vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-07 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: TX

Complaint narrative:
I am writing to dispute multiple accounts appearing on my credit report that I did not authorize, open, or manage. These accounts are not mine and their presence is inaccurate and damaging to my credit history.

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 2025-10-07 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 filing this complaint because the same Department of Education/XXXX student loan account is being reported multiple times across my credit reports with TransUnion, XXXX, and XXXX. Each duplicate tradeline lists the same underlying loan but appears as separate accounts, which is inaccurate and misleading. 

I have submitted written disputes to all three credit bureaus requesting permanent deletion of these duplicate and unverifiable accounts. Despite providing notice under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and CFPB Regulation V, the information continues to be reported inaccurately.

This repeated reporting has negatively impacted my credit score and financial standing. It violates FCRA 607 ( b ) ( failure to ensure maximum accuracy ), 623 ( a ) ( 1 ) ( A ) ( furnishing information known to be inaccurate ), and 611 ( failure to reasonably reinvestigate disputed information ). TransUnion in particular has faced similar litigation and settlements for reporting inaccurate data, which suggests systemic compliance failures.

I am requesting CFPB assistance to ensure full deletion of all duplicate student loan accounts, enforcement of the FCRA and related consumer-protection laws, and any applicable compensation or corrective action for the damages caused by this inaccurate reporting.

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 2025-10-07 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:
I am filing this complaint because the same Department of EducationXXXX student loan account is being reported multiple times across my credit reports with XXXX, XXXX, and Equifax. Each duplicate tradeline lists the same underlying loan but appears as separate accounts, which is inaccurate and misleading. 

I have submitted written disputes to all three credit bureaus requesting permanent deletion of these duplicate and unverifiable accounts. Despite providing notice under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and CFPB Regulation V, the information continues to be reported inaccurately. 

This repeated reporting has negatively impacted my credit score and financial standing. It violates FCRA 607 ( b ) ( failure to ensure maximum accuracy ), 623 ( a ) ( 1 ) ( A ) ( furnishing information known to be inaccurate ), and 611 ( failure to reasonably reinvestigate disputed information ). TransUnion in particular has faced similar litigation and settlements for reporting inaccurate data, which suggests systemic compliance failures. 


I am requesting CFPB assistance to ensure full deletion of all duplicate student loan accounts, enforcement of the FCRA and related consumer-protection laws, and any applicable compensation or corrective action for the damages caused by this inaccurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: NY

Complaint narrative:
I am writing to formally express my concerns regarding Chimes handling of disputes. Particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using chime numerous times and reporting discrepancies. My financial institution and Chime failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Chime has not only neglected to protect consumers has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: TX

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: OH

Complaint narrative:
I recently reviewed my Equifax credit report and found inaccurate and outdated personal information that does not belong to me. Specifically, Equifax is reporting incorrect name variations ( XXXX XXXX XXXX and XXXX XXXX XXXX and an outdated address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). These inaccuracies have never been associated with my verified identity and are causing unnecessary risks of confusion and misidentification during credit and identity verification processes. 

I submitted a formal written dispute to Equifax on XX/XX/2025, along with supporting documents including my government-issued ID, current utility bill, bank statement, and phone bill all verifying my correct legal name ( XXXX XXXX XXXX XXXX XXXX and my current address ( XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ). 

Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) [ 15 U.S.C. 1681i ], Equifax is required to reinvestigate and correct or delete inaccurate or unverifiable information within 30 days. Despite having provided full documentation, these errors remain on my credit file. The continued reporting of this inaccurate information represents a failure to maintain maximum possible accuracy and to conduct a compliant reinvestigation, as required by federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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: FL

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
The following accounts are fraudulent and I want these removed from my credit report immediately XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The following inquiries are not authorized. Please remove it from my credit report immediately 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 explanation
Consumer complaint received 2025-10-07 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: KY

Complaint narrative:
The following accounts are fraudulent and I want these removed from my credit report immediately XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The following inquiries are not authorized. Please remove it from my credit report immediately 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 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: VA

Complaint narrative:
It has been times I was to receive Zelle and my money was held because Zelle had reset the account and I had to register again. And a few years ago I was scammed out of {$450.00} through Zelle and they refused to investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: PA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

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 2025-10-07 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: TX

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXXXXXX 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 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: SC

Complaint narrative:
I am writing you regarding my funds with chime and how they handled disputes they did not review my claims properly and they said that funds could not be tracked and where infeasible

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: TN

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-10-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMCOL Systems, Inc.
State: FL

Complaint narrative:
I received a letter from AMCOL SYSTEMS , INC requesting payment of {$270.00}. Upon speaking with the hospital, I learned that I owe only {$220.00}. When I contact AMCOL, they can not find my account either online or by phone. AMCOL 'S letter gives only one option to pay, and that's by check, which means they'll have my bank account information.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-07 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: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-10-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: W&A Intermediate Co., LLC
State: TN

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXXXXXX 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 To Whom It May Concern : I am writing to request validation of the alleged debt referenced above. Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I request that you provide the following documentation and information so I can verify that I am legally obligated to pay this debt : 1. The amount of the alleged debt, including a complete itemized accounting showing how the amount claimed was calculated ( principal, interest, fees, and other charges ).

2. The name and address of the original creditor and the account number assigned by the original creditor.

3. A copy of the contract or agreement ( signed by me ) that shows I agreed to the debt.

4. Documentation showing your legal right to collect this debt ( e.g., the judgment, assignment, or bill of sale ), including a chain of assignment from the original creditor to you.

5. Proof of the date of last payment ( if any ) and the date the debt purportedly became delinquent.

6. If you are reporting this debt to credit reporting agencies, the name ( s ) of each agency and the account information you reported.

7. The name and address of the current owner of the debt ( if different from your firm ).

Until you provide the requested validation, please cease all collection activities, including reporting this debt to any credit reporting agencies. If you can not provide the requested verification, you must cease collection and remove any adverse information you have reported about me.

Additionally, do not contact me at work or via phone. If you believe you have the right to contact me by telephone, do not call ; all communications must be in writing to the address listed above.

Please provide the requested documentation within 30 days of receipt of this letter. Keep a copy of this letter for your records. 

Sincerely, [ XXXX ] [ XX/XX/XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NC

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, wch exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX # XXXX -Date opened XX/XX/XXXX -Balance {$240.00} XXXX  # XXXX -Date opened XX/XX/XXXX -Balance {$870.00} XXXX # XXXX -Date opened XX/XX/XXXXXXXX XXXX # XXXX -Date opened XX/XX/XXXX XXXX XXXX XXXX -Date opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/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