vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-29 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: NM

Complaint narrative:
Please address multiple phishing attempts via email ( weekly in XXXX, XXXX and XXXX ) giving false alerts on an account balance and including the Experian logo and a false Experian email. We also forwarded these phishing attempts to the appropriate Experian email site to report them.

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 2025-06-29 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: SC

Complaint narrative:
After reviewing my credit report I have notice that I have fraudulent accounts listed on my credit reports. I have been a victim of identity theft. The negative accounts have hurt my ability to obtain new credit. Please remove the negative collections/ accounts from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: CA

Complaint narrative:
I recently reviewed my credit report and found numerous accounts and inquires, which I have no knowledge of. These are the fraudulent accounts and inquires I have found. 

Accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-29 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently reviewed my credit report and found numerous accounts and inquires, which I have no knowledge of. These are the fraudulent accounts and inquires I have found. 

Accounts : 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 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 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Chime Financial Inc
State: PA

Complaint narrative:
In 2024 I got a instant loan from chime for XXXX dollars. I paid it off early. My credit reports state i haven't paid them off. I have been contacting chime and the credit places and they give me the run around stating that they will contact eachother. When the credit bureaus contact chime chime will then day a email that the information is correct even though I have proof it isnt.

Ive learned now that chime is a terrible company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
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 XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXhese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of collections and charge-offs in question as well as a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and charge-offs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and charge-offs 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 2025-06-29 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: MS

Complaint narrative:
I have sent multiple letters to Equifax, Experian, and Transunion. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a 3 bureau table. Please assist me in getting this issue resolved.

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 2025-06-29 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: MS

Complaint narrative:
I have sent multiple letters to Equifax, Experian, and Transunion. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a 3 bureau table. Please assist me in getting this issue resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: KS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , 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 a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a personal loan account opened at XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$420.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 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 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am formally disputing the accuracy and legality of the above-referenced item under my rights granted by the Fair Credit Reporting Act ( 15 U.S. Code 1681 et seq. ). 

This account is being reported as a collection account with an original creditor listed as XXXX, and an outstanding balance of {$170.00}. However : I have not received any legally sufficient debt validation as required by the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). 

The account has been marked disputed since XX/XX/year>, yet no updated verification or changes have been reported in violation of 15 U.S.C. 1681i ( a ) ( 5 ). 

This entry appears to be incomplete, lacking necessary supporting documentation, violating 15 U.S.C. 1681e ( b ), which mandates credit bureaus to report only information with maximum possible accuracy. 

Further, should this account be the result of identity theft or fraud, I reserve the right to invoke 15 U.S.C. 1681c-2 and request immediate and permanent blocking of the entry.

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 2025-06-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: IL

Complaint narrative:
I asked XXXX XXXX for account verification for a fake XXXX account and even asked them for a settlement amount just so I can get it off my credit report as its holding me up from getting my house loan, to no avail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: AL

Complaint narrative:
I submitted a FTC Report Number XXXX and listed the accounts there wasn't enough room to list this fraudulent account but it is : XXXX XXXX XXXX acct XXXX XXXX Experian, TransUnion and Equifax have opted to ignore the laws governing the FCRA and opt to do thier socalled investigation and operate outside of compliance, make them follow the law I filed contacted each of them earlier this year and nothing was done or said to me whatsoever.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: AL

Complaint narrative:
I submitted a FTC Report Number XXXX and listed the accounts there wasn't enough room to list this fraudulent account but it is : XXXX XXXX XXXX acct XXXX XXXX Experian, TransUnion and Equifax have opted to ignore the laws governing the FCRA and opt to do thier socalled investigation and operate outside of compliance, make them follow the law I filed contacted each of them earlier this year and nothing was done or said to me whatsoever.

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 2025-06-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of America Ltd.
State: GA

Complaint narrative:
Supplemental Complaint Regarding : Collection Bureau of America XXXX XXXX XXXX XXXX XXXX Original Complaint ID : XXXX Submitted to CFPB : XX/XX/2025 This is a follow-up to my previously submitted complaint against Collection Bureau of America and the major credit bureaus regarding a collection account ( AccounXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) allegedly placed by XXXX XXXX XXXX  XXXX XXXX The company responded to the complaint only by stating they forwarded to original creditor, XXXX XXXX. 

To date ( over XXXX  days later ), I have received no validation, no supporting documentation, and no confirmation of proper notice as required by the Fair Debt Collection Practices Act ( FDCPA 809 ) and Fair Credit Reporting Act ( FCRA 1681i, 1681e ( b ), 1681s-2 ( a ) ). 

The response from the company is insufficient and does not meet the legal requirement of verifying the debt before furnishing information to the credit bureaus. In accordance with FCRA 1681i ( a ), because the furnisher failed to verify or validate the debt within the legally required timeframe, the credit bureaus are required to remove this account from my credit file. 

I am requesting the CFPB to escalate this matter, initiate further investigation, and compel immediate deletion of this unverified and invalid account from all credit reporting agencies. 

Thank you for your continued assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
Debt collector filed a claim against me on the behalf of navy federal credit union. The company failed to file additional information so the court sent me a post card stating the case will be dismissed 28 days from the date of this notice. I called the court and was told I won my case and its a paid postage stamp for proof and keep the care for my records

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
A collection account from XXXX XXXX XXXX is being reported on my credit file with a {$0.00} balance. The original creditor was XXXX, and I paid XXXX directly on XX/XX/year>. I never paid or agreed to pay XXXX XXXX XXXX. 

Despite this, XXXX XXXX XXXX is reporting a collection account under my name, which is misleading and factually incorrect. This tradeline falsely implies the debt was collected by them when it was not. 

I requested that TransUnion and Equifax remove the collection, as it violates the Fair Credit Reporting Act ( FCRA 607 ( b ), 611 ( a ), 623 ( a ) ( 1 ) ( A ) ) and FDCPA 807. I have attached proof of payment to XXXX and a screenshot showing the {$0.00} balance reporting from the collection agency. 

I am requesting the immediate deletion of this collection account from all credit reporting agencies.

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 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
A collection account from Caine & Weiner is being reported on my credit file with a {$0.00} balance. The original creditor was Progressive, and I paid Progressive directly on XX/XX/year>. I never paid or agreed to pay Caine & Weiner. 

Despite this, Caine & Weiner is reporting a collection account under my name, which is misleading and factually incorrect. This tradeline falsely implies the debt was collected by them when it was not. 

I requested that XXXX  and XXXX  remove the collection, as it violates the Fair Credit Reporting Act ( FCRA 607 ( b ), 611 ( a ), 623 ( a ) ( 1 ) ( A ) ) and FDCPA 807. I have attached proof of payment to Progressive and a screenshot showing the {$0.00} balance reporting from the collection agency. 

I am requesting the immediate deletion of this collection account from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
It was a check for {$5000.00}. My mother-in-law gave it to me to deposit in my bank account. TD Bank damned it to be fraudulent activity even though she verified it on the phone and also went down in person with me and they still closed my account and kept my money and no funds were issued back to me or my mother-in-law and now she is passed away. This was 5 years ago

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I called the Truist fraud department on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX regarding fraudulent charges from a widely known source of online card fishing claiming to be XXXX. I informed the truist agents each and every time that none of my accounts through Truist have ever been used to purchase anything from XXXX  or any XXXX  subsidiaries. Every time I would go into my truist account to report these fraudulent charges the website would crash and they would fail to go through ( spanning all the way back to XX/XX/XXXX ). During my call on XX/XX/XXXX I was finally put through to a representative from the Truist fraud department where I went charge by charge until his software crashed and capped the amount of transactions allowed on my claim. He informed me that they would process my claim but If I wanted to have a chance to be reimbursed for the previous charges I would have to file another claim after this one had processed. I received a letter in the mail from the Truist fraud department denying my original claim because I had not provided all of the transactions dating back to XX/XX/XXXX. However that goes against what the fraud representative told me to do. Moreover I did have one claim go through from the exact same source of fraud to which I was reimbursed {$4.00}. Every time I try to file a new claim through my website, app, or on the phone I am sent a new debit card with a different XXXX  and last 8 digits but the charges keep coming through. I activated my most recent debit card and used it once to pay my utility bill and was immediately hit with 3 charges, a XXXX provisioning service for {$0.00}, and two " XXXX  '' charges for {$0.00}, and {$21.00}. 

Trusit representatives have misled me every step of the way and have failed to act in preventing these charges after I explicitly asked them to block all charges from any form of XXXX in the future. 

The charges come through as XXXX XXXX. This is the commonly know fraud charge shortened from 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 explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint against Experian for continuing to report false and damaging charge-off data on my credit file, despite multiple disputes. 

A XXXX credit card account is being reported with CO ( Charge-Off ) every single month from XXXX through XXXX, which is factually and legally incorrect. A charge-off is a one-time accounting event, not an ongoing monthly status. 

This repeated XXXX  reporting violates FCRA 607 ( b ) ( accuracy requirement ) and Metro 2 credit reporting standards. I previously disputed this account multiple times, most recently in XX/XX/XXXX, and Experian either verified or left the inaccurate information in place. 

This is harming my credit profile by falsely exaggerating the severity and duration of the delinquency. I am not requesting correction, I am requesting full deletion of this tradeline. 

If this issue is not resolved, I will escalate to legal action under FCRA 616 and 617.

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 2025-06-29 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: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief