vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-08 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: AZ

Complaint narrative:
XXXX. Chauncey v. JDR Recovery Inc., 118 F.3d 516 ( 7th Cir. 1997 ) This case affirms the requirement that a debt collector must provide validation of the debt upon request and must cease collection efforts until proper validation is provided. 
XXXX. Spears v. Brennan, 745 N.E.2d 862 ( Ind. Ct. App. 2001 ) In this case, the court ruled that if a debt collector fails to validate a debt as requested, they can not continue to pursue collection activities. 
XXXX. Clark v. Capital Credit & Collection Services , Inc., 4 60 F.3d 1162 ( 9th Cir. 2006 ) This case highlights the necessity for a debt collector to provide accurate and complete information about the debt in question when validation is requested. 
Failure to comply with my request may constitute a violation of both the FDCPA and FCRA, and I reserve the right to pursue legal remedies to protect my rights. Please respond to this request within 30 days, as required by law. 
Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C.

1692 ( g ), I am formally requesting validation of this debt. 
According to the FDCPA, I am entitled to request and obtain verification of any alleged debt that a debt collector claims I owe. Specifically, I request : XXXX. Proof that your company is legally entitled to collect this debt. This includes any contracts, agreements, or assignments that show that you have the authority to collect on this debt. 
XXXX. Detailed accounting of the alleged debt, including a breakdown of the amount you claim I owe and how it was calculated. 
XXXX. Proof that I am the correct debtor. This includes any signed agreements or contracts that bear my signature and that demonstrate my legal obligation to pay this debt. 
If you claim these items are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with these items bearing my signature, as I believe none exists. When you find no signed agreement bearing my signature, I need you to remove these items from my file. 
Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. 
If you choose to ignore my request to block these items, I will be referring this matter to my attorney for further action. Please do not make this a litigious matter... 
Lastly, you have 30 days to complete this investigation, as per Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to E-OSCAR or any means of automated verification. 
Sincerely,

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 2025-06-08 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: FL

Complaint narrative:
I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by Equifax Information Services LLC. Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing. 
Details of the Complaint : XXXX. Failure to Ensure Maximum Possible Accuracy The FCRA requires that credit bureaus and creditors ensure the accuracy of the information they report. My credit report contains inaccurate entries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that remain unverified despite formal disputes, causing significant harm to my credit score and credibility. Previous attempts to address these inaccuracies have been inadequately handled, demonstrating a failure to uphold FCRA standards for accuracy. 
XXXX. Inadequate Investigation and Reliance on Automated Verification Systems Under FCRA, 15 U.S.C. 1681i ( a ) ( 7 ) and 1681s-2, creditors and credit bureaus must conduct thorough investigations of disputed information. However, my previous disputes have been met with automated responses through systems like e-OSCAR, which fail to meet legal requirements for a complete investigation. This approach neglects a comprehensive review of the disputed entries, perpetuating inaccurate information on my report.

11. Non-Compliance with Truth in Lending Act ( TILA ) Requirements As outlined in TILA, creditors must issue clear and accurate billing statements and disclose essential account information to consumers. Equifax Information Services LLC has not adhered to TILA requirements in handling my account, resulting in erroneous charges and inaccurate reporting. This failure to comply with TILA has compounded the inaccuracies on my credit report, further violating my rights as a consumer.

12. Violation of FDCPA Standards for Accuracy and Non-Deceptive Practices The FDCPA mandates that debt collectors and furnishers of information must report accurate, verifiable data. The accounts in question have been repeatedly reported inaccurately, with misleading information that has not been corrected despite my disputes, constituting a violation of FDCPA protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: GA

Complaint narrative:
Someone hacked my chime and transfered the money I had being sent to me into their XXXX XXXX. I live in XXXX  and the transfers were in XXXX. I filed dispute with chime but they said no error was found. Total loss was XXXX XXXX Someone changed my email and phone number on my account but I didn't see the email notifying me until days later. I called the customer support and changed all my login info back. My case was closed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: NV

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: GA

Complaint narrative:
I disputed a transaction with Chime regarding a charge on [ XX/XX/year> ] for [ XXXX ] from [ XXXX ]. The transaction was [ unauthorized/I did not receive what I paid for/the item was defective ], and I submitted supporting documentation. Despite this, Chime denied my dispute without giving a full explanation or resolving the issue properly. 

I have contacted customer support multiple times and received no helpful response. I formally requested an appeal and/or a written explanation but received none. 

This is a violation of Regulation E, which protects consumers from unauthorized or improper electronic transactions. I am requesting the CFPB investigate and require Chime to issue a refund.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 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: AZ

Complaint narrative:
TransUnion DELETED the following fraudulent account on XX/XX/year> : XXXX XXXXXXXX XXXX XXXXXXXX # XXXX BAL : {$0.00} Now on XX/XX/year>, TransUnion has allowed XXXX XXXXXXXX XXXX XXXXXXXX to repost this fraudulent account onto my credit report. 

Both TRANSUNION and XXXX XXXX XXXX XXXXXXXX are violating my rights by knowingly furnishing fraudulent information on my credit report. 

This illegal activity is hindering me from buying a home and securing business funding.

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 2025-06-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
As I have stated on XXXX previous occasions and as confirmed in multiple conversations with XXXX Customer Service there is no outstanding balance due on my account. Here are the facts : I opened XXXX line with XXXX under the premise that, if coverage extended to my home as advertised, I would consider adding XXXX additional lines. 
The store manager advised me to test the line at home and cancel if the coverage did not meet expectations. 
The service did not work at my home, so I canceled the line within the trial period and was assured there would be no penalties. 
Despite poor service, I still paid over {$130.00} for 30 days of unusable service a situation that arguably warrants a refund, not a collection effort. 
XXXX has confirmed this in their system with recorded calls and digital case notes and acknowledged that no further payment is due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CarMax, Inc.
State: NC

Complaint narrative:
NOTICE TO ALL CREDIT REPORTING AGENCIES AND PURPORTED LENDERS/CREDITORS RE : ESTATE CONTROL, ORIGINAL CREDITOR STATUS, TRUST CONVEYANCE & UNLAWFUL TRESPASS WARNING Let it be known, recorded, and enforced by the Law of the Land : Account XXXX  XXXX I, XXXX XXXX XXXX XXXX a very living man, XXXX XXXX XXXX XXXX XXXX XXXX, domiciled upon the landmass known as the North Carolina XXXX  , hereby and irrevocably declare my standing as a Private American National , North Carolinian National , and XXXX XXXX  , operating in full private capacity and non-corporate status.

I am the Original Creditor, Lawful Executor, and Holder in Due Course of the ESTATE formerly styled in ALL XXXX XXXX XXXX XXXX XXXX, now conveyed into the XXXX XXXX XXXX XXXX, a XXXXrivate Foreign Express Trust created under Common Law jurisdiction, with all legal and equitable interests, securities, and credits secured therein.

I am not surety nor debtor. I am not a subject of the United States Corporation nor an agent thereof.

All rights, titles, assets, and interests associated with the ESTATE are now under the private and sovereign protection of the Trust. Any claim, report, collection effort, or communication issued against said Estate or Trust without verified written consent and contract with me constitutes : Trespass upon Private Indigenous Trust Property Constructive Fraud and Unauthorized Commercial Activity Mail Fraud under 18 U.S.C. 1341 Defamation of Character and publication of false and injurious data Violation of the Fair Credit Reporting Act ( FCRA ) Breach of International Human Rights and Treaty Obligations Supporting record evidence includes, but is not limited to : Recorded Status Correction Affidavit Declaration of Express Trust XXXX XXXX XXXX XXXX  Security Agreement and Non-UCC Promissory Note Power of Attorney Fiduciary Appointment Declaration Full Faith & Credit Public Notice You are hereby given constructive notice and lawful warning : Cease and desist immediately from all unlawful claims, reports, adverse actions, and unauthorized access or interference with the private Estate or Trust. Any further attempts shall invoke the issuance of : Notices of Liability Commercial Affidavits of Claim UCC Security Interest Filings International Commercial Liens Civil and Criminal Claims under both domestic and international jurisdiction This Notice shall be deemed self-executing and binding upon all public and private actors who receive or are made aware of it.

Notice to Agent is Notice to Principal. Notice to Principal is Notice to Agent.

Executor & Original Creditor : By XXXX XXXX XXXX XXXX  sui juris Very Living Man, XXXX XXXX XXXX XXXX North Carolinian National, XXXX XXXX XXXX XXXX Authorized Executor & Beneficial Owner XXXX XXXX XXXX XXXX  Non-Domestic Without the U.S. 
c/o XXXX XXXX XXXX, XXXX, North Carolina XXXX All Rights Reserved UCC 1-308, UCC 1-103 , UCC 3-419, Treaty Rights Reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: AR

Complaint narrative:
I sent Experian the information disputing XXXX accounts and informed them they were breaking XXXX laws with each account. They didnt delete any account. Informed them that the accounts didnt have rights to even belong on my credit report, but they chose to ignore 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 2025-06-08 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: TN

Complaint narrative:
I am filing a formal complaint as a victim of identity theft. I have attached my FTC Identity Theft Report ( # XXXX ) and supporting documentation. 

After reviewing my credit reports, I discovered multiple unauthorized hard inquiries and fraudulent or derogatory accounts that I did not apply for, authorize, or initiate. These accounts and inquiries are harming my credit, and I have no business relationship with many of the companies listed. 

Specifically, there are inquiries from creditors such as XXXX  XXXX, XXXX, XXXX  XXXX, and XXXX XXXX on XXXX separate dates each. These appear on Experian, Equifax, and TransUnion, without my knowledge or consent. 

Additionally, several collections and charge-off accounts are reporting inaccurately under my name. I did not open these accounts, nor did I authorize their reporting : XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX {$580.00} XXXX XXXX  {$360.00} XXXX XXXX XXXX  {$500.00} XXXX XXXXXXXX ( 2019 ) charge-off with {$0.00} balance XXXX XXXX XXXX  marked as collection despite {$0.00} balance XXXX XXXX marked 60 days late despite being paid These items are being reported in violation of the Fair Credit Reporting Act ( FCRA ) and FACTA, specifically : 1681b Permissible purpose for inquiries 1681s-2 ( a ) ( 1 ) ( A ) Accurate reporting by furnishers 1681i Duty to reinvestigate disputed items 605B Obligation to block identity theft-related items I am requesting a full investigation by the credit bureaus and any creditors listed. If no signed authorization or valid documentation can be provided, I request the immediate removal of these items. 

Thank you for your assistance in correcting these errors and protecting my identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 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: TN

Complaint narrative:
I am filing a formal complaint as a victim of identity theft. I have attached my FTC Identity Theft Report ( # XXXX ) and supporting documentation. 

After reviewing my credit reports, I discovered multiple unauthorized hard inquiries and fraudulent or derogatory accounts that I did not apply for, authorize, or initiate. These accounts and inquiries are harming my credit, and I have no business relationship with many of the companies listed. 

Specifically, there are inquiries from creditors such as XXXX  XXXX, XXXX, XXXX  XXXX, and XXXX XXXX on XXXX separate dates each. These appear on Experian, Equifax, and TransUnion, without my knowledge or consent. 

Additionally, several collections and charge-off accounts are reporting inaccurately under my name. I did not open these accounts, nor did I authorize their reporting : XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX {$580.00} XXXX XXXX  {$360.00} XXXX XXXX XXXX  {$500.00} XXXX XXXXXXXX ( 2019 ) charge-off with {$0.00} balance XXXX XXXX XXXX  marked as collection despite {$0.00} balance XXXX XXXX marked 60 days late despite being paid These items are being reported in violation of the Fair Credit Reporting Act ( FCRA ) and FACTA, specifically : 1681b Permissible purpose for inquiries 1681s-2 ( a ) ( 1 ) ( A ) Accurate reporting by furnishers 1681i Duty to reinvestigate disputed items 605B Obligation to block identity theft-related items I am requesting a full investigation by the credit bureaus and any creditors listed. If no signed authorization or valid documentation can be provided, I request the immediate removal of these items. 

Thank you for your assistance in correcting these errors and protecting my identity.

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 2025-06-08 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:
This CFPB complaint has been filed to request pursuant to FCRA section 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, and XXXX  credit reporting agencies, block information appearing on my consumer credit report that is the result of Identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX account # XXXX opened on XX/XX/year> bal {$2200.00}

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 explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Fidelity Properties Inc.
State: SC

Complaint narrative:
Account XXXX XXXX XXXX, I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. if not, please delete the collection under Account XXXX  XXXX XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I formally dispute the inaccurate reporting of my account across multiple credit bureaus. The discrepancies include inconsistencies in account opening and last active dates, variations in credit limits, and conflicting charge-off statuses. Specifically, the 'Date Last Active ' predates the 'Date Opened, ' which is an impossible sequence. Additionally, my credit limit is inconsistently reported, ranging from {$0.00} to {$100.00}, despite a high balance of {$420.00}. The account is marked as charged-off, but the balance and past-due amount are listed as {$0.00}, contradicting standard charge-off reporting. Furthermore, my payment history is inconsistent across bureaus, with some marking months as 'OK ' while others reflect a 'CO ' ( Charge-Off ) status. These errors negatively impact my credit standing, and I request immediate deletion to ensure accurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
they are not investigating properley on my credit report. They have not sent any debt validation letters for chain of debt.

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 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
they are not investigating properley on my credit report. They have not sent any debt validation letters for chain of debt.

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