vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FEDChex Recovery, LLC
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX Re : DEMAND FOR IMMEDIATE DELETION Account Number : XXXX Alleged Creditor : XXXX XXXX XXXX 
XXXX XXXX : FCR Services To Whom It May Concern, This letter serves as a formal demand for immediate deletion of the above-referenced collection account currently being reported on my consumer credit file. 
I dispute this account in its entirety. At no time have I been provided with legally sufficient evidence establishing that I owe this alleged debt, that the amount claimed is accurate, or that FCR Services has lawful authority to collect or report it. 
Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), you are required to ensure that any information furnished to consumer reporting agencies is 100 % accurate, complete, and fully verifiable. To date, you have failed to meet this burden. 
Specifically : No signed contract or agreement bearing my signature has been produced No itemized accounting has been provided to justify the alleged balance of {$3000.00} No proof of assignment or ownership of the debt has been furnished No evidence has been presented establishing my legal obligation Reporting unverifiable information constitutes willful noncompliance under federal law.

You are hereby directed to DELETE this account immediately from all consumer reporting agencies unless you can provide the following within 15 days : A copy of the original signed contract or agreement A complete, itemized accounting of the alleged balance Proof of lawful assignment granting FCR Services authority to collect and report Verification that the debt is not time-barred under applicable statute of limitations If you are unable to produce the above documentation, continued reporting of this account will be considered knowingly inaccurate, exposing your company to civil liability, statutory damages, and enforcement actions. 
No consent is granted for further reporting, verification updates, or communication regarding this account outside of written confirmation of deletion. 
Failure to comply will leave me no choice but to pursue all remedies available to me under federal and state law. 
I expect written confirmation of deletion. 
Sincerely, XXXX XXXX XXXX XXXX XXXX Date of Birth XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: IL

Complaint narrative:
I am submitting this complaint because Experian, Equifax, and TransUnion continue to report an alleged XXXX XXXX XXXX account ( Account ending XXXX XXXX XXXX XXXX XXXXXXXX, Balance {$23000.00} ) that does not belong to me, was never authorized by me, and is the result of a mixed file / identity error. I have no knowledge of this account, have never been notified by mail, and have never signed any agreement with this creditor. 

There are multiple critical inconsistencies across the XXXX nationwide consumer reporting agencies, including conflicting dates of opening, differing high credit amounts, mismatched last reported dates, incompatible dates of last activity and last payment, and contradictory payment status reporting. TransUnion shows no recent payment status, Experian reports consistent charge-off, and Equifax shows mostly OK with one 30day late. These discrepancies demonstrate that the account is factually incorrect, unverifiable, and a mixed file error in violation of FCRA requirements for accuracy and verification. 

Under FCRA 607 ( b ) and 611, consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy and conduct meaningful reinvestigations of disputed information. They must not reinstate or continue to report inaccurate or unverifiable information without proper verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
On XX/XX/year>, I was charged {$880.00} for a purchase purportedly made with XXXX. I never received an order confirmation for this purchase and later noticed that the shipping address associated with the charge was incorrect. 

On the same day the charge appeared, I contacted the merchant to attempt to update the address and confirm the order. XXXX informed me that they had no record of any recent purchase under my account and advised me to contact my bank to dispute the charge. 

I promptly contacted my bank and filed a dispute. Approximately one month later, the charge was reapplied to my account without prior notice or explanation. I contacted my bank again to dispute the charge and was told there was no error. 

On XX/XX/year>, I submitted additional supporting documentation to my credit card company. As of today, I have not received any response, resolution, or explanation regarding the status of my dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-12-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

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 2025-12-23 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-12-23 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: IL

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 2025-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: GA

Complaint narrative:
On XX/XX/XXXX, my belongings were stolen. Someone was able to access my bank account and made multiple unauthorized transfers totaling approximately {$260.00} funds were sent from my Chime account to an unknown individual within minutes. I did not authorize, recognize, or benefit from these transactions. I immediately reported this to Chime, but my dispute was denied without a proper fraud investigation. This activity indicates account takeover and unauthorized electronic fund transfers. I am requesting reimbursement under Regulation E. I am also experiencing financial hardship due to this loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: WI

Complaint narrative:
In XX/XX/2025 my auto and home insurance with XXXX XXXX was cancelled. I received a bill in XX/XX/2025. XXXX XXXX sent me notification that the debt was a system error and to disregard the letter the bill has been settled and properly calculated, my outstanding balance is XXXX on XX/XX/2025. Since then, XXXX XXXX has reported me to Credit Collection Services XXXX, MA for the amount of {$1200.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: AL

Complaint narrative:
Charged-Off / Collection / Public Record Accounts in Dispute I dispute the following accounts on my TransUnion credit report : Bankruptcy Case # XXXX Reported XX/XX/XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$1000.00} XXXX XXXX  XXXX XXXX Acct XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$640.00} XXXX XXXX XXXX Acct XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$630.00} XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$830.00} XXXX XXXX XXXXXXXX Acct XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$270.00} XXXX XXXX XXXX XXXXXXXX Bank Acct XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Acct XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Bank Acct XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} These accounts contain inconsistent balances, dates, or duplicate reporting. I request TransUnion verify each accounts accuracy and remove any item that can not be fully substantiated. 

Inquiries in Dispute I dispute the following inquiries and request verification of permissible purpose : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Bank XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Late Payments in Dispute I dispute the late payment reporting on : XXXX XXXX XXXX XXXX Bank Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: IL

Complaint narrative:
Creditor : XXXXXXXX XXXX  Experian : Account # XXXXXXXX XXXX XXXX XXXX XXXX  | Balance {$0.00} Equifax : Account # XXXX * * * * | Balance {$0.00} TransUnion : Account # XXXXXXXX XXXX XXXX XXXX XXXX | Balance {$0.00} Bureaus Reporting : Experian, Equifax, TransUnion Discrepancies Found : Account Type Detail : Equifax lists " - '' while others say " Auto Loan ''. 
Date Opened : Experian/Equifax : XX/XX/XXXX vs. TransUnion : XX/XX/XXXX. 
High Credit : Equifax : {$18000.00} vs. Experian/TransUnion : {$19000.00}. 
Last Reported : Experian : XX/XX/XXXX vs. Equifax : XX/XX/XXXX vs. TransUnion : XX/XX/XXXX. 
Date Last Active : Experian : XX/XX/XXXX vs. Equifax : XX/XX/XXXX vs. TransUnion : XX/XX/XXXX. 
Date of Last Payment : Experian/TransUnion : XX/XX/XXXX vs. Equifax : XX/XX/XXXX. 
Payment History Status Conflict : TransUnion shows no recent status, Experian shows consistent " CO '', Equifax shows a mix of " OK '' and lates ending in " 30 ''. 
Comments : Wording varies between bureaus ( " Purchased by a another lender '' vs. " Account transferred or sold '' ). 
Dispute Text : This is not mine, I have no knowledge of this account, and it belongs to someone with the same or similar name. I will include PRECEDENT. This is absurd and outrageous. This is factually incorrect. All this data is factually wrong, erroneous. This is not my debt. I was never even notified by mail. I was never told, nor did I ever sign anything here.

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 2025-12-23 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:
Charged-Off Accounts in Dispute I dispute the following charged-off accounts as reported by Equifax : XXXX CARD Acct # XXXX, Opened XX/XX/XXXX, Balance {$0.00} XXXX XXXX XXXXXXXX Acct XXXX XXXX XXXX Opened XX/XX/XXXX, Balance {$0.00} XXXX XXXX XXXXXXXX Acct XXXX XXXX XXXX Opened XX/XX/XXXX, Balance {$0.00} XXXX Acct # XXXX XXXX Opened XX/XX/XXXX, Balance {$0.00} XXXX XXXX  Acct # XXXX, XXXX XX/XX/XXXX, Balance {$0.00} I request that Equifax verify the accuracy, balances , and dates of these accounts. Any information that can not be fully substantiated should be corrected or removed. 

Inquiries in Dispute I dispute the following inquiries on my Equifax report : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please verify all inquiries and remove any that do not have documented permissible purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: PA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following accounts that are currently reflected on my credit report, which I believe to be inaccurate and incomplete. Below is the breakdown of the accounts under dispute : Charged Off Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$190.00} XXXX  XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX AND XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX  XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$930.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$650.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-12-23 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please ) .delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA

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 2025-12-23 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: SC

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please ) .delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA

Company response to consumer: Closed with explanation