vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Account # XXXX To Whom It May Concern : Notice for validation of debts. 
Pursuant 12 CFR 1006.34c This Alleged debt is disputed in its entirety, Pursuant 12 CFR 1006.34 ( c ) This is a notice for Validation of debt. Cease and desist immediately any and all collection activities on this alleged debt until your able to provide Validation Pursuant 12 CFR 1006.34 ( c ). 

XXXX XXXX XXXX, you have not met all validation requirements under 15USC 1692 Fair Debt Collection Practice Act, therefore, the alleged account is being furnished to my consumer report non compliant to 15 USC 1681. Furthermore, I request a description of the procedure used in the investigation of the alleged debt in accordance to 15USC 1681i ( 6 ) ( b ) ( 3 ). 

In addition, the alleged consumer credit transaction account is being furnished under false or misleading representations according to 15 USC 1692e ( 10 ). 


Regards, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: NC

Complaint narrative:
Lvnv collection Would like to request purchase agreement the insurance claim of debt verify in statue of limitations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: NC

Complaint narrative:
Lvnv collection Would like to request purchase agreement the insurance claim of debt verify in statue of limitations

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 2025-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: CA

Complaint narrative:
XX/XX/year> Chime Dispute Resolution Department : I have previously reported a \ {$400.00} XXXX XXXX authorization hold ( XX/XX/year> ; Order # XXXX ) that was cancelled by XXXX and never capturedbut Chimes frontline support insists no such transaction ever occurred. My XX/XX/year> Checking statement shows I am short {$400.00} ( the math does not balance ), yet you refuse to locate or explain this discrepancy. 


Besides a credit for {$400.00} as soon as possible for 10 business day I also request : 1. Escalation of this issue to your formal Dispute Resolution Department or Investigations Team. 
2. Provision of my internal account log for XXXX XXXX XXXX, showing any holds, authorizations, or attempted transactions of {$400.00}. 
3. A written audit report detailing where that \ {$400.00} went or proof that no hold was placed and why my balance is {$400.00} lower than it should be. 
I do have proof of the XXXX order been place and canceled for the amount of XXXX Screenshots of my bank account from the XXXX until the XXXX where I can proof my balance never increase and the amount was pending Under Reg E ( 12 C.F.R. 1005.11 ) you must investigate errors reported within 60 days and either provisionally credit the amount within 10 business days or explain why no error occurred. Under Cal. U.C.C. 9204, holds not converting to charges must be released without delay. 

Please confirm receipt of this escalation within 2 business days. If I do not receive a substantive response and the requested audit by XX/XX/year>, I will file formal complaints with the California DFPI and the CFPB, and consider all legal remedies available to me. 

Sincerely, XXXX XXXX Chime Member

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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 a victim of XXXX XXXX. There are several credit cards and car loans that i didnt give anyone permission or authorization to open.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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 a victim of XXXX XXXX. There are several credit cards and car loans that i didnt give anyone permission or authorization to open.

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 2025-05-06 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: EQUIFAX, INC.
State: WI

Complaint narrative:
Several attempts made to open credit under my name. I was affected by the data breach from XXXX XXXX XXXX and Equifax. 

The inquires are listed below : Report submitted! Thank you for helping our work to protect consumers. 
Report Number XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX Email : XXXX Phone : XXXX City : XXXX XXXX : Wisconsin Zip Code : XXXX -- XXXX Country : XXXX What happened Several attempts was made to open credit accounts in my name : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Several attempts made to open credit under my name. I was affected by the data breach from XXXX XXXX XXXX and Equifax. 

The inquires are listed below : Report submitted! Thank you for helping our work to protect consumers. 
Report Number XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX Email : XXXX Phone : XXXX City : XXXX XXXX : Wisconsin Zip Code : XXXX -- XXXX Country : XXXX What happened Several attempts was made to open credit accounts in my name : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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

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 2025-05-06 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-05-06 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:
Pursuant to the Fair Credit Reporting Act ( FCRA ), you are legally obligated to verify the accuracy and validity of the disputed item within 30 days of receiving this notice. Additionally, any information determined to have resulted from a data breach must be deleted or blocked within four ( 4 ) business days of your receipt of this letter. If verification can not be completed, federal law requires the immediate removal of the item from my credit report. 

I have submitted a sworn affidavit affirming that my consumer credit report contains clear evidence of fraud and unauthorized inquiries. Therefore, I formally request that you take prompt action to delete or block the disputed items in order to prevent further escalation. 

If you fail to verify the item in accordance with the FCRA and continue to report it, I will be left with no choice but to pursue legal remedies. These include seeking actual damages and declaratory relief under FCRA 616 Civil Liability for Willful Noncompliance [ 15 U.S.C. 1681n ]. For your reference, a copy of the applicable statute is enclosed.

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 2025-05-06 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 complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Date : XX/XX/XXXX To : [ Credit Bureau XXXX XXXX, Experian, XXXX or XXXX  ] [ Credit Bureau XXXX ] ________________________________________ Subject : Dispute of Inaccurate Charge-Off Account on Credit Report Dear Experian, I am writing to dispute an inaccurate item that appears on my credit report. I am requesting an investigation and prompt correction or deletion of the following account under the Fair Credit Reporting Act ( FCRA ). 
The item in question is listed as a charge-off from the following creditor : Creditor Name : XXXXXXXX XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$2400.00} I am disputing the accuracy of this account because : The balance is incorrect. 
The dates of delinquency and charge-off are inconsistent. 
Under the FCRA, you are required to investigate this matter and remove or correct any inaccurate or unverifiable information. Please provide written confirmation of the results of your investigation. 
I have enclosed a copy of my credit report with the disputed account highlighted, along with any supporting documentation for your review. 
Thank you for your attention to this matter. 
Sincerely, 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 2025-05-06 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:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soon as possible : XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: NJ

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX Balance : {$500.00} Open Date XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The following companies checked my credit and performed hard inquiries, and I would like them removed XXXX XXXX : XXXX. XXXX, XXXX + Banks XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/PersonaXXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX FCU Inquiry : XX/XX/XXXX + Credit Unions and Finance Companies Other Than Personal Finance Companies XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing ( XXXX ) XXXXXXXX XXXX XXXX VIA DEALER Inquiry : XXXX XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX, XXXX XXXX : XXXX XXXX, XXXX + Automobile Dealers, New ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + All Banks ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Credit Unions ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX, XXXX XXXX : XXXX XXXX, XXXX + Automobile Dealers, New ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ACIMA CREDIT, LLC
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX has violated the statue of limiations in the state of Arizona and took a payment from me on XX/XX/year> to collect debt and start the clock over. They used scare tactics suggesting i could be sued and face a judgment, and XXXX XXXX XXXX XXXX did not provide documents or dates of last payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge 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: Chime Financial Inc
State: NE

Complaint narrative:
am writing to file a complaint against Chime regarding a series of unauthorized transactions on my account that occurred on XX/XX/XXXX. Three fraudulent charges were made using my credit card totaling {$120.00}. 

While the card was still being used, I immediately contacted Chime support to stop the transactions. I was told I had to wait for them to fully process before anything could be done. I locked my card right away and began reaching out to the merchants involved. Some stores were willing to assist by reviewing footage or transactions to confirm it wasnt me but I was informed the next day that only law enforcement could access this information. 

As soon as I was able, I filed a formal dispute with Chime. Despite my swift actions and the clear indication that my information had been compromised, Chime denied my dispute not once, but twice. 

I am a XXXX veteran and a single mother, and this was the last of my available money. The handling of my case was deeply dismissive and left me in a severe financial bind. The dispute process did not appear to be conducted with proper care or seriousness. I was not given any fair opportunity to provide supporting evidence beyond the initial submission, and the outcome suggests little to no investigation was done on their part. 

I am requesting the CFPBs help to : Prompt a fair and thorough re-investigation by Chime ; Ensure financial institutions uphold their responsibilities under Regulation E ; Hold Chime accountable for mishandling my fraud claim and financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. This fraudulent, inaccurate, and false information consists of XXXX XXXX * * * *, XXXX XXXX XXXX * * * *, XXXX XXXX XXXX * * * *, XXXX XXXX XXXX * * * *, XXXX XXXX  XXXX * * * * These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: IL

Complaint narrative:
I am submitting this complaint because my credit report contains inaccurate and possibly fraudulent information that I did not authorize or recognize. Some of the accounts, inquiries, or personal data appearing on my report do not belong to me, and I believe they may be the result of identity theft or misreporting by data furnishers. These inaccuracies are negatively impacting my credit score and causing undue harm to my financial well-being. Please see the fraudulent items below that need to be remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: PINNACLE RECOVERY, INC.
State: NY

Complaint narrative:
So on XXXX XXXX XXXX at XXXX I was contact from number XXXX ( XXXX ) XXXX. They asked if I am the person they are they contacting. I said yes this is him. Then they started asking more questions that I did not answer. Before I wanted to answer those private questions. I wanted to know who they were, so I asked who they were. The representative said their name. Then I asked them the name of their company. They gave me a one word answer Pinnacle. Then I asked them the nature of their business, which they replied servicing private and personal business matters. I said well all businesses do that. What do you service? They replied that I was refusing to identifying, that I was being difficult and said they are disconnecting the call. Not before they told me to XXXX their number to find out who they are. I called back and tried to found out again that information, I got the same results. 

They called again on XX/XX/XXXX at XXXXXXXX XXXX The same type of conversations occurred. I contact my attorney office by then and they had if formed me that company seems to be a collection company for some timeshare company. And if they fail to identify themselves they are breaking the law. and the next time I should report them. 

I am reporting that they are in violation of 12 CFR Part 1006.18 ( e ) ( 1 ) and ( 2 ). They THEMSELVES failed to communicate to me they are ATTEMPTING to collect a DEBT and THAT THEY ARE DEBT COLLECTION company. 

I have recorded voice evidence...

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