vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-09-23 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: MD

Complaint narrative:
This is my third follow-up complaint regarding serious inaccuracies that continue to appear on my credit reports despite my previous disputes and requests for correction. The credit reporting agencies and furnishers are failing to uphold their obligations under the Fair Credit Reporting Act ( FCRA ), which requires that only accurate and verifiable information be reported.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These addresses are not connected to me in any way and their continued presence on my file raises concerns of mixed or misreported consumer dataXXXXXXXX XXXX Reported 30 days late in XX/XX/XXXX and 60 days late in XX/XX/XXXX, with last activity on XX/XX/XXXX. 
This account is inaccurately marked, and the late notations are inconsistent with the accounts actual payment history. 
XXXX XXXX XXXX XXXX Balance {$1100.00}. 
This charge-off appears questionable and has not been verified despite multiple disputes. 
The following inquiries remain despite disputes and no valid permissible purpose being provided : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX These inquiries remain without proper validation of permissible purpose, violating consumer protections under the FCRA. 
Violations of the FCRA : The continued reporting of these inaccuracies violates multiple provisions of the FCRA, including : The duty to ensure maximum possible accuracy of consumer information. 
The requirement to conduct a reasonable reinvestigation when disputes are submitted. 
The prohibition against furnishers knowingly reporting inaccurate or unverifiable information.

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 2025-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: MI

Complaint narrative:
Chime closed my account for no reason, all they said was security reason, I don't understand the security reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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 implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: TX

Complaint narrative:
I have identified collection accounts on my credit report that I believe to be inaccurate. Under my rights established by 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a fair and accurate credit report. I am formally requesting that these accounts be investigated, and if verification of their accuracy can not be provided, they must be deleted from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: OH

Complaint narrative:
Went to buy a product after work XXXX XXXX XXXX XXXXXXXX met the lady at a hotel walked up to her room she showed me the product and asked me to send her the money I sent her the money on cashapp which was {$80.00} and she she faked like she was gon na throw up and get sick and slammed the door in my face and would not get money back or the product

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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 is my fifth follow-up complaint regarding inaccurate and misleading reporting on my credit file. Despite multiple disputes, the reporting agencies and furnishers have failed to correct the errors in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( failure to reinvestigate disputed information ) and 15 U.S.C. 1681s-2 ( furnishers duty to provide accurate information ) .The following accounts and inquiries remain inaccurately reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} ( still reporting as a derogatory charge-off despite being paid/closed ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( still reporting as charge-off with derogatory status even though balance is XXXX ). 
Inquiries ( Improper / Unauthorized/ Not Permissible under FCRA 1681b ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( duplicate inquiry ) These inquiries appear without my authorization or any permissible purpose. Under FCRA 604 [ 15 U.S.C. 1681b ], consumer reports may only be accessed for specific, legally defined reasons. The continued presence of these inquiries constitutes a violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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:
This is my fifth follow-up complaint regarding inaccurate and misleading reporting on my credit file. Despite multiple disputes, the reporting agencies and furnishers have failed to correct the errors in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( failure to reinvestigate disputed information ) and 15 U.S.C. 1681s-2 ( furnishers duty to provide accurate information ) .The following accounts and inquiries remain inaccurately reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} ( still reporting as a derogatory charge-off despite being paid/closed ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( still reporting as charge-off with derogatory status even though balance is XXXX ). 
Inquiries ( Improper / Unauthorized/ Not Permissible under FCRA 1681b ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( duplicate inquiry ) These inquiries appear without my authorization or any permissible purpose. Under FCRA 604 [ 15 U.S.C. 1681b ], consumer reports may only be accessed for specific, legally defined reasons. The continued presence of these inquiries constitutes a violation.

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 2025-09-23 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: TX

Complaint narrative:
I have noticed collection accounts on my credit report that I believe include inaccurate details. Under the provisions of 15 USC 1681e ( b ) and 15 USC 1681i, I have the right to an accurate and verifiable credit report. I am requesting an investigation into these accounts, and if they can not be confirmed as accurate, they should be deleted from the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: OH

Complaint narrative:
Some things on my credit report are XXXX  years old or older and I keep getting phone calls

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 2025-09-23 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 problem is seriously affecting my peace of mind and sleep. Considering my reliable payment history, I kindly urge you to update my account without delay to relieve this stress.

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 2025-09-23 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: TekCollect Inc.
State: FL

Complaint narrative:
I became aware of a collection account on my credit report that I believe is inaccurate and improperly reported. Upon discovery, I promptly initiated multiple disputes with the collection agency and credit bureaus to request validation of the debt. Despite these repeated efforts, the collection agency has failed to provide the legally required documentation, such as a detailed account statement, proof of debt ownership, or evidence that the debt is valid and mine.

Instead of a proper response, I have received vague, non-responsive communications that do not address the issues I raised. The account continues to be listed on my credit report with inaccurate balances, dates, and status information, which is misleading and inconsistent with Metro 2 compliance standards.

This failure to substantiate the debt and correct the reporting after multiple dispute attempts violates my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and other relevant federal statutes. The continued presence of this unverified collection is adversely affecting my creditworthiness and financial wellbeing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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:
EXPERIAN, EQUIFAX, TRANSUNION, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  : I am filing this complaint to report fraudulent accounts and inquiries appearing on my Experian, Equifax, and TransUnion credit file arising from the recent TransUnion data breach. These accounts were not authorized by me and must be removed immediately : XXXX XXXX Account # XXXX {$41000.00} XXXX  Account # XXXX {$2900.00} Fraudulent inquiries : XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX ) These were caused by unauthorized access to my personal information due to the recent TransUnion breach, and the resulting entries are inaccurate, unauthorized, and severely harmful to my credit. 



Legal Basis for Removal Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ) Requires Consumer Reporting Agencies to block identity theft information within 4 business days after receiving an identity theft report and supporting documentation.

FCRA 623 ( 15 U.S.C. 1681s-2 ) Furnishers must investigate and stop reporting fraudulent accounts once notified of identity theft.

FCRA 605 ( a ) ( 15 U.S.C. 1681c ) Prohibits reporting inaccurate or obsolete accounts.

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. Prohibits collection activities on debts that are fraudulent or disputed.

Identity Theft and Assumption Deterrence Act, 18 U.S.C. 1028 Makes unauthorized use of personal identifying information a federal crime.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: NC

Complaint narrative:
EXPERIAN, EQUIFAX, TRANSUNION, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  : I am filing this complaint to report fraudulent accounts and inquiries appearing on my Experian, Equifax, and TransUnion credit file arising from the recent TransUnion data breach. These accounts were not authorized by me and must be removed immediately : XXXX XXXX Account # XXXX {$41000.00} XXXX  Account # XXXX {$2900.00} Fraudulent inquiries : XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX ) These were caused by unauthorized access to my personal information due to the recent TransUnion breach, and the resulting entries are inaccurate, unauthorized, and severely harmful to my credit. 



Legal Basis for Removal Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ) Requires Consumer Reporting Agencies to block identity theft information within 4 business days after receiving an identity theft report and supporting documentation.

FCRA 623 ( 15 U.S.C. 1681s-2 ) Furnishers must investigate and stop reporting fraudulent accounts once notified of identity theft.

FCRA 605 ( a ) ( 15 U.S.C. 1681c ) Prohibits reporting inaccurate or obsolete accounts.

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. Prohibits collection activities on debts that are fraudulent or disputed.

Identity Theft and Assumption Deterrence Act, 18 U.S.C. 1028 Makes unauthorized use of personal identifying information a federal crime.

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 2025-09-23 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Subject : Formal Complaint Systemic FCRA Violations by XXXX XXXX and TransUnion Dear CFPB, I am submitting this complaint against the nationwide consumer reporting agenciesXXXX XXXXXXXX and TransUnionfor systemic violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
My Personally Identifiable Information ( PII ) was compromised in the XX/XX/year> TransUnion breach and the XXXXXXXX XXXX XXXX breach, exposing my Social Security number and account history. As a result, my consumer files across all three reporting agencies contain compromised, unverifiable, and derogatory accounts. 
These bureaus have violated : - 607 ( b ) : Duty to assure maximum possible accuracy.- 611 ( a ) : Duty to reinvestigate disputes in good faith.- 605B ( 15 U.S.C. 1681c-2 ) : Duty to block identity theftrelated information within four ( 4 ) business days.- 1681b ( f ) : Prohibition on impermissible inquiries.

I request CFPB intervention to compel permanent deletion of all compromised items.

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 2025-09-23 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 hereby contest the late payment and delinquent status currently reported. Those entries are not accurate, and I request that they be updated to Paid as Agreed and all references to delinquency be erased.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: VA

Complaint narrative:
I am filing a complaint regarding Chimes handling of my dispute for unauthorized transactions on my account. The disputed charges include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> {$180.00} ATM Withdrawals XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> {$40.00}, {$42.00}, {$200.00} Total disputed : {$970.00}. 

I did not authorize or benefit from these transactions. I provided supporting evidence, including : My work schedule and employer verification showing I was at work during ATM withdrawals. 
Police report for unauthorized account activity. 
Merchant correspondence confirming I did not authorize charges. 

Chime denied my claim but did not provide clear evidence tying the transactions to my device, login, or authentication credentials. Their denial letter only listed generic factors considered, not specific findings. 

Under the Electronic Fund Transfer Act ( Regulation E ), financial institutions are required to conduct a reasonable investigation and correct errors. I believe Chime failed to perform a proper investigation and wrongfully denied my claim. 

I am requesting that Chime re-investigate and reimburse the unauthorized transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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