vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit XXXX , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name 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 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 explanation
Consumer complaint received 2025-07-14 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: MD

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: GA

Complaint narrative:
I purchased a prepaid XXXX debit card at XXXX in XXXX. I loaded it with the maximum amount of {$500.00}. When I went to use the card it did not work. I called XXXX and they said to send them a copy of the back of the card the front of the card and a copy of the receipt. I sent that in 1 day later. It has been 35 days and I have received XXXX emails from them stating that it will take XXXX days or up until 15 days to refund me. I have gone back and forth with them. Finally after the XXXX submission, they confirmed they had everything and would get back with me. 5 days later I received another email to send in the receipt which I did. It has been over a month and I need my money!!!!!!!!!!!!!!!!!!!!!!!!!! I am getting the runaround!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX 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 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 2025-07-14 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am 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 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 2025-07-14 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:
While applying for a refinancing loan for construction I discovered these items in my credit report. According to the 15 U .. S.C 1681 law there should not be any damaging items listed on my credit report. This is a defamation to my character..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: DISCOVER BANK
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XX/XX/year> Discover Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Subject : Request for Investigation and Removal of Closed Accounts Dear XXXX I am writing to formally dispute the reporting of certain closed accounts on my credit report. I recently obtained a copy of my credit report from your agency, and I have identified the following account ( s ) that I believe should be removed : Creditor Name : Discover Bank Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reason for Dispute : Account is not mine. 

According to the Fair Credit Reporting Act ( FCRA ), outdated or inaccurate information should not remain on a consumers credit file. Closed accounts with no negative history are not required to be reported and can be removed if no longer relevant. I kindly request that you investigate this/these account ( s ) and remove them from my credit report. 

I have attached the following documents to support my request : A copy of my credit report with the account ( s ) highlighted A copy of my ID ( drivers license or other government-issued ID ) A copy of a recent utility bill or bank statement as proof of address Please complete your investigation within the 30-day time period as required by the FCRA and provide written confirmation of the outcome. If you determine that the account ( s ) are inaccurate, outdated, or unverifiable, I respectfully request their removal from my credit file. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
To Whom It May Concern, Re : Validation of Debt Account Reported by XXXX XXXX XXXX  ( Original Creditor : XXXX ) Account Balance : {$11000.00} Date Opened : XX/XX/year> I am formally requesting that you validate the debt referenced above pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following : 1. Proof that you are legally authorized to collect this debt. 
XXXX. A copy of the original signed agreement or contract that created this obligation.

3. A full account history showing how the amount of {$11000.00} was calculated.

4. The name and address of the original creditor ( which appears to be HSBC ).

5. Proof that this debt is not time-barred or beyond the statute of limitations for collection in my state. 
XXXX. A copy of any judgment, if applicable. 

Until you provide proper validation, please cease all collection activities, including reporting this account to any credit bureau. If this debt can not be validated, you are required to remove it from all credit reports with all credit reporting agencies. 

Please respond to this request in writing within 30 days of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: NY

Complaint narrative:
Chime finanacial technology opened an account under my name without my consent and they sent me a debt card without me asking for one. They sent me paper to change my job deposite to them.

I never called them them, I never ordered by any mean to open an account with them. I have never consented to open an account for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Business Processing Solutions, LLC
State: CA

Complaint narrative:
I reached out to professional account management XX/XX/XXXX to start a claim to get my over payment of {$1700.00} sent back. 
As of XX/XX/XXXX a correspondence was updated into my account. 
The representative said I will be receiving my refund back by XX/XX/XXXX. 
It is now XX/XX/XXXX, I havent received my refund for overpayment back. 
I reached out to professional account management XXXX on XX/XX/XXXX. The representative said they cant issue our refund check and I need to call XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX has no information from professional account management. 
I have been trying to get a hold of professional account management for XXXX hours on XX/XX/XXXX. 
The prompt takes me all the way to waiting for a representative and then hangs up on me. 
This has been happening all morning. 
This company makes it impossible to speak to someone and they wont allow you to speech to a supervisor or anyone above them. 
They will not issue my refund on my over payment.

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 2025-07-14 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: IA

Complaint narrative:
Informed Experian through the online account ( paid service ) that the mortgage lenders were seeing over 30 % credit card usage, I disputed three of the listed cards that had been paid, locked and have XXXX balance. They initially communicated that it would take them 30-45 days to review, crazy as they post increases, miss or derogatory immediately. 
Today they sent back there review was complete, I am mistaken the account will remain showing having balances and may show a new balance in 85 days. 
Closed the account, responded to their survey with XXXX stars and started this dispute as will with XXXX as well. They did not query these CC businesses as once I paid them to ensure they would not get charged they were locked, today still show XXXX balance. 
If these places are the gate keepers for average citizens to be able to obtain mortgages and loans they have to have a method to obtain and display accurate information on request - 30, 45 85 days is beyond any reason with technology today. I can show evidence of my dispute and they can say its wrong or does not matter, the only method is there's for managing this data. It's extortion.

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 2025-07-14 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unit XXXX XXXX, GA XXXX XXXX XXXX XX/XX/year> XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX : Request for Investigation and Removal of Closed Accounts Dear Experian/Equifax/TransUnion, I am writing to formally dispute the reporting of certain closed accounts on my credit report. I recently obtained a copy of my credit report from your agency, and I have identified the following account ( s ) that I believe should be removed : Creditor Name XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reason for Dispute : Account is not mine. 

According to the Fair Credit Reporting Act ( FCRA ), outdated or inaccurate information should not remain on a consumers credit file. Closed accounts with no negative history are not required to be reported and can be removed if no longer relevant. I kindly request that you investigate this/these account ( s ) and remove them from my credit report.

I have attached the following documents to support my request : A copy of my credit report with the account ( s ) highlighted A copy of my ID ( drivers license or other government-issued ID ) A copy of a recent utility bill or bank statement as proof of address Please complete your investigation within the 30-day time period as required by the FCRA and provide written confirmation of the outcome. If you determine that the account ( s ) are inaccurate, outdated, or unverifiable, I respectfully request their removal from my credit file. 

Thank you for your attention to this matter. 

Sincerely, 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 2025-07-14 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXXubject : Request for Investigation and Removal of Closed Accounts Dear ExperianXXXX I am writing to formally dispute the reporting of certain closed accounts on my credit report. I recently obtained a copy of my credit report from your agency, and I have identified the following account ( s ) that I believe should be removed : Creditor Name : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reason for Dispute : Account is not mine. 

According to the Fair Credit Reporting Act ( FCRA ), outdated or inaccurate information should not remain on a consumers credit file. Closed accounts with no negative history are not required to be reported and can be removed if no longer relevant. I kindly request that you investigate this/these account ( s ) and remove them from my credit report. 

I have attached the following documents to support my request : A copy of my credit report with the account ( s ) highlighted A copy of my ID ( drivers license or other government-issued ID ) A copy of a recent utility bill or bank statement as proof of address Please complete your investigation within the 30-day time period as required by the FCRA and provide written confirmation of the outcome. If you determine that the account ( s ) are inaccurate, outdated, or unverifiable, I respectfully request their removal from my credit file. 

Thank you for your attention to this matter. 

Sincerely, 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 explanation
Consumer complaint received 2025-07-14 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX UT XXXX Subject : Request for Investigation and Removal of Closed Accounts Dear XXXX/Equifax/XXXX I am writing to formally dispute the reporting of certain closed accounts on my credit report. I recently obtained a copy of my credit report from your agency, and I have identified the following account ( s ) that I believe should be removed : Creditor Name : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reason for Dispute : Account is not mine. 

According to the Fair Credit Reporting Act ( FCRA ), outdated or inaccurate information should not remain on a consumers credit file. Closed accounts with no negative history are not required to be reported and can be removed if no longer relevant. I kindly request that you investigate this/these account ( s ) and remove them from my credit report.

I have attached the following documents to support my request : A copy of my credit report with the account ( s ) highlighted A copy of my ID ( drivers license or other government-issued ID ) A copy of a recent utility bill or bank statement as proof of address Please complete your investigation within the 30-day time period as required by the FCRA and provide written confirmation of the outcome. If you determine that the account ( s ) are inaccurate, outdated, or unverifiable, I respectfully request their removal from my credit file. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-07-14 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:
There is an UNAUTHORIZED and FRAUDULENT inquiry on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> ). I am not the one who initiated the inquiry. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it from my credit report immediately. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, and my Proof of Address.

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 2025-07-14 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: NY

Complaint narrative:
The current loan terms have me paying 60 % of my income towards my student loans. I can not afford this and have fallen 2 months behind on my payments. I have been trying for over a year to work with them to make my repayment more affordable. I have suggested making the loan repayment period long so that I can have lower payments and they will make more money off interest in the long run. I have asked about interest rate reduction. I have asked about any kind of deferment or forbearance. They consistently tell me that they have no options to offer me. I told them that I will be going into default soon if they can't work with me and they basically told me " Too bad ''. It has already affected my credit score, and I am unable to refinance with any outside companies due to this. I am a type 1 diabetic and being able to afford my medications, doctor appointments, and all my other basic bills is becoming impossible. I'm not trying to get out of paying the loan, I just want a fair repayment plan that allows me to still survive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation