vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 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 submitted a certified dispute to the credit bureau regarding a demonstrably inaccuracy on my credit report. Despite providing complete documentation, the bureau flagrantly failed to conduct a thorough, reasonable reinvestigation as mandated under 15 U.S.C. 1681i. This neglect constitutes a clear violation of federal law designed to protect consumers from erroneous information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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 Inc.
State: KY

Complaint narrative:
Yes. XXXX XX/XX/XXXX, chime let somebody take XXXX transaction out of my account for XXXX totaling XXXX. It was XXXX XXXX the took them out. Ive tries multiple times disputing an denied everything. Ive contacted chimes an XXXX XXXX. An either of them or doing any thing about it. I went to the police station got a police report an gave them screenshots. An they keep denying. Can u please help me. I cant even get them to contact each other

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

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The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC
State: FL

Complaint narrative:
WESTLAKE PM is falsely reporting on my credit. I have never had any accounts with them. Per my research WESTLAKE PM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: NY

Complaint narrative:
I noticed a hard inquiry from XXXX XXXX on my TransUnion credit report dated XX/XX/scrub> 2025. I did not apply for any credit account or give permission for XXXX XXXX to access my credit file. This unauthorized inquiry has negatively affected 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 2025-11-11 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 dispute any relation to these accounts ; federal law mandates their deletion within fifteen days.

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 2025-11-11 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 am writing to formally dispute inaccurate information regarding certain accounts that have been reported to the credit bureaus. Below are the accounts I believe to be incorrect, and I am requesting your assistance in investigating and correcting them. 
Charged-Off Accounts : XXXX OF XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$550.00}XX/XX/XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$9000.00} Late Payments : XXXX XXXX Account Number : XXXX Inquiries : XX/XX/XXXX( XXXX ) : No inquiries listed. 

XX/XX/XXXX( XXXX ) : No inquiries listed. 

TransUnion ( TU ) : No inquiries listed.

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 2025-11-11 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: NC

Complaint narrative:
I am writing to dispute the following charged-off accounts listed on my Experian credit report. These accounts do not accurately reflect my credit history or repayment behavior, and I request that they be investigated for accuracy and removed if found to be incorrect. 

Charged Off Accounts : XXXX Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX/XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX, Balance : {$8900.00} XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX, Balance : {$1500.00} XXXX  XXXX Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$3900.00} XXXX Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  Account # XXXX, Date Opened XXXX XX/XX/XXXX, Balance : {$10000.00} XXXX XXXX XXXX Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$16000.00} XXXX Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00} XXXX Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX Late Payments : XXXX Account # 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 2025-11-11 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: IN

Complaint narrative:
I insist that these fraudulent accounts be eliminated from my credit report, as I never opened them and had no knowledge of their existence. Per USC 1681g, I am requesting their deletion within 15 days. Enclosed are relevant documents as proof.

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 2025-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

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 explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I disclaim any ties to these accounts ; please remove them within XXXX  days under USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Easier Funding, LLC
State: AL

Complaint narrative:
I signed up with 60day Credit Repair around XX/XX/year> they said they could improve my credit XXXX points or more and here its XX/XX/year> and my credit is XXXX they charged me XXXX dollars which am still making payments on, when I talk to them about canceling contract they said they couldn't work with me on that I still had to pay full amount. the address I have is 60day Credit Repair,XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Utah XXXX I started working on my credit myself and found several inaccuracies on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: TX

Complaint narrative:
THE REPORTING AGENCY HAS DEMONSTRATED A PATTERN OF SYSTEMIC NEGLIGENCE AND FAILURE TO MAINTAIN REASONABLE COMPLIANCE PROCEDURES AS REQUIRED UNDER 15 U.S.C. 1681E ( A ) AND 1681E ( B ). IT IS CLEAR THAT THIS ENTITY DOES NOT HAVE ADEQUATE INTERNAL CONTROLS, AUDIT TRAILS, OR SUPERVISORY PROCEDURES IN PLACE TO ENSURE LEGAL ACCURACY AND COMPLIANCE.

THE AGENCYS RESPONSES TO DISPUTES ARE AUTOMATED, UNSUBSTANTIATED, AND DEVOID OF HUMAN REVIEW INDICATING THAT NO REASONABLE INVESTIGATION OCCURRED. SUCH AUTOMATION, WHEN IT RESULTS IN THE CONTINUED REPORTING OF KNOWN INACCURACIES, AMOUNTS TO RECKLESS NONCOMPLIANCE AND BAD FAITH OPERATION UNDER THE FCRA. 

MOREOVER, THERE IS NO EVIDENCE THAT THE AGENCY HAS PROVIDED TRAINING OR OVERSIGHT TO PERSONNEL RESPONSIBLE FOR HANDLING CONSUMER DISPUTES, NOR HAS IT IMPLEMENTED ADEQUATE SAFEGUARDS TO PREVENT REPEATED ERRORS OR IMPROPER DATA HANDLING. 

THIS PATTERN OF NONCOMPLIANCE VIOLATES THE CORE PRINCIPLES OF CONSUMER PROTECTION, FAIR DATA USE, AND DUE PROCESS AND DEMONSTRATES A DELIBERATE FAILURE TO UPHOLD FEDERAL REPORTING STANDARDS.

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 2025-11-11 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
An item was order, never received the item. Was told by several warehouse managers the issue would be resolved and removed. Never has been resolved. But placed as a charge-off, and cant get the proper documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am disputing the validity of an account being reported and/or collected by RESURGENT RECEIVABLES LLC. Over the past year, I have submitted multiple written disputes directly to RESURGENT RECEIVABLES LLC requesting full validation of this alleged debt under the Fair Debt Collection Practices Act ( FDCPA ), as outlined in 15 U.S.C. 1692g ( b ). Despite my repeated requests, I have not received any response or proper validation as required by law.

RESURGENT RECEIVABLES LLC has continued to report or attempt to collect this account without providing documentation proving that the debt is valid, that the amount claimed is accurate, or that RESURGENT RECEIVABLES LLC has the legal right to collect on it. This lack of response constitutes a violation of my rights under 15 U.S.C. 1692g ( b ) and 15 U.S.C. 1692e, which prohibit continued collection activity and false or misleading representations of debt. 

I am formally requesting that this account be investigated and removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: NC

Complaint narrative:
I am writing to dispute the following charged-off accounts listed on my Equifax credit report. These accounts do not accurately reflect my credit history or repayment behavior, and I request that they be investigated for accuracy and removed if found to be incorrect. 

Charged Off Accounts : XXXX XXXX BANK XXXX Account XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$8900.00} XXXX XXXX XXXX Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX XXXXXXXX Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$3900.00} XXXX  Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX CARD Account # XXXX, XXXX Opened : XX/XX/XXXX, Balance : {$10000.00} XXXX XXXX XXXX Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$16000.00} XXXX  Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00} XXXX  Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Late Payments : XXXX Account # XXXX XXXX XXXX  XXXX Account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-11-11 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: IL

Complaint narrative:
I was woken up by a friend calling me asking if I was OK. Initially I was confused because I work nights and I was just sleeping so I questioned them.They informed me that they received a request from me on Chime banking asking for {$390.00} because I was in the hospital and needed funds. I immediately tried to log into my bank account and was unable to access. I then contacted the banks customer service and gained access back to my account. After gaining access to my account, I saw that my checking and savings was emptied. I immediately looked at the transactions and saw that someone had sent their self a total of {$1800.00} in a series of XXXX transactions amounting to {$99.00} each. I then called the banks dispute resolution team and they filed a dispute. This was on XX/XX/2025. The bank informed me that they would enter my dispute andI would be available for a credit XXXX business days If my dispute had not been resolved. Today, XX/XX/2025 I was informed that dispute was denied due to no error having occurred. This shocked me because I provided them with email notifications stating that a new device was added to my accountfrom a different city than where I was located. My password and email had also been changed and unauthorized request to family members had also been sent the timeframe that the transactions were made. right now, I am stuck on the verge of being evicted because I have not been granted a credit or giving my money back from these on unauthorized charges. There was no type of security on my account and a person was just able to login and steal my money I got no verification text or emails to allow someone else in my account, mind you I was sleep during this time so while these notifications were going off on my phone of someone transferring my money out I was unaware. At this time I need help resolving this issue because it is very obvious that this was unauthorized on my behalf and the bank is not working with me too gain my funds back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-11 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: MO

Complaint narrative:
THE REPORTING AGENCY HAS DEMONSTRATED A PATTERN OF SYSTEMIC NEGLIGENCE AND FAILURE TO MAINTAIN REASONABLE COMPLIANCE PROCEDURES AS REQUIRED UNDER 15 U.S.C. 1681E ( A ) AND 1681E ( B ). IT IS CLEAR THAT THIS ENTITY DOES NOT HAVE ADEQUATE INTERNAL CONTROLS, AUDIT TRAILS, OR SUPERVISORY PROCEDURES IN PLACE TO ENSURE LEGAL ACCURACY AND COMPLIANCE.

THE AGENCYS RESPONSES TO DISPUTES ARE AUTOMATED, UNSUBSTANTIATED, AND DEVOID OF HUMAN REVIEW INDICATING THAT NO REASONABLE INVESTIGATION OCCURRED. SUCH AUTOMATION, WHEN IT RESULTS IN THE CONTINUED REPORTING OF KNOWN INACCURACIES, AMOUNTS TO RECKLESS NONCOMPLIANCE AND BAD FAITH OPERATION UNDER THE FCRA.

MOREOVER, THERE IS NO EVIDENCE THAT THE AGENCY HAS PROVIDED TRAINING OR OVERSIGHT TO PERSONNEL RESPONSIBLE FOR HANDLING CONSUMER DISPUTES, NOR HAS IT IMPLEMENTED ADEQUATE SAFEGUARDS TO PREVENT REPEATED ERRORS OR IMPROPER DATA HANDLING.

THIS PATTERN OF NONCOMPLIANCE VIOLATES THE CORE PRINCIPLES OF CONSUMER PROTECTION, FAIR DATA USE, AND DUE PROCESS AND DEMONSTRATES A DELIBERATE FAILURE TO UPHOLD FEDERAL REPORTING STANDARDS.

DESIRED RESOLUTION I AM DEMANDING THAT THE AGENCY PROVIDE WRITTEN PROOF OF ITS INTERNAL COMPLIANCE PROCEDURES, INCLUDING DOCUMENTATION OF ITS INVESTIGATION PROCESS, QUALITY CONTROL METHODS, AND VERIFICATION PROTOCOLS.

I FURTHER DEMAND A FORMAL STATEMENT CERTIFYING THAT ALL SYSTEMS AND PERSONNEL RESPONSIBLE FOR DISPUTE HANDLING HAVE BEEN REVIEWED AND CORRECTED TO ENSURE FUTURE COMPLIANCE.

UNTIL SUCH PROOF IS PROVIDED, I AM REQUESTING IMMEDIATE DELETION OF ALL UNVERIFIED INFORMATION AND SUSPENSION OF ANY FURTHER REPORTING OF DISPUTED DATA. FAILURE TO COMPLY WILL RESULT IN ESCALATION, CIVIL ACTION, AND REFERRAL FOR FEDERAL ENFORCEMENT UNDER THE FCRA AND GLBA.

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 2025-11-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
MyXX/XX/XXXX account has been frozen since XX/XX/XXXX. 
I have already provided all requested documents, including my drivers license and bank statement, but the account remains locked. 

I contacted XX/XX/XXXX support multiple times by email and phone. The phone system redirects endlessly without connecting to a live representative, and emails receive only automated replies. 

As a result, I can not access or withdraw my funds. This issue has been pending for over XXXX months, and XX/XX/XXXX has failed to provide any update or resolution. 

Please help escalate this matter to PayPalXXXX XXXX Department and require them to unlock my account or provide an explanation for the hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-11 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: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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