vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-01 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: FL

Complaint narrative:
I reviewed my credit report and noticed inaccurate personal information listed under my file. Specifically, the report contains incorrect/misleading data such as outdated addresses, unauthorized addresses, or misspelled names that I have no connection to. 

This misinformation is affecting the accuracy of my credit report and may impact my ability to obtain credit or other financial services. According to Fair Credit Reporting Act ( FCRA ), it requires that only accurate and verifiable information remain on a consumers file. Despite my good-faith efforts to resolve the matter directly, I have not received a timely or satisfactory response. Therefore, I am filing this complaint with the CFPB and requesting your assistance in ensuring that this inaccurate personal information is corrected or removed from my credit file.

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 2025-04-01 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: AZ

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - XXXX Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: TX

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time. 

I demand the late payment reported to be removed/updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Chime Financial Inc
State: CO

Complaint narrative:
On XX/XX/2025 I received two pieces of mail from Chime. One letter contained a VISA Debit card, the other was a VISA Credit card. Both were actual cards, not advertisements that were fake. Both had activation QR codes. I did not apply for these cards. These cards were applied for fraudulently by someone who I do not know and who does not have my authorization to do so. 

I called Chime customer service ( Same date as above at XXXX hours ) and spoke to a male on the phone whom I provided with my name and the account number provided with the Chime debit card. I explained the situation to this male. This male stated he could not close the account without my date of birth. As these cards were opened fraudulently, I refused to provide my XXXX, as I never opened the account! This male stated he could not help me unless a claim was made through this site. The male could not/would not provide anyone else for me to talk to regarding the matter. 

I want the account closed. 
I want written confirmation from Chime that the account will not be reported to any credit bureau, harming my credit. 
I would like to know if any other accounts were opened up in my name through Chime.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: IL

Complaint narrative:
Account got hacked fraudulently and they would not work with me on it. I want this removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-04-01 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:
Per the guidance from the Consumer Financial Protection Bureau ( CFPB ), this account is fraudulent and was opened without my authorization. As a victim of identity theft, I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605b of the Fair Credit Reporting Act. I am a victim of Identity theft and would like for all listed accounts to be blocked and deleted company information. Equifax. Please delete the following accounts XXXX. CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: Synovus Bank
State: MD

Complaint narrative:
I am sending to address the adverse marks on my credit file that have been attributed to me. While I would willingly acknowledge and assume responsibility for any valid debts, I am unable to do so in this case without Proper Validation and Proof Of Claim. As per the Fair Debt Collection Practices Act ( XXXX  ), I am formally requesting comprehensive validation of the alleged debt. 

I seek evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : Complete payment history, as per the precedent set by XXXX v XXXX, XXXX XXXX XXXX ; XXXX XXXX. App. XXXX  XXXX. Provide a detailed verification by line item, including information on the purchase date, itemized amounts, receipt of goods, and any relevant details directly from the Original Creditor. 
Date of Last Activity. 
Full, accurate social security number that may help to identify me as the correct person you are trying to collect from. 
Agreement that bears the signature of the alleged debtor, indicating the commitment to pay the original creditor. 
The obligation between your company SYNVS/FD, XXXX, XXXX and me that authorizes the collection of the alleged debt, along with any transactions binding me to an agreement to pay your company. 

Proof of photo identification ( i.e., driver 's license, state identification card, or other government issued identification card ) presented at the time of incurring the debt. 
Letter of sale or assignment from the original creditor to your company, including any agreement with your client granting the authority to collect on this alleged debt. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXX XXXX XXXX XXXX Services, XXXX, XXXX XXXX XXXX ( D.Conn., XXXX XXXX, XXXX ) - information relating to the purchase of a bad debt is not proprietary or burdensome. 
Any other pertinent information regarding the creation of the debt by your collection agency like ( XXXX. Where the debt originated from, XXXX. ) The sum paid by the bad debt buyer for the plaintiff 's debt, XXXX. ) How the total amount was determined, and XXXX ) A list of documents that authorize the collection of debts. )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: GA

Complaint narrative:
Subject : Complaint Against XXXX XXXX XXXX  FCRA & FDCPA Violations Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX XXXX XXXX  concerning inaccurate, unverifiable, and damaging information being reported on my credit reports. 

Account Information : Creditor : XXXX XXXX XXXX Issue : Charged-off credit card account with high balance reported without validation Violations : FDCPA 809 : Failure to validate alleged debt FCRA 623 ( a ) ( 1 ) ( A ) : Reporting inaccurate information without proper investigation FCRA 609 ( a ) ( XXXX ) : Failure to provide verification of the account XXXX XXXX XXXX is reporting a charged-off credit card account with a high balance owed. I have requested verification of this account, including a signed agreement and detailed account statements, but have not received valid proof that this debt belongs to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: GA

Complaint narrative:
Subject : Complaint Against XXXX XXXX XXXX  FCRA & FDCPA Violations Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX XXXX XXXX  concerning inaccurate, unverifiable, and damaging information being reported on my credit reports. 

Account Information : Creditor : XXXX XXXX XXXX Issue : Charged-off credit card account with high balance reported without validation Violations : FDCPA 809 : Failure to validate alleged debt FCRA 623 ( a ) ( 1 ) ( A ) : Reporting inaccurate information without proper investigation FCRA 609 ( a ) ( XXXX ) : Failure to provide verification of the account XXXX XXXX XXXX is reporting a charged-off credit card account with a high balance owed. I have requested verification of this account, including a signed agreement and detailed account statements, but have not received valid proof that this debt belongs to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: GA

Complaint narrative:
Subject : XXXX XXXX XXXX XXXX FCRA XXXX FDCPA XXXX Dear Consumer Financial Protection Bureau XXXX XXXX am submitting a formal complaint against Celtic Bank XXXX XXXX XXXX for XXXX and unverifiable reporting on my credit reports. 

Account Information : Creditor : XXXX Bank XXXX XXXX XXXX XXXX : Account reported as " Purchased by another lender '' without verification or accurate ownership information Violations : FCRA 623 ( a ) ( 1 ) ( A ) : Reporting inaccurate information without proper investigation FCRA 609 ( a ) ( 1 ) : Failure to provide verification and ownership documentation FDCPA 807 : Reporting misleading and unverifiable information This account is being reported as " Purchased by another lender '' without disclosing accurate ownership or proof that the debt is valid and belongs to me. I have requested verification but have not received any supporting documentation.

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 2025-04-01 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: CT

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S code 1681e ( b ) accuracy of report 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.

15 U.S code 1681i ( 5 ) treatment of an accurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) 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 ) probably notified the furnisher of that information, the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : 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 non-monetary relief
Consumer complaint received 2025-04-01 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: CT

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S code 1681e ( b ) accuracy of report 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.

15 U.S code 1681i ( 5 ) treatment of an accurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) 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 ) probably notified the furnisher of that information, the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: CA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed a fraudulent account on my credit report. Please remove this fraudulent account from my credit report. It is hurting my ability to obtain credit.

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 2025-04-01 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 recently reviewed a copy of my credit report and noticed a fraudulent account on my credit report. Please remove this fraudulent account from my credit report. It is hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: NY

Complaint narrative:
YOU ARE REPORTING AN ACCOUNT THAT IS INACCURATE ON MY CONSUMER REPORT. THE ACCOUNT IS REPORTING DIFFERENT DATES OF LAST ACTIVITY AND INACCURATE PAYMENT HISTORY BETWEEN EQUIFAX, TRANSUNION, AND EXPERIAN. THIS IS A VIOLATION OF THE FCRA AND THIS ITEM MUST BE DELETED FROM MY CONSUMER REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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:
YOU ARE REPORTING AN ACCOUNT THAT IS INACCURATE ON MY CONSUMER REPORT. THE ACCOUNT IS REPORTING DIFFERENT DATES OF LAST ACTIVITY AND INACCURATE PAYMENT HISTORY BETWEEN EQUIFAX, TRANSUNION, AND EXPERIAN. THIS IS A VIOLATION OF THE FCRA AND THIS ITEM MUST BE DELETED FROM MY CONSUMER REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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 filing this complaint to demand accountability for the blatant disregard of my rights by the credit bureaus, who have willfully ignored their obligations under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C.

1681c-2, Section 605B. As a documented victim of a data breach, with proof of compromised personal information, I provided the required evidence and formal identity theft report to have fraudulent entries removed from my credit file. 
Despite my compliance, the bureaus have refused to block the inaccurate information, resulting in severe damage to my financial standing and personal reputation. This is a clear and unlawful violation of consumer protections, and I demand immediate corrective action by the Consumer Financial Protection Bureau ( CFPB ). If these egregious violations are not addressed promptly, I am fully prepared to initiate litigation to hold the bureaus accountable and recover full damages for the harm inflicted upon me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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 filing this complaint to demand accountability for the blatant disregard of my rights by the credit bureaus, who have willfully ignored their obligations under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C.

1681c-2, Section 605B. As a documented victim of a data breach, with proof of compromised personal information, I provided the required evidence and formal identity theft report to have fraudulent entries removed from my credit file. 
Despite my compliance, the bureaus have refused to block the inaccurate information, resulting in severe damage to my financial standing and personal reputation. This is a clear and unlawful violation of consumer protections, and I demand immediate corrective action by the Consumer Financial Protection Bureau ( CFPB ). If these egregious violations are not addressed promptly, I am fully prepared to initiate litigation to hold the bureaus accountable and recover full damages for the harm inflicted upon 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 2025-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Blockchain.com, Inc.
State: FL

Complaint narrative:
Over one year ago I was contacted by XXXX to tell me they were no longer handling crypto. We had invested in Bit COIN through XXXX. XXXX then transferred our coin to the company XXXX XXXX. Once that happened I was never Able to access my funds. I contacted XXXX XXXX multiple times. They said they would contact XXXX XXXX but we were never allowed to call them or even have a contact number. They would then email these extremely long and very confusing links to access my account that never worked. There were so many steps and it would take a long time. It would require a long verification process. Then it would say we were verified. When I tried to log in, it would say I needed to verify myself again. I believe this may be purposeful. I again called XXXX XXXX as they are responsible for placing my XXXX XXXXXXXX with XXXX XXXX. I did a search on complaints about XXXX XXXX and many others are saying they are experiencing the same issue and cant access their funds. I thought I might have been doing something wrong in the lengthy log in process so my wife tried, she experienced the exact same thing. There is not even a way to reset a password. 
Im afraid this may be a scam as so many people are saying the same thing. 
We need your help. 
Thank you XXXX XXXX

Company response to consumer: Closed with explanation