vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-05 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:
An account originally opened with XXXX XXXX and later sold to XXXX XXXX XXXX is being reported on my credit file without my authorization. I never opened or authorized this account, and it constitutes fraudulent activity and identity theft. The account shows an alleged balance of {$5200.00} and has been reported to credit bureaus despite my disputes. 

I previously disputed this account with TransUnion, but they responded verified as accurate without providing any documentation, which violates 15 U.S.C. 1681i ( FCRA procedures for disputing inaccurate information ). I also requested full validation from XXXX XXXX XXXX, including proof that I authorized the account, evidence that they legally purchased the debt, and an itemized accounting of the alleged balance. XXXX XXXX XXXX has not provided this documentation, in violation of 15 U.S.C. 1692g ( FDCPA validation of debt ) and 15 U.S.C. 1681s-2 ( FCRA responsibilities of furnishers to provide accurate information ). 

I have filed an FTC Identity Theft Report ( # XXXX ) to document the fraudulent activity. I am requesting permanent deletion of this account from my credit report in accordance with 15 U.S.C. 1681i & 1681s-2 and will pursue XXXX arbitration and civil action if this issue is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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:
Validate ALL ACCOUNTS WITH ORIGINAL CONTRACTS AND AGREEMENTS. NO COPIES. 
According to the Fair Credit Reporting Act 15 U.S.C. 1681 section 611 section ( a ) ( 1 ) ( A ) * conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

I DEMAND TO SEE VERIFIABLE PROOF : MEANING THIS SHOULD BE HARD EVIDENCE THAT SHOW THE WET INK CONTRACTS, NOT FROM THIRD PARTY CREDITORS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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:
Validate ALL ACCOUNTS WITH ORIGINAL CONTRACTS AND AGREEMENTS. NO COPIES. 
According to the Fair Credit Reporting Act 15 U.S.C. 1681 section 611 section ( a ) ( 1 ) ( A ) * conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

I DEMAND TO SEE VERIFIABLE PROOF : MEANING THIS SHOULD BE HARD EVIDENCE THAT SHOW THE WET INK CONTRACTS, NOT FROM THIRD PARTY CREDITORS.

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 2025-10-06 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: PR

Complaint narrative:
Fraudster access my personal information/credit report and open an auto loan account impacting my credit score. Unauthorized transaction was granted by XXXX XXXX XXXX. Loan details obtained from XXXX XXXX are the following : Balance- {$41000.00} & Monthly Payment- {$820.00}. 

Note : Previous auto hard inquiries were reported to XXXX, Transunion, FTC and CFPB.

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 2025-10-06 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: PR

Complaint narrative:
Fraudster access my personal information/credit report and open an auto loan account impacting my credit score. Unauthorized transaction was granted by XXXX XXXX XXXX. Loan details obtained from XXXX XXXX are the following : Balance- {$41000.00} & Monthly Payment- {$820.00}. 

Note : Previous auto hard inquiries were reported to Equifax, XXXX, FTC and CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
I am writing to formally request that you cease and desist all communication with me regarding the alleged debt you claim I owe, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ).

You are hereby notified to stop all written and verbal contact with me, including but not limited to phone calls, text messages, emails, letters, or any other form of communication. You are also prohibited from contacting my family, employer, or any third parties about this alleged debt.

If you believe I owe this debt and intend to pursue further action ( e.g., filing a lawsuit ), you are permitted under the FDCPA to inform me of that once but you must otherwise cease all further contact.

Failure to comply with this request may result in a complaint filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and/or legal action for damages under the FDCPA. 

Please confirm in writing that you have received this request and will comply. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 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: FL

Complaint narrative:
TransUnion violated the Fair Credit Reporting Act, 15 U.S.C. 1681e ( b ) and 1681i, by publishing and maintaining false, misleading, and unverifiable credit information about me. They are reporting accounts that can not legally exist in the form shown. 

XXXX Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX  Account reported as charged-off, though the balance was paid in full. Reporting is inaccurate and misleading under 15 U.S.C. 1681e ( b ). 
XXXX Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX Account reported as charged-off, though the balance was paid in full. Reporting is inaccurate and misleading under 15 U.S.C. 1681e ( b ). 
XXXX Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX Account Reported as 120 day late - Closed. Underlying debt not validated or verified. 

These entries are inherently false and can not be verified because no post-closure or post-charge-off billing data exists. By continuing to publish them, TransUnion is violating the accuracy and reinvestigation duties imposed by 1681e ( b ) and 1681i.

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 2025-10-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Winklevoss Exchange LLC
State: VA

Complaint narrative:
Hello, I opened a XXXX XXXX XXXX, used it for a couple of months with no issues and now I've been locked out of my account for a week. I had a little over {$200.00} in crypto saved up ; I cashed it out and tried to send it to my bank. When I did that the app locked me out. I've called support several times, and they keep " escalating '' the issue. I finally heard back from someone and they told me to check my authentication methods again because there's an authenticator app that I didn't setup on my account. There is no way for me to recover my account, or use my card, and support is completely nonexistent. I can't even provide my card number because they don't print XXXX on the card and it's locked in the app I can't access.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Chime Inc.
State: NY

Complaint narrative:
I am making complaint against Wave money transfer. On XXXX l sent money to my sister in XXXX After a few days XXXX called me and told me that the transaction was canceled and l will get a refund after a few days l waited for a month and never got a refund l called and they told me they didnt take the amount from my bank account. I called my bank the bank confirmed that the amount was taken and tharge still visible .l ask my bank to cancel this transaction and refund me Wave blocked my account and l can't use the service anymore. I want them to unblock my account. 
Thank you. The amount was {$41.00} and the bank is XXXX XXXX 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
XXXX is owed I don't owe this credit card any money. I have told them I didn't owe them. I don't have the dates or amounts. The actions that were taken was keep on writing me & sending me to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a victim of XXXX XXXX this is my second attempt of notifying the bureau.

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 2025-10-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Date : XX/XX/year> Debt Collectors Name MIDLAND CREDIT MANAGEM RE : Request for Debt Validation To Whom It May Concern, I am writing in response to a call I received on XX/XX/year> regarding an alleged debt. I am requesting that you provide validation of this debt as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following : 1. The amount of the alleged debt ; 2. The name of the creditor to whom the debt is currently owed ; 3. A copy of the original contract or agreement bearing my signature, if applicable ; 4. Detailed account history, including the date and amount of all charges and payments ; 5. Proof that your agency is legally authorized to collect debts in my state.

Until you provide the information requested above, please cease all collection activities, including reporting this account to credit reporting agencies. 
This letter is not an acknowledgment or acceptance of the debt and should not be construed as such. I am merely requesting validation of the alleged debt. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 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: NY

Complaint narrative:
I have several accounts on my credit reports TransUnion, XXXX  and Equifax that are reporting charged off or write off accounts. TransUnion I created a dispute form and when it came back the information on my credit report was not changed from the charged off, the same was done with XXXX and Equifax. From my understanding of the law in order for a company to update on your credit report as write off they would have had to write off the debt and file it on taxes. From my understanding if this is the case then I should have not paid the debt off if it was a write off. Some also was settled less than the amount that was owed. As a result, this is affecting my credit even though the debt has been paid or settled the write off is still considered a negative. I am asking for assistance due to this issue at hand. I believe that the companies did do a write off on there taxes and also got paid for the debt but has refused to update my account without the write off or charge off stating on my credit report. I asked for Disputes from all XXXX XXXX XXXX XXXX around XX/XX/year>. Amounts XXXX are XX/XX/year>, charged off amount/ written off {$280.00} XX/XX/XXXX, XXXX was paid in full and amount XXXX account charged off written off XX/XX/year> paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I first had an issue with fraudulent activity on my XXXX  unemployment benefits account by bank of america dating back to XX/XX/year>, I informed the bank that my former apartment manager used my information and was impersonating me to get the benefits in my account. I filed several disputes turned in all the law enforcement reports identity theft reports and proof of my working location at the time. I asked several times to close the account and open a new account number and I received the reply that they were not able to do so being the fact that they were not the issuer of said account. Failing to protect my account enabled the identity theft to continue and my account was ultimately drained of approximately {$25000.00} and I was denied reimbursement and I received notices that the claims were denied due to the fact that the fraudster had all of my information and all of my identification.

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 2025-10-06 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
CFPB Complaint Unlawful Reinsertion & Inaccurate Reporting of XXXX XXXX XXXX Account Against : Equifax Information Services LLC XXXX. XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX Complaint Summary : Equifax is unlawfully reporting a XXXX XXXX XXXX charge-off that has already been removed from both XXXX XXXX XXXX 

This account was removed from Equifax on XX/XX/year>, yet it was reinserted without proper written notice as required by the Fair Credit Reporting Act ( FCRA ). Instead of receiving original documentation, Equifax relied on AI verification systems and accepted only photocopies of documents with no valid signatures linking me, XXXX XXXX XXXX XXXX, to this account. 

Additionally, XXXX XXXX XXXX has transferred this alleged debt to XXXX XXXX XXXX, further clouding the ownership and accuracy of the reporting. The documentation provided includes inaccurate names and addresses that do not belong to me, which have already been successfully disputed and removed from my credit file. Neither XXXX XXXX XXXX is reporting these errors. 


Violations of the Fair Credit Reporting Act ( FCRA ) : FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] Equifax must ensure the maximum possible accuracy of consumer information.

FCRA 611 ( a ) ( 5 ) ( B ) [ 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ] If an item is reinserted, Equifax must : 1. Certify validity with the furnisher, and 2. Provide written notice to the consumer within 5 business days. 
No such notice was provided. 
FCRA 609 [ 15 U.S.C. 1681g ] Consumers have the right to the method of verification. Equifax has failed to provide original documentation despite multiple requests.

FCRA 623 [ 15 U.S.C. 1681s-2 ] Prohibits furnishers from reporting information that is inaccurate or misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AZ

Complaint narrative:
Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: CA

Complaint narrative:
My card was stolen while I was incarcerated so XXXX was spent on my account I tried to dispute for over XXXX months now nothing has happened. I bank with chime and theyve done absolutely nothing to help me even with the documents that I provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: FL

Complaint narrative:
This is a follow-up notice to my previous dispute concerning inaccurate and misleading accounts that remain on my credit report. Despite my earlier request, these items were not deleted, and their continued appearance is damaging and unlawful. 
The accounts are XXXX XXXXXXXX XXXX XXXX with a Balance Owed : {$0.00}, and XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  with a Balance Owed : {$0.00}. * * Both are listed as late closed, yet each carries a XXXX balance and no open obligation. Reporting these accounts in any negative status is inaccurate, unverifiable, and harmful. 
Under FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), I have the right to dispute information that is incomplete or inaccurate, and you are required to conduct a reasonable reinvestigation. Because these accounts remain unverifiable and factually misleading, they must be deleted in full not updated or corrected. 
Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting any information they know or should know is inaccurate. Continuing to report these closed, zero-balance accounts as derogatory clearly violates this provision.

According to FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), you are required to ensure maximum possible accuracy in every consumer file. Allowing these entries to remain after prior notice fails that legal duty. Lastly, under 605B / 15 U.S.C. 1681c-2, any unverifiable or disputed item must be blocked or permanently deleted from a consumers credit report once challenged.

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 2025-10-06 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: IL

Complaint narrative:
Fraudulent account on my credit profile company keeps reinserting it on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: AL

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 id-entity 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 response to consumer: Closed with non-monetary relief