vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 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: DC

Complaint narrative:
I XXXX XXXX AM SUBMITTING THIS COMPLAINT ON BEHALF OF MYSELF. THIS IS NOW MY THIRD REQUEST, AS MY PREVIOUS XXXX HAVE GONE UNANSWERED. 

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: WA

Complaint narrative:
XXXX XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: PA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-11-19 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 explanation
Consumer complaint received 2025-11-19 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: GOLDMAN SACHS BANK USA
State: CO

Complaint narrative:
This is the third dispute in years. First one was clearly fraud, mailing things that didn't even resemble product purchased, used fraudulent company. Took me 9 months and XXXX denials from the credit card company before they reversed. Second one was a company sent wrong product and instructed me to do this, I had to file it XXXX times with the credit card company, they company said they were never contacted by the credit card company and the were wanting it to be credited, I later found out after speaking to manager that they use AI and nobody actually looked at my case. 

This current case is a charge that is owed per the companies stated refund policy and agreement made at purchase, the company will not return my money. Photos were sent to credit card company, I call them to speak to someone and I can never speak to someone in disputes, they deny without review, and use ai to remove customer protections of fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Regional Management Corporation
State: TX

Complaint narrative:
I am contacting you because I recently received communication regarding an alleged debt associated with the above-referenced account. The information provided to me has been unclear and insufficient to confirm the validity, ownership, or accuracy of this debt. I have not been provided with the required documentation that verifies the amount owed, the original creditor, or proof that your company has the legal right to collect on this account. Without this information, I am unable to determine whether this debt is legitimate or whether it contains errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: NY

Complaint narrative:
I am submitting this dispute to address several discrepancies found on my credit report across the XXXX major credit bureaus : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and TransUnion ( TU ). These errors involve charged off accounts, inquiries, and late payments. Below is a breakdown of the disputed items for each bureau. 
Charged Off Accounts : XXXXXXXX XXXX XXXX  Account Number : XXXX, Date : XX/XX/year>, Balance : {$4900.00} XXXX  Account Number : XXXX, Date : XX/XX/year>, Balance : {$10000.00} Inquiries : [ No inquiries listed for TransUnion ] Late Payments : XXXX XXXX, Account Number : XXXX XXXX, Account Number : 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 2025-11-19 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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:
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 non-monetary relief
Consumer complaint received 2025-11-19 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: GA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am filing a complaint against XXXX regarding inaccurate and conflicting credit reporting for account XXXX XXXX XXXX XXXX XXXXXXXX. I have attempted to dispute the information through the credit bureaus and directly through my prior CFPB complaint, but XXXX has not corrected the inaccurate information and did not address the issues I raised. 

XXXX is reporting the account as both open and charged off. A charge-off can not legally be reported as an open account under Metro 2 guidelines. A charge-off must be coded as a closed account, and reporting it as open is inaccurate. This violates FCRA 607 ( b ), which requires furnishers to report with maximum possible accuracy. 

In addition, the dates associated with this account are inconsistent across all three credit bureaus. The date of last activity, date opened, date reported, and payment history do not match between TransUnion, Experian, and Equifax. These inconsistencies indicate that the information being furnished is not accurate, and no reasonable investigation has been conducted as required under FCRA 611.

Santanders previous response to my dispute stated that they had not received any direct disputes from me, which is incorrect. I submitted disputes through the credit bureaus as well as through my CFPB complaint. Their response did not address the specific inaccuracies I pointed out, nor did it explain how they determined their reporting to be accurate. 

XXXX has also failed to provide a consistent Date of First Delinquency ( DOFD ), which is required for a charge-off. Without a valid DOFD, the reporting can not be verified. There are also unexplained discrepancies in the payment history compared to their own documentation.

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 2025-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED 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 non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have XXXX collection accounts on my credit report with the same amount that I do not recognize. I am a victim of identity theft and submitted my police report and supporting documents to the credit bureaus when I disputed the accounts. 

After disputing the accounts, they were not removed from my credit report, so I followed up with a phone call to the collection agency. I explained that I had uploaded all documents with the dispute, but they told me they never received any of the documents from the credit bureaus. I also requested that they validate the debt, but up till now, they have not sent me anything. 

By law, since the debt has not been validated, these accounts must be removed from my credit report. The accounts are inaccurate, unverified, and harmful, and I am requesting they be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Someone claimed there was fraud associated with a transaction from my Wells Fargo business account for XXXX XXXX XXXX. The business We Buy Cars falsely reported a transaction from XXXX XXXX  in the amount of {$19000.00} as fraudulent. The claim was just submitted this XXXX XXXX months later. I have multiple transaction history from doing business with this company. All wire codes and confirmation codes were sent to the business owners phone and email, In fact he would make verification calls to clear any wire that was flagged for review. 
XXXX XXXX XXXX XXXX and XXXX XXXX XXXX reside at the same business location at XXXX XXXX XXXX XXXX, XXXX FL XXXX. XXXX XXXX and XXXX XXXX is the only separation between us. After confronting the business owner about the false accusation he called his bank which is also Wells Fargo and retracted the claim to cancel the dispute. I then called My Wells Fargo and asked them if they see the cancelled dispute and if they will keep my account open. The rep said they dont see the claim cancellation and if its not received by the XXXX of XXXX my account will be closed. 
Ive done nothing but great business with Wells Fargo and they wont even attempt to investigate if the claims against my company were indeed true or false. Even the smallest investigation will show the transaction on XX/XX/year> for {$19000.00} was indeed an authorized transaction. 
In the pictures and PDFs you will see we have many transactions even after XX/XX/XXXX the bank statements can show well after XXXX we continued to broker deals.

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 2025-11-19 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: NY

Complaint narrative:
I am writing to formally dispute the following charged-off accounts that appear on my Equifax credit report. I believe these accounts are inaccurate and require your urgent attention to resolve. Below are the details of the accounts in dispute : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Dispute Reason : I believe this account is inaccurately reported as charged-off. I request verification of this account. 

XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$28000.00} Dispute Reason : I believe this account is inaccurately reported as charged-off. I request verification of this account. 

XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Dispute Reason : I believe this account is inaccurately reported as charged-off. I request verification of this account. 

XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} Dispute Reason : I believe this account is inaccurately reported as charged-off. I request verification of this account. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} Dispute Reason : I believe this account is inaccurately reported as charged-off. I request verification of this account. 

XXXX  Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00} Dispute Reason : I believe this account is inaccurately reported as charged-off. I request verification of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 explanation
Consumer complaint received 2025-11-19 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: NY

Complaint narrative:
Dear Sir/Madam, I am writing to dispute several items on my Experian credit report that I believe to be incorrect. Please find the detailed information of the disputed items below : Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2900.00} Dispute Reason : This account has been inaccurately reported as charged off. I believe this is an error. The account should reflect the accurate payment history and status. I request that this item be corrected accordingly. 

XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$230.00} Dispute Reason : This account has been inaccurately reported as charged off. I request that you review the payment history and correct the account status. 

Inquiries : XXXX Date of Inquiry : XX/XX/XXXX Dispute Reason : This inquiry was unauthorized. I have not given permission for this inquiry and request its removal. 

XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Dispute Reason : This inquiry was unauthorized. I have not authorized this inquiry and would like it removed from my report.

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 2025-11-19 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: CA

Complaint narrative:
I am writing to file a formal dispute regarding several accounts and inquiries that are inaccurately reported on my credit file. Below, I have outlined the disputed items for each bureau. 

EQUIFAX : Charged Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: NJ

Complaint narrative:
Im filing this complaint for Chime banking. They didnt follow reg e guidelines when disputing unauthorized transactions on my account. I provided indisputable evidence to support my claims along with police reports on the situation that had accrued. Between the XXXX disputes I was disputing around XXXX XXXX XXXX XXXX charges that were made to my account by someone who accessed my phone XX/XX/year> and XXXX. I filed multiple rebuttals with Chime with lots of evidence supporting my claims and was only denied everytime and then submitted police reports for my claims and then while my disputes were still being investigated they issued to have my account closed. Then right before my account closed they also closed the disputes quickly. They have definitely violated my reg e rights and they have done this before to many consumers. Thank you.

Company response to consumer: Closed with explanation