vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-29 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXXXXXX 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 FRAUDULENT INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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 was affected by the equifax data breach. this has caused identity theft. 
i have been in contact with transunion, equifax and experian with no help I am submitting this Identity Theft Affidavit in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, which gives identity theft victims the right to block fraudulent information from appearing on their consumer report. I have recently been the victim of Equifax Data Breach and Identity Theft, and I am requesting that all fraudulent accounts and related inquiries listed below be blocked, deleted, or suppressed from my consumer reports immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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:
i was affected by the equifax data breach. this has caused identity theft. 
i have been in contact with transunion, equifax and experian with no help I am submitting this Identity Theft Affidavit in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, which gives identity theft victims the right to block fraudulent information from appearing on their consumer report. I have recently been the victim of Equifax Data Breach and Identity Theft, and I am requesting that all fraudulent accounts and related inquiries listed below be blocked, deleted, or suppressed from my consumer reports immediately.

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 2025-10-29 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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 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 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I noticed some unauthorized accounts listed on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally disputing the referenced accounts, which I did not authorize. As they appear to be fraudulent, I request their deletion and a comprehensive inquiry. Documentation is included.

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 2025-10-29 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: FIRST HORIZON BANK
State: TN

Complaint narrative:
First Horizon Bank XXXXXXXX XXXX XXXX  Only XXXX reports XXXX lates ; others show none. Indicates inconsistent furnishing. FCRA 1681e ( b ) ; 1681i ( a ) ( 1 ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) ; XXXX XXXX XXXX XXXX. ( XXXX ) This account is inaccurately reported. Please verify or delete the inconsistent late payments. {$1000.00} VIOLATION PER FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: FL

Complaint narrative:
This complaint concerns materially inaccurate and unverifiable reporting by Experian regarding a XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX installment account ( Account ending XXXX, opened XX/XX/XXXX ). 

XXXX written response dated XX/XX/XXXX ( attached ) admits that it furnished delinquency data to the credit bureaus and confirms that the account was transferred or sold on XX/XX/XXXX. Despite this admission, Experian continues to report this tradeline as XXXX, closed with multiple XXXX and XXXX late entries, and fluctuating balance data inconsistent with the furnishers own statements. 

These contradictions show that XXXX reporting is inaccurate and unverifiable : The furnisher referenced a non-existent delinquency category ( 3050 days past due ). 
Experian shows delinquency codes that conflict with both TransUnion and Equifax reports. 
The reported Date of First Delinquency and balances differ from the figures stated by the furnisher. 

Under the Fair Credit Reporting Act ( FCRA ), Experian is required to follow reasonable procedures to assure maximum possible accuracy ( 1681e ( b ) ) and must reinvestigate disputed information ( 1681i ). Reporting unverifiable, inconsistent, and outdated data violates both sections as well as the Metro 2 Credit Reporting Resource Guide standards for transferred/sold accounts.

I request the following actions : Immediately suppress or delete the inaccurate tradeline pending full documentary verification.

Require Capital Community Bank to provide complete Metro 2 field documentation ( payment history, XXXX, current balance, transfer details ) and copies of all XXXX communications sent to Experian. 

Provide a written statement identifying the specific documentation Experian used to verify the account. 

If full documentation can not be provided, permanently delete the tradeline and confirm in writing. 

The continued publication of unverifiable information has caused measurable financial harm, including a XXXX XXXX XXXX XXXX denial on XX/XX/XXXX, resulting in an estimated {$80000.00} loss in credit opportunity. 

Attached : Experian credit report pages ( XX/XX/XXXX ), XXXX XX/XX/XXXX letter, XXXX and XXXX XXXX pages, XXXXXXXX XXXX denial letter, and CFPB complaint confirmation # XXXX. 

I request a compliance-level response confirming the documentation used for verification, and confirmation of suppression or deletion within 30 days in accordance with FCRA 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 explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
My account with wells fargo was hacked. The hackers deposited checks into my account with my name not even being spelled correctly and wells fargo tried to blame me. They have since returned payments that I actually authorized and had funds for as unpaid. The account is being closed but not timely enough to fix all my account the are returning as unpaid.

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 2025-10-29 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: IL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: ID

Complaint narrative:
I am the victim of Identity theft at the reporting bureau refuses to remove and or supply the information they claim to have used to verify debt, i have now also filed with the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: EQUIFAX, INC.
State: OK

Complaint narrative:
Ive been a victim of identity theft, and even after sending proofincluding an Identity Theft Affidavitthe credit bureaus are still reporting accounts that I never opened. I followed all the steps under the Fair Credit Reporting Act, but they keep verifying the wrong information through unreliable sources. Im asking for help to get these fraudulent accounts deleted once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: WI

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXX - XX/XX/year> 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 2025-10-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC
State: TX

Complaint narrative:
Complainant : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX Companies : Source Receivables Management ( SRM ) collector XXXX XXXX, XXXX XXXX XXXX Amount : {$450.00} Account : XXXX I dispute a XXXX  collection related to XXXX that was placed by Source Receivables Management ( SRM ) after I transferred service XXXX XXXX on XX/XX/year> XXXX A line appears to have been left active in error ; I did not use XXXX after the transfer. I received no mailed bill or written notice from XXXX prior to collectionsonly an SRM textfollowed by an approximately XXXX decrease in my credit score. I sent a Debt Validation request to SRM under FDCPA 1692g, and I escalated to XXXX XXXX XXXX XXXX requesting reversal of charges, pull-back from SRM, and deletion of credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: NJ

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 2025-10-29 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: EQUIFAX, INC.
State: NJ

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 2025-10-29 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: SC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ 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 explanation
Consumer complaint received 2025-10-29 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: GA

Complaint narrative:
This is my second-round complaint regarding a XXXX XXXX XXXX account that Equifax continues to report inaccurately, despite multiple disputes.

The attached Equifax document shows this account is listed as a Debt Buyer Account proving the debt was sold by the original creditor, XXXX. Under FCRA 623 ( a ) ( 1 ) ( A ) and FDCPA 1692e, XXXX XXXX can not verify or report an account it did not originate or legally own. 

Equifax has repeatedly verified this item without providing any original documentation or proof of ownership, which violates FCRA 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ) ( A ) ( failure to delete unverifiable information ). Additionally, the continued reporting of a sold debt violates 1681b ( f ) ( no permissible purpose ). 

I have already mailed a formal dispute letter demanding deletion within 24 hours. Equifax remains in noncompliance and continues to report this account inaccurately, causing harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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 XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: TX

Complaint narrative:
XXXX is reporting my XXXX XXXX loan as continuously delinquent from XXXX. However, the servicer did not send any delinquency notices between XX/XX/XXXX and XX/XX/XXXX. I made collection payments through XXXX XXXX multiple months XXXX, but the account was not re-evaluated or re-established after those payments. The delinquency timeline was not reset, and no monthly delinquency notices were sent during that period. 

I disputed the credit reporting and requested verification, including copies of delinquency notices and proof they were actually sent. XXXX responded that the XXXX does not provide an answer and closed the dispute on XX/XX/XXXX without providing verification. XXXX then reported the account as verified to Experian despite not providing documentation of required delinquency servicing or notice delivery. 

I am requesting that the delinquency reporting from XXXX be corrected or removed unless XXXX can provide documentation showing that required delinquency notices were sent and the account was properly serviced after the XXXX collection payments.

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 2025-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: PMT Solutions, LLC.
State: WA

Complaint narrative:
I received a collections letter from PMT Solutions after XX/XX/XXXX. Following the letter, I have received XXXX phone calls from PMT Solutions in less than a week. This violates the 7 communications in 7 days law. Debt collectors don't seem to realize that the more they call, the less likely they will receive any money for the debt. PMT has not taken any initiative to leave me a voicemail, and at this point they are just harassing me. I have no legal obligation to pick up the phone and acknowledge the debt, especially when I have the letter right in front of me. 
I'd hope the people working as collectors would be smart enough to know that we see your calls, and every time you call, the less inclined we are to work with you.

PMT Solutions will be receiving a letter listing them as a creditor when I file for XXXX. 
I'm currently waiting for them to call me this afternoon as they have called enough times to reveal a pattern for when they will call- once in the morning and once in the afternoon and maybe once in between those XXXX calls as well if they're feeling extra useless that day.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Chime Financial Inc
State: OK

Complaint narrative:
I made XXXX {$200.00} withdrawals on my XXXX app. The money was sent to Chime and is being held at XXXX  XXXX. I have called Chime several times. I was told after my XXXX call that it would be handled in under 5 days. They keep telling me to make a dispute through XXXX which can not be made since the money has already left XXXXXXXX XXXX accounts. XXXX can only provide the tracer numbers and the bank statement which they have both given to me.

Company response to consumer: Closed with explanation