vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-01 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: CA

Complaint narrative:
My credit report shows late payments that arent accurate. Ive disputed these with the credit bureaus, but the issue still hasnt been resolved. The account in question shows late payments, even though Ive always paid on time as agreed. Ive asked the credit bureaus to provide proof of these late payments, but they havent given me any real documentation to back up the claim. Because of this, the incorrect information is still on my report, which is hurting my credit score.

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 2025-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
i received a XXXX from XXXX  vis XXXX Mail in XXXX, 2025. I never applied for the card. I called their customer service and cancelled the card on XXXX/XXXX/25. They cancelled the card and opened an investigation, # 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 2025-03-01 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 Regarding Identity Theft and Failure to Block Fraudulent Information Dear Consumer Financial Protection Bureau, I am filing this complaint regarding a severe case of identity theft and the failure of credit reporting agencies to block and remove fraudulent information from my credit report as required by law.

Summary of the Issue : I discovered that fraudulent accounts were opened in my name due to a data breach involving XXXX XXXX XXXX, which compromised my personal information. When I attempted to access my credit profile, multiple representatives informed me that I was unable to do so, further supporting my claim of identity theft. 

Despite repeated disputes and requests, the credit reporting agencies have failed to update my personal information or remove the fraudulent accounts, violating my consumer rights under the Fair Credit Reporting Act ( FCRA ). They have also refused to provide the method of verification for these disputed accounts. 

Violations of Consumer Protection Laws : The credit reporting agencies actionsor lack thereofconstitute multiple legal violations, including but not limited to : 15 U.S.C. 1681i ( a ) ( 6 ) : Failure to provide the method of verification for disputed accounts.

15 U.S.C. 1681c-2 : Failure to block fraudulent information upon request.

15 U.S.C. 1681b ( g ) : Failure to properly safeguard my personal data.

15 U.S.C. 1681s-2 : Failure of data furnishers to ensure accuracy in reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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: GA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in 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 2025-03-01 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: NY

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX  - XX/XX/XXXX - {$710.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1400.00} XXXX - XXXX XXXX  - XX/XX/XXXX - {$3200.00}

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 2025-03-01 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: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/year> I looked at my credit report, and I noticed some inaccuracies. I sent a letter to Equifax on XX/XX/scrub> 2025 asking them to investigate these accounts : XXXX XXXXXXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX. I sent it certified mail. on XX/XX/scrub> 2025 they sent me their investigation and said these accounts are verified and accurate. These were the complaint tracking # 's from the cfpb complaint/resonse : XXXX. And according to 15 USC 1681i ( 5 ) I see it states after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, if an item of the information is found to be inaccurate or incomplete or can not be verified. The credit bureaus did not re-investigate and violated my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL

Complaint narrative:
I am formally contesting the following transactions, which Chime has denied in violation of my consumer rights : XX/XX/XXXX, {$XXXX} to XXXX XXXX  XXXX ( XXXX ) : This transaction represents a purchase of event tickets. I contend that the merchant engaged in deceptive and unfair trade practices, specifically price gouging, which constitutes a material misrepresentation. Furthermore, the merchant 's prior published refund policy, upon which I relied when making the purchase, was subsequently abrogated, resulting in financial detriment. This constitutes a breach of implied contract and a violation of consumer protection principles. I assert that Chime 's denial of my dispute demonstrates a failure to conduct a reasonable investigation and a disregard for my rights as a consumer to be protected from unfair and deceptive practices. 
XX/XX/XXXX, {$XXXX} to XXXX XXXX ( XXXX transactions totaling this amount ) : These transactions were for services that have not been rendered as of XX/XX/XXXX. This constitutes a failure of consideration and a breach of contract. Chime 's refusal to reverse these charges demonstrates a failure to uphold its obligations under the Electronic Fund Transfer Act ( XXXX ) and Regulation XXXX, which mandate that financial institutions investigate and resolve errors promptly. I demand that Chime comply with its obligations under these regulations and reverse these unauthorized and erroneous transactions. 
Chime 's actions constitute a pattern of unfair dispute resolution practices, demonstrating a disregard for consumer protection laws. I assert that Chime has failed to provide a reasonable investigation of my disputes, and that they have failed to provide me with a reasonable opportunity to correct errors on my account. I believe that Chime has acted in bad faith. I am requesting that the CFPB investigate Chimes actions for potential violations of the XXXX, Regulation XXXX, and other applicable consumer protection laws. I am also requesting that the CFPB investigate Chimes dispute resolution process for unfair, deceptive, or abusive acts or practices ( UDAAP )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: NJ

Complaint narrative:
I have recently discovered that my credit report contains incorrect personal information, which has led to the appearance of accounts and transactions that do not belong to me. This ongoing issue is deeply concerning, as it is causing unnecessary XX/XX/XXXXand negatively impacting my financial well-being.

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 2025-03-01 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: VA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX & XXXX XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX,XX/XX/XXXX- XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXXXX/XX/XXXXXX/XX/XXXX, XXXX XXXXXX/XX/XXXX- XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXX/XX/XXXX, XXXX XX/XX/XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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: MA

Complaint narrative:
Kindly block and remove the unauthorized accounts from my credit report at your earliest convenience. I did not create or authorize these accounts and am unaware of their origins. In accordance with USC 1681g, I formally request their removal within 15 days. Enclosed are supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Incorrect information reported from American express

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: GA

Complaint narrative:
I hope you're doing well. I'm reaching out because I've discovered something alarming on my credit report that I need to have addressed immediately. It seems that there is an account listed that was opened using my identity without my permission. This is a clear case of fraudulent activity, and I want to make it very clear that I had no involvement in opening this account.

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 2025-03-01 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: IL

Complaint narrative:
I have never had an account with XXXX XXXX nor have I signed a contract or accepted anything from this company. If this company or the Bureaus refuse to delete this account I will enforce my right to sue under all avenues. I have received the dispute results that your company has sent me, however, they have failed to make ANY corrections whatsoever NOTHING WAS CORRECTED ZERO, ZILCH, NADA. So, Im just so XXXX XXXX XXXX XXXX XXXX  and hurt right now. Because while I understand that it may not necessarily be your fault, the fact of the matter is that this agency is still reporting and selling inaccurate information about me even though there are credit reporting laws which are supposed to ensure they report only accurate credit information. Your agency has blatantly ignored my dispute and have responded to me with these accounts being updated or remaining. Nonetheless, I have found 0 updates and have contacted creditors who have confessed to having no record of a dispute about me from your agency. This makes me absolutely sick to my stomach as Im sure it would the same for you if you were in my shoes! Regardless of what, Im writing to let you know that Ive been advised by legal counsel that Im entitled to recover money damages because of this.

Every last one of these accounts are reporting information which varies from bureau to bureau so that in and of itself proves that these accounts are reporting inaccurately AND ALSO for some of them - I'm not even sure what they are so by the provisions of 15 USC, section 168li of the Fair Credit Reporting Act, I demand a re-investigation and deletion of these accounts and if you or your agency refuses to do so, I demand the names and addresses of the Resident Agent or Corporate Officers of this agency who are going to accept the responsibility of your actions in this matter. Unless immediately notified otherwise, Im going to assume that 30 days constitutes more than enough Reasonable Time for the re-investigation and correction of my credit report. I'm entitled to validation of this account and not the E-Oscar verification that you're doing to make money from this account and your refusal to delete. I'm entitled to a contract which is something the courts will ask for when I take this case before this upon the refusal to delete this account which doesn't belong to m.e.

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 2025-03-01 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: IL

Complaint narrative:
I have never had an account with XXXX XXXX nor have I signed a contract or accepted anything from this company. If this company or the Bureaus refuse to delete this account I will enforce my right to sue under all avenues. I have received the dispute results that your company has sent me, however, they have failed to make ANY corrections whatsoever NOTHING WAS CORRECTED ZERO, ZILCH, NADA. So, Im just so XXXXXXXX XXXX XXXX XXXX XXXX  and hurt right now. Because while I understand that it may not necessarily be your fault, the fact of the matter is that this agency is still reporting and selling inaccurate information about me even though there are credit reporting laws which are supposed to ensure they report only accurate credit information. Your agency has blatantly ignored my dispute and have responded to me with these accounts being updated or remaining. Nonetheless, I have found 0 updates and have contacted creditors who have confessed to having no record of a dispute about me from your agency. This makes me absolutely sick to my stomach as Im sure it would the same for you if you were in my shoes! Regardless of what, Im writing to let you know that Ive been advised by legal counsel that Im entitled to recover money damages because of this.

Every last one of these accounts are reporting information which varies from bureau to bureau so that in and of itself proves that these accounts are reporting inaccurately AND ALSO for some of them - I'm not even sure what they are so by the provisions of 15 USC, section 168li of the Fair Credit Reporting Act, I demand a re-investigation and deletion of these accounts and if you or your agency refuses to do so, I demand the names and addresses of the Resident Agent or Corporate Officers of this agency who are going to accept the responsibility of your actions in this matter. Unless immediately notified otherwise, Im going to assume that 30 days constitutes more than enough Reasonable Time for the re-investigation and correction of my credit report. I'm entitled to validation of this account and not the E-Oscar verification that you're doing to make money from this account and your refusal to delete. I'm entitled to a contract which is something the courts will ask for when I take this case before this upon the refusal to delete this account which doesn't belong to m.e.

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 2025-03-01 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have never had an account with XXXX XXXX nor have I signed a contract or accepted anything from this company. If this company or the Bureaus refuse to delete this account I will enforce my right to sue under all avenues. I have received the dispute results that your company has sent me, however, they have failed to make ANY corrections whatsoever NOTHING WAS CORRECTED ZERO, ZILCH, NADA. So, Im just so XXXX XXXX XXXXnd XXXX XXXX and hurt right now. Because while I understand that it may not necessarily be your fault, the fact of the matter is that this agency is still reporting and selling inaccurate information about me even though there are credit reporting laws which are supposed to ensure they report only accurate credit information. Your agency has blatantly ignored my dispute and have responded to me with these accounts being updated or remaining. Nonetheless, I have found 0 updates and have contacted creditors who have confessed to having no record of a dispute about me from your agency. This makes me absolutely sick to my stomach as Im sure it would the same for you if you were in my shoes! Regardless of what, Im writing to let you know that Ive been advised by legal counsel that Im entitled to recover money damages because of this. 
Every last one of these accounts are reporting information which varies from bureau to bureau so that in and of itself proves that these accounts are reporting inaccurately AND ALSO for some of them - I'm not even sure what they are so by the provisions of 15 USC, section 168li of the Fair Credit Reporting Act, I demand a re-investigation and deletion of these accounts and if you or your agency refuses to do so, I demand the names and addresses of the Resident Agent or Corporate Officers of this agency who are going to accept the responsibility of your actions in this matter. Unless immediately notified otherwise, Im going to assume that 30 days constitutes more than enough Reasonable Time for the re-investigation and correction of my credit report. I'm entitled to validation of this account and not the E-Oscar verification that you're doing to make money from this account and your refusal to delete. I'm entitled to a contract which is something the courts will ask for when I take this case before this upon the refusal to delete this account which doesn't belong to m.e.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/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