vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-21 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: CA

Complaint narrative:
HELLO MY NAME IS XXXX XXXX I WAS A VICTIM OF IDENTITY THEFT AND THERE ARE XXXX FRAUDULENT ACCOUNTS IN MY REPORT WHICH MUST REMOVED FROM MY REPORT NOW. 
XXXX. XXXX XXXX OPENED XXXX, XXXX. XXXX  XXXX OPENED XXXX, XXXX. XXXX  XXXX XXXX OPENED XXXX, XXXX. XXXX XXXX XXXX XXXX. 
I AM THE ONLY PERSON WHO MADE THIS STATEMENT.

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 2025-12-21 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:
HELLO MY NAME IS XXXX XXXX I WAS A VICTIM OF IDENTITY THEFT AND THERE ARE XXXX FRAUDULENT ACCOUNTS IN MY REPORT WHICH MUST REMOVED FROM MY REPORT NOW. 
XXXX. XXXX XXXX OPENED XXXX, XXXX. XXXX  XXXX OPENED XXXX, XXXX. XXXX  XXXX XXXX OPENED XXXX, XXXX. XXXX XXXX XXXX XXXX. 
I AM THE ONLY PERSON WHO MADE THIS STATEMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-21 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: NV

Complaint narrative:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account.

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items. 

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

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 2025-12-21 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: NV

Complaint narrative:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account.

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items. 

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

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 2025-12-21 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:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account.

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items. 

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-21 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: UT

Complaint narrative:
An inaccurate late payment was reported on my credit report by this company. I made the payment on time, and I have documentation supporting this fact. Despite my previous disputes and requests for verification, the company has not corrected the information. This constitutes non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am requesting a full reinvestigation and correction of this error without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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: GA

Complaint narrative:
In XX/XX/year>, my Chime account was charged XXXX unauthorized XXXX XXXX transactions totaling {$86.00}. I disputed these charges, Chime investigated, and the claim was approved ; my funds were returned on XX/XX/year>. 
On XX/XX/year>, at XXXXXXXX XXXX, I received fraud alert texts indicating XXXX XXXX was attempting multiple charges. I immediately replied No to each alert, locked my card, and ordered a replacement card that afternoon. Despite this, XXXX unauthorized XXXX XXXX transactions occurred between XX/XX/year>, and XX/XX/year>, at XXXXXXXX XXXX, totaling {$140.00}. My card was unlocked overnight without my action, allowing the charges to post. 
There is no option in the Chime app to block a specific merchant. After the XXXX fraud incident, I reasonably assumed the merchant would no longer be able to access my account. 
I submitted a dispute with full documentation, including : Screenshots of fraud alert texts showing real-time denial of the charges XXXX dispute confirmation XXXX transaction history Chime denied this recent dispute, stating no error occurred, without explaining how transactions were authorized after my card was locked and replaced, or why the same merchant could access my account again after a prior confirmed fraud. 
Information/Action Requested from Chime : Immediate reversal/refund of the XXXX unauthorized XXXX XXXX XXXX  XXXX XXXX transactions totaling {$140.00}. 
A written explanation detailing how these transactions were allowed after I locked my card and ordered a replacement. 
Documentation showing why my prior XX/XX/year> dispute did not prevent the same merchant from charging my account again. 
Confirmation of steps Chime will take to prevent repeated unauthorized transactions from the same merchant in the future. 
Attachments : Screenshots of fraud alert text messages XX/XX/year> dispute confirmation XX/XX/year> transaction history Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Self Financial Inc.
State: FL

Complaint narrative:
I am disputing a debt that is being reported to the credit reporting agencies. I requested debt validation from the company, but they have failed to provide proper verification that I am legally obligated to pay this debt. 

The company has not provided a copy of an original contract or agreement bearing my signature, an itemized breakdown of the amount claimed, or documentation showing they have the legal authority to collect this debt. Despite this, the account continues to be reported and/or collection activity has continued. 

I believe this violates the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: MN

Complaint narrative:
In reviewing over 50 affidavits filed in state courts ( primarily in South Carolina and Ohio ), I observed a systematic pattern involving Litigation Support Coordinators from Discover Bank or Discover Products Inc. and, more recently, XXXX XXXX XXXX ( as Discovers legal successor in some cases ). 

Key issues : These affidavits use nearly identical boilerplate language, across unrelated cases and affiants. 

Each affiant claims personal knowledge of account records, yet relies almost entirely on automated systems or indirect review. 

Many affiants operate out of XXXX XXXX, Ohio, while affidavits are filed en masse in South Carolina courts. 

Every affidavit asserts the account is governed by a terms level ( e.g., Terms Level 29K, 28K, 27L, 26J, etc. ) a classification system not publicly explained and likely internal to Discover.

You can verify this pattern online by searching : " Litigation Support Coordinator '' " terms level 29K '' site : judicial.state.sc.us Or substitute with : " terms level 28K '' Discover Bank affidavit site : judicial.state.sc.us This will surface public court filings showing the identical affidavit format, submitted across dozens of unrelated debt collection cases.

These patterns raise serious questions about : Authenticity of personal knowledge claims, Mass affidavit generation ( potential robosigning ), Consistency and transparency of Discover/XXXX XXXX account terms system.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-21 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: LEXISNEXIS
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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: TN

Complaint narrative:
This letter serves as formal notice that my personal identifying information has been compromised as a result of widely reported data breaches involving consumer reporting agencies and third-party data furnishers. As a result of this breach, my Equifax consumer report contains inaccurate, unauthorized, and unverifiable information.

Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681, 1681b, 1681e, and 1681i ), Equifax is required to ensure maximum possible accuracy and to delete any account that can not be independently and conclusively verified. 
I am disputing the following accounts in their entirety : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/year> Balance : {$600.00} Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/year> Balance : {$430.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX, I was intentionally deceived into sending {$1000.00} through XXXX. The individual told me that if I sent {$1000.00}, I would receive {$1000.00} in return. This statement was false. After the payment was sent, the individual kept the money and did not provide anything in return. 

Once I realized this was a scam, I immediately contacted my bank and filed a claim regarding the XXXX transaction. I am requesting review of this transaction as fraud due to intentional deception.

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 2025-12-21 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: TN

Complaint narrative:
I am writing to request unauthorized credit inquiries on my EQUIFAX Credit Report. My latest credit report shows 3 credit inquiries that I did not authorize. 
I am writing to dispute the following inquiries and asking for their removal from my credit report. 
INQUIRIES : 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 2025-12-21 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: NV

Complaint narrative:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account.

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items. 

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Mr. Cooper Group Inc.
State: IN

Complaint narrative:
After the prior complaint I noticed that Mr. Cooper removed the status that I am not a fixed loan in which I am in a mortgage fixed loan needs to be corrected. Also I show over 3 years of unreported payments with the credit bureau. I also already made payment on time XXXX XXXX and XXXX of this year they have yet to report all the above is the reasoning why issue with credit scoring not accurate and important credit score points need to be established and fixed I have not received points that reflect on time payments and length of my loan. I did speak to the credit bureaus in a stated that this is an issue with Mr. Cooper they are the ones that send in the ifo and for also increasing points .. the company does. Not the credit bureaus. Mr. Cooper stated on the response of my park complaint that it is not the company their company but the credit bureaus so this issue needs to be addressed between Mr. Cooper and the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
This letter serves as my final notice prior to filing a small claims lawsuit for violations of the Fair Credit Reporting Act ( FCRA ).

Experian is reporting the above account as Paid, Closed {$63.00} written off while simultaneously reporting charge-off and delinquency history. This reporting is contradictory, misleading, and inaccurate, violating 15 U.S.C. 1681e ( b ) ( maximum possible accuracy ).

I disputed this account, yet Experian failed to conduct a reasonable reinvestigation as required by 15 U.S.C. 1681i, merely updating the tradeline without correcting errors or verifying corrupted data fields, including Invalid date entries. The account remains unverifiable.

As a result, I have suffered credit damage, loss of credit opportunities, and emotional distress. 

Demand : Delete the XXXX XXXX tradeline within 15 days of receipt of this notice. 

Failure to do so will result in filing a small claims action seeking statutory damages, actual damages, court costs, and any relief allowed under 15 U.S.C. 1681n and 1681o, without further notice.

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 2025-12-21 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
Earlier this year, I applied for and received a XXXXXXXX XXXX XXXX XXXX and was correctly awarded the associated XXXX Medallion Qualification Dollars ( MQDs ). 

Later in the same year, that XXXX XXXX card was upgraded to a XXXX XXXX card. Because this was an upgrade rather than a new application, American Express and XXXX confirmed that no MQDs were awarded for the XXXX XXXX card. 

Approximately nine weeks ago, I applied for a new XXXX XXXX XXXX XXXX after seeing American Express advertise that cardholders would receive XXXX MQDs as a benefit of holding this card. At the time of this application, I did not hold a XXXX XXXX card. 

I was approved for the card and activated it shortly thereafter. However, more than nine weeks have passed and the advertised XXXX MQDs have not been credited to my XXXX XXXX account. 

When I contacted American Express customer service, I was told that I was not eligible to receive the MQDs because I had already received the XXXX MQDs for a XXXX XXXX card earlier in the year. Customer service representatives stated that this restriction was based on the cards terms and conditions. 

I asked American Express to identify the specific clause in the Cardmember Agreement or offer terms that disqualifies a customer from receiving MQDs on a new XXXX XXXX card due to having received MQDs earlier in the same year. After reviewing the governing terms myself and using keyword searches, I was unable to find any such restriction. 

Although customer service later described a rule that they claim limits XXXX eligibility, this rule does not appear in the cards governing terms and conditions that were in effect at the time of my application. As a result, American Express is denying an advertised benefit based on a rule that was not clearly disclosed. 

I am submitting this complaint because the advertised XXXX benefit for my newly approved XXXX XXXX card has not been honored, and the explanation provided relies on an undisclosed rule that is not contained in the card terms.

Company response to consumer: Closed with explanation