vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-21 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: FL

Complaint narrative:
I am submitting this formal complaint against Experian for repeated and egregious violations of the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681 et seq. Over an extended period of time spanning well beyond a year, I have submitted numerous formal disputes regarding the fraudulent XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX, which were accessed and reported without a permissible purpose in direct violation of 1681b ( a ). Despite providing all required documentationincluding government-issued identification, proof of address, a valid Identity Theft Report, and a signed statement under penalty of perjuryExperian has failed to take corrective action or respond as required by law. My signed statement under penalty of perjury was submitted in accordance with FCRA 605B, which requires credit reporting agencies to block fraudulent information when a consumer provides proper identity theft documentation. This sworn statement affirms that the disputed accounts were not authorized by me and is the result of identity theft, and it legally obligates Experian to block the accounts within XXXX business days of receipt. Their failure to do so is a direct violation of 605B ( a ). 
The following letters were sent as part of my ongoing efforts to resolve this matter : XX/XX/XXXX SENT Dispute Letter XX/XX/XXXX SENT Fraud Dispute Letter XX/XX/XXXX SENT Dispute Letter XX/XX/XXXX SENT Demand for Immediate Action : Violations of the Fair Credit Reporting Act ( FCRA ) Related to Identity Theft XX/XX/XXXX SENT Formal Dispute Under the Fair Credit Reporting Act ( FCRA ) Regarding Identity Theft XX/XX/XXXX SENT ID theft Non Compliance XX/XX/XXXX SENT Formal Dispute of Inaccurate Credit Reporting under the FCRA Request for Immediate Investigation and Correction XX/XX/XXXX SENT Formal Complaint and Demand for Immediate Compliance Violations of the FCRA and FLCRAA XX/XX/XXXX SENT Demand for Immediate Action : Violations of the Fair Credit Reporting Act ( FCRA ) Related to Identity Theft These letters, along with many others sent prior, were submitted in good faith and in full compliance with FCRA procedures. Experian has ignored these disputes and failed to respond within the statutory XXXX window under 1681i ( a ) ( 1 ) ( A ), constituting repeated and ongoing violations of federal law. 
Experians continued reporting of the accounts after being notified multiple times of its illegitimacy and lack of permissible purpose demonstrates a pattern of willful noncompliance under 1681n and negligent noncompliance under 1681o. These repeated violations have caused me substantial financial harm, emotional distress, and reputational damage, including denial of credit opportunities and undue scrutiny.

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 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Global Lending Services LLC
State: IL

Complaint narrative:
Subject : FCRA Dispute Unauthorized/Inaccurate Hard Inquiries & Collection Account Dear Equifax, XXXX am writing to formally dispute unauthorized and/or inaccurate information that is currently being reported on my credit file. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i ( a ). 



XXXX. Hard Inquiry Disputes : I dispute the following hard inquiries as unauthorized or unverifiable and request their immediate removal : Date Creditor Name XX/XX/XXXX Global Lending Services XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Global Lending Services XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX Consumer Portfolio Services XX/XX/XXXX XXXX And all other inquiries not authorized by me These inquiries were not authorized by me and do not reflect any initiated credit applications. Under FCRA 1681b ( c ), a permissible purpose is required for a hard inquiry. If no such authorization can be proven, the inquiry must be deleted. 



XXXX. Collection Account Dispute : I also dispute the following collection account as inaccurate, unverifiable, and potentially obsolete : Creditor : Portfolio Recovery Associates Account Number : XXXX Original Balance : {$1000.00} Date Assigned : XX/XX/XXXX Status : Collection Account Under 15 U.S.C. 1681i ( a ), I request a reasonable reinvestigation into this item. If the furnisher is unable to verify the accuracy of the data within 30 days, you must remove this account from my credit report. 



My Rights Under the FCRA : As referenced in XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ), the continued reporting of unverified or inaccurate data constitutes a violation of the FCRA. If you can not verify these items, they must be deleted. 



Requested Action : Remove the above-listed unauthorized credit inquiries Remove the collection account from Portfolio Recovery Associates Provide me with a free updated copy of my credit report after your investigation Please complete your reinvestigation within XXXX  days as required by law. If you fail to do so, I reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and my state Attorney General. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: NY

Complaint narrative:
I contacted company and told them i didnt not open this account, i them provided them with my accurate address and phone number to them prove that all the information on that account does not belong to me so clearly the account was made fraudulently. I asked them to remove my name from account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Dear CFPB, I am filing a formal complaint against Experian, Equifax, or TransUnion regarding their handling of my XXXX XXXX credit dispute. 

I submitted a dispute regarding inaccurate information being reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), the bureau is required to conduct a reasonable investigation and either verify, delete, or correct the information within 30 days.

Instead of providing proof of validation or documentation from the furnisher, the bureau responded that the account was verified but did not supply evidence supporting this conclusion. This constitutes a failure to comply with FCRA 611 ( 15 U.S.C. 1681i ). 

The disputed item ( XXXX ) are : XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Reporting inaccurately as Late XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX - Reporting inaccurately as Collection XXXX XXXX XXXX - XXXX XXXX XXXX - Reporting inaccurately as Late

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: NJ

Complaint narrative:
b'THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFTXXXX XXXX XXXX  (Original Creditor: XXXX) XXXXXXXX XXXX XXXX  (charge off) XXXX XXXX XXXX (collection) XXXX XXXX  (charge off) XXXX XXXX XXXX (charge off) XXXX XXXX XXXX XXXX (XXXX) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  (charge off) XXXX XXXX XXXX XXXX (charge off) -XXXX XXXX XXXX XXXX XXXX XXXX (charge oXXXX 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 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 2025-08-21 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: MA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDELENT ACCOUNTS : XXXX  XXXX # XXXX - Date Opened XX/XX/year> - Balance {$690.00}

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 2025-08-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: FL

Complaint narrative:
On XX/XX/year>, at approximately XXXX XXXX, I contacted Chime regarding a fraudulent transaction for {$230.00} on XX/XX/XXXX. I explained that I authorized the payment under the agreement that I would receive goods/services, but nothing was delivered. After I paid, the individual blocked me, which I presented as evidence that I was defrauded. 

I spoke with XXXX Chime representatives : XXXX, XXXX, and XXXX ( Supervisor ). All three refused to let me formally file a dispute, stating that because the individual blocked me, I could not dispute the charge. This is incorrect. Under Regulation E ( Electronic Funds Transfer Act ), I have the right to dispute an electronic funds transfer that was unauthorized in its final form or where the goods/services were never provided. 

By refusing to take my dispute, Chime is denying me federally protected rights. I am requesting that the CFPB ensure Chime properly accepts and investigates my dispute, provides me with a case number, and follows federal law by issuing a provisional credit during the investigation. 

All pictures included are screenshots and evidence towards the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/2025, I submitted a dispute to Experian for information on my credit report that is inaccurate, incomplete, and unverifiable ( Experian received it on XX/XX/2025 ). Experian responded on XX/XX/2025, stating the item was verified and made no corrections or adequate explanation. I sent a second request for reinvestigation on XX/XX/2025 ( received XX/XX/2025 ), and have not received any further information or correction. Macys, as the furnisher, appears not to have complied with its duties. I request an investigation under 15 U.S.C. 1681i and 1681s-2 and correction/removal of the inaccurate item.

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 2025-08-21 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:
On XX/XX/year>, I submitted a dispute to Experian for information on my credit report that is inaccurate, incomplete, and unverifiable ( Experian received it on XX/XX/year> ). Experian responded on XX/XX/year>, stating the item was verified and made no corrections or adequate explanation. I sent a second request for reinvestigation on XX/XX/year> ( received XX/XX/year> ), and have not received any further information or correction. XXXX, as the furnisher, appears not to have complied with its duties. I request an investigation under 15 U.S.C. 1681i and 1681s-2 and correction/removal of the inaccurate item.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Recovery Services, Inc.
State: MA

Complaint narrative:
On XX/XX/XXXX I find that someone stole my identity, I started receiving collections notice to my address from more than XXXX company, I when to the police department near to my house and place a report on XX/XX/XXXX, a few months later XX/XX/XXXX I went to court for a trial and my lawyer was able to prove that I was victim of fraud, today XX/XX/XXXX I was contacted for a company under name XXXX XXXX XXXX a company that never hear about before saying that they are a third party company trying to collect a debt for XXXX XXXX  XXXX for the amount of XXXX I ask then to provide proof of me owning them money, they provide a name thats not my name, I explain financial recovery service my situation that during the time period that this account was opened I was victim of fraud and provide then documentation such as police report, court records that Im going to attach in this statement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE IT.

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 2025-08-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: PA

Complaint narrative:
Dear CFPB, I am submitting this complaint regarding the recent data breach involving the Free Application for Federal Student Aid ( FAFSA ) and the Department of Education, which resulted in the compromise of my personal and financial information.

Details of the Complaint : My personal and financial data, including sensitive identifiers, were exposed in the breach. 

This represents a violation of federal privacy protections, including the Family Educational Rights and Privacy Act ( FERPA, 20 U.S.C. 1232g ), and demonstrates a failure by the Department of Education to adequately safeguard borrower information as required under the Privacy Act of 1974 ( 5 U.S.C. 552a ).

As a result of this breach, I am at risk of identity theft, financial fraud, and other long-term harms. 

Requested Action : I request the CFPB investigate this matter and ensure that the Department of Education takes appropriate measures to protect affected borrowers. 

I am requesting consideration for relief, including the full cancellation of my federal student loans, as the breach represents a failure of the Department to meet its obligations to protect my information and privacy. 

I also request written confirmation that my complaint has been received and that it will be addressed. 

Supporting Information : Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Contact Information : XXXX / XXXX Details of any communication with FAFSA/Department of Education regarding this breach. 

Thank you for your attention to this serious matter. I look forward to your guidance and assistance in addressing the risks and seeking appropriate relief. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CHARLES SCHWAB CORPORATION, THE
State: VA

Complaint narrative:
Merchant is not following reg E standard practices for giving prov credit within 10 days as one of my disputes is now at 60 days.

Under Regulation E, a " service not rendered '' dispute can be considered an error if the consumer paid for a service they didn't receive, and can provide verifiable evidence of non-delivery. This situation falls under the regulation 's error resolution provisions, which aim to protect consumers from unauthorized or incorrect electronic fund transfers

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I take my credit seriously, and I'm really concerned about the inaccuracies on my credit report. These errors are causing me a lot of stress and are impacting my ability to get new credit. Additionally, I am also writing to request the correction of inaccurate personal information as I've noticed that these errors may have contributed to the issues with my credit applications, which is extremely frustrating. I've worked hard to build my credit, and it's disappointing to see it affected by mistakes that aren't my fault. It's getting me anxious. I want you to get this fixed as soon as possible because I don't want any more damage to be done.

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 2025-08-21 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: AR

Complaint narrative:
The company is willfully furnishing false, inconsistent, and misleading information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and Metro 2 reporting standards. The tradeline contains contradictory dates, account statuses, and payment histories across the credit reporting agencies, creating a materially inaccurate consumer file. I have made multiple written requests for verification in compliance with FCRA 607 ( b ) and 611, yet the company has failed to correct or validate the reporting. This ongoing inaccurate reporting is causing measurable harm to my creditworthiness and appears to be a deliberate act of negligent and/or willful noncompliance under FCRA 616 and 617, which entitles me to statutory, actual, and punitive damages.

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 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Subject : FCRA Dispute Unauthorized/Inaccurate Hard Inquiries & Collection Account Dear XXXX, I am writing to formally dispute unauthorized and/or inaccurate information that is currently being reported on my credit file. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i ( a ).

1. Hard Inquiry Disputes : I dispute the following hard inquiries as unauthorized or unverifiable and request their immediate removal : Date Creditor 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 THD/CBNA XXXXXXXX XXXX XXXX XXXX XXXX CBNA And all other

inquiries not authorized by me These inquiries were not authorized by me and do not reflect any initiated credit applications. Under FCRA 1681b ( c ), a permissible purpose is required for a hard inquiry. If no such authorization can be proven, the inquiry must be deleted. 2. Collection Account Dispute : I also dispute the following collection account as inaccurate, unverifiable, and potentially obsolete : Creditor : XXXX XXXX XXXX Account Number : XXXX Original Balance : {$1000.00} Date Assigned : XX/XX/XXXX Status : Collection Account Under 15 U.S.C. 1681i ( a ), I request a reasonable reinvestigation into this item. If the furnisher is unable to verify the accuracy of the data within 30 days, you must remove this account from my credit report.

My Rights Under the FCRA : As referenced in Cushman v. Trans Union ( 1997 ) and Dennis v. BEH-1, LLC ( 2010 ), the continued reporting of unverified or inaccurate data constitutes a violation of the FCRA. If you can not verify these items, they must be deleted.

Requested Action : Remove the above-listed unauthorized credit inquiries Remove the collection account from XXXX XXXX XXXX Provide me with a free updated copy of my credit report after your investigation Please complete your reinvestigation within 30 days as required by law. If you fail to do so, I reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and my state Attorney General. 

Sincerely, 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