX and I had no balance to pay. I proceeded to ignore any further emails at the recommendation of representatives from XXXX that I talked to because I was told they would eventually stop after they recognized their error. I was surprised when I was then contacted by a third party debt collector, Sequium Asset Solutions , LLC on XX/XX/XXXX. They claimed I still owed XXXX money, despite the assurance of multiple XXXX representatives I had spoken to on the phone. I was also surprised that my debt had increased from {$50.00} to {$59.00}. I have no way of using the XXXX online support because my account no longer exists, and I can not get through the phone support line 's automated service because it asks for a phone number they no longer have on record. I can not pay them, nor should I have to since I paid for my month of service and will not pay for something I did not get.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I sent several disputes to Experian starting on XX/XX/year>, to delete inaccurate accounts on my credit report. These include accounts that were paid off or are not mine. Even after providing documents, Experian has not corrected the errors, and the wrong information remains.

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 2025-06-12 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: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-06-12 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: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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