vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
I previously filed CFPB Complaint # XXXX regarding an inaccurate collection account involving XXXX XXXX XXXX. The company responded that they would reach out to the original creditor, but failed to provide any written validation or documentation verifying the alleged debt. 

This violates my rights under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ) and the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ), which require a reasonable reinvestigation and written validation of the debt upon request.

Forwarding or referring the matter to the creditor without supplying validation is not compliance. This account continues to report without proof, which constitutes a violation of 15 U.S.C. 1681s-2 ( a ).

The companys prior response was inadequate and did not resolve the inaccuracy. I am requesting that this matter be escalated for enforcement and that this unverifiable account be deleted from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: CA

Complaint narrative:
I am the victim of identity theft. My TransUnion credit report contains fraudulent accounts and unauthorized hard inquiries that I did not open, authorize, or consent to in any way. These fraudulent items are negatively affecting my credit profile and have resulted in unwanted collection activity. 
Fraudulent Account XXXX XXXX  XXXX XXXX Opened XX/XX/XXXX Account No. XXXXXXXX XXXX XXXX XXXX XXXX Unauthorized Hard Inquiries ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX XXXXl XX/XX/XXXX XXXX  XX/XX/XXXX I did not apply for credit with any of these companies. These entries are fraudulent and must be removed immediately. 
I am formally demanding : Immediate removal and permanent blocking of all fraudulent accounts and inquiries from my credit file.

Cessation of all collection activity related to these accounts.

Full compliance with my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that TransUnion block all fraudulent accounts, collections, hard inquiries, and charge-offs identified in this CFPB complaint within 4 business days of receiving my identity theft documentation. Under this law, no further validation from creditors is required once proper documentation is provided.

Additionally, under FCRA 611 ( 15 U.S.C. 1681i ), I am requesting a full reinvestigation of all fraudulent items and disclosure of the sources of any information relied upon for verification, including any communications with furnishers.

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 2025-10-28 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: 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 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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 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 2025-10-28 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: WA

Complaint narrative:
I discovered that several unauthorized credit accounts were reported under my name without my knowledge or written consent. These accounts include : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I did not open, authorize, or give written consent for any of these accounts to be established or reported. After discovering these accounts on my credit reports, I sent written dispute letters to all three credit bureaus TransUnion, Experian, and Equifax pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

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 2025-10-28 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: WA

Complaint narrative:
I discovered that several unauthorized credit accounts were reported under my name without my knowledge or written consent. These accounts include : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I did not open, authorize, or give written consent for any of these accounts to be established or reported. After discovering these accounts on my credit reports, I sent written dispute letters to all three credit bureaus TransUnion, Experian, and Equifax pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: OK

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-10-28 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: GA

Complaint narrative:
Subject : Formal Dispute of Inaccurate Credit Report Information Dear Experian, I am writing to dispute multiple inaccuracies appearing on my Experian credit report formally. These errors violate the Fair Credit Reporting Act ( FCRA ), specifically Sections 605 ( b ), 1681 ( b ), and 1666 ( b ). I request an immediate investigation and correction.

The disputed information includes incorrect address details, closed accounts reported as active, inaccurate late payment notations, accounts that do not belong to me, unauthorized inquiries, and telephone numbers not associated with me.

Disputed Information 1. Incorrect Address : My credit report currently lists the addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , which are not my residences.

2. Accounts That Do Not Belong to Me : The following account appears in my report, but I have no record of ever opening it : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account should be deleted immediately if the furnisher can not verify its validity. 

Identity Theft Concern I believe these inaccuracies are the result of identity theft and have caused significant harm to my credit standing. Accordingly, I am requesting that XXXX  : Remove or block any information identified as resulting from identity theft in compliance with FCRA 605 ( b ).

Notify all furnishers of the blocked information as required by the statute.

Legal Basis for Request This letter constitutes a formal dispute under 15 U.S.C. 1681i of the Fair Credit Reporting Act. I request that each disputed item be re-verified or deleted from my file within 30 days of receipt. Failure to re-verify within this timeframe constitutes grounds for deletion under the FCRA.

Additionally : 15 U.S.C. 1681i ( d ) requires Experian to notify me when items have been deleted.

15 U.S.C. 1681j requires that no fees be charged for this notification or for a corrected credit report.

15 U.S.C. 1666b prohibits creditors from reporting payments as late unless reasonable procedures ensure statements are mailed or delivered at least 21 days before the due date.

Please also provide me with the names and contact information of any parties you contacted during your investigation so I may follow up directly if necessary.

Thank you for your prompt attention to this matter. I expect a written response within the 30-day investigation period as required by federal 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 explanation
Consumer complaint received 2025-10-28 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: NJ

Complaint narrative:
formal dispute under the Fair Credit Reporting Act ( FCRA ), Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ). I am requesting full verification of the accounts listed below, including physical documentation, such as original signed contracts or payment histories, used to verify the accuracy of the reporting. 


Collection Accounts in Dispute : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Does not belong to me and appears to be reported in error. Please provide full validation ( original creditors signed agreement, payment history, and proof of collection rights ). 

XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported balance is incorrect and unverifiable. Please remove from my credit report. 

XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inaccurate account details and unverifiable debt validation. Therefore, this account should not be reported in my credit report. 

XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported information is inaccurate and unverifiable. Please delete if proper documentation can not be produced.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: WV

Complaint narrative:
I am filing this complaint because [ XXXX  / Equifax XXXX XXXX  ] has violated the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my written disputes, the bureau failed to conduct a reasonable reinvestigation within 30 days, continued reporting inaccurate accounts, and failed to provide written results. These actions violate 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ), 1681i ( a ) ( 6 ), and 1681e ( b ). Courts have consistently ruled that such conduct is unlawfulXXXX XXXX  XXXX, XXXX ( XXXX XXXX. XXXX ) confirmed all objectively verifiable inaccuracies must be corrected ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) held no entity is immune from FCRA liability ; and XXXX XXXX XXXX XXXXXXXX ( XXXX. XXXX XXXX ) resulted in a {$23.00} XXXX settlement for failing to investigate disputes and allowing inaccuracies to remain. 

Accounts to Be Deleted : CHARGE OFF - XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  - EQ : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX. 
XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-10-28 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: NC

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 2025-10-28 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Army and Air Force Exchange Service
State: AK

Complaint narrative:
I have been tricked into getting a XXXXXXXX XXXX XXXX  I was told it was a reward 's card and only a reward 's card the lady at the register never said anything about it being a credit card. So now I'm being charged {$1000.00} as of XX/XX/year>. 
I have been trying to call for information on how to pay it but every time I call they hang up. I have been trying to figure out how to pay for almost a year. And I did pay once when the total was {$600.00} but when I paid {$300.00} the payment was declined and they raised the total price from {$600.00} to {$900.00}. I have tried and tried to call but no answer every time. I would go to the store directly but I no longer have access to XXXX XXXX. I have also been threatened that if I don't pay legal actions may occur.

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 2025-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
They are calling 3-4 times each day for the last two months.

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 2025-10-28 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:
I am writing to formally express my concern and frustration regarding inaccurate information being reported on my credit file. 

I have recently paid off XXXX of my credit accounts my XXXXXXXX XXXX XXXX and my XXXX XXXX Account both of which currently reflect a XXXX balance with the creditors. Despite these payments being completed, Experian continues to report balances that are not accurate, which is negatively impacting my credit score. 

I previously filed disputes for both accounts ; however, they were returned with no changes made. Upon calling Experian to re-dispute and to understand the verification method used to confirm the information with my creditors, the representative was unable to provide an explanation and ultimately disconnected the call without resolution or follow-up. This experience is unacceptable and raises serious concerns about the handling of my disputes. 

Additionally, I disputed a late payment reported by XXXX in XX/XX/year>, which is also incorrect, as my payment was made on time. Despite providing supporting documentation, this inaccurate late payment remains on my report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to expect accurate reporting and a fair reinvestigation process. The continued reporting of incorrect information constitutes a violation of my rights under this Act. 

Please review and update my credit file immediately to reflect the correct XXXX balances and remove the inaccurate late payment. I have attached supporting documentation confirming payment dates and account balances. 

I request written confirmation once these corrections have been made. 

Thank you for your prompt attention to this matter

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 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am writing to bring to your attention a matter of significant concern regarding the violation of my rights under the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802, and the resulting financial injuries I have suffered as a direct consequence of your institutions actions. This notice is submitted by affidavit and serves as a formal statement of claim.

I hereby assert the following violations, damages, and demands for resolution : Violation of Gramm-Leach-Bliley Act Rights As a consumer, I reserve the right under 15 U.S.C. 6802 of the GLBA to opt out of the sharing of my nonpublic financial information with non-affiliated third parties, including consumer reporting agencies. Your institution failed to provide me with the required privacy disclosure informing me of this right or instructions on how to exercise it. This omission constitutes a direct violation of the GLBA and its implementing regulations. Financial Injury Due to Noncompliance Due to your institutions failure to comply with federal disclosure requirements, my personal financial information was unlawfully furnished to one or more consumer reporting agencies without my informed consent, resulting in : A violation of my right to privacy, Loss of credit opportunities, Damage to my credit and creditworthiness, Wage loss and related financial harm, Emotional distress and reputational injury

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: NV

Complaint narrative:
I am writing to formally express my concerns regarding Chimes handling disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Chime numerous times and reporting discrepancies, my financial institution and Chime failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate Chime has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One Bank has put my account on restricted status and can not explain why. I was told to open another ctedit account. Which I did but did not receive the same interest rates. It was at 4 % APR and now its 29.99 % APR.

Company response to consumer: Closed with explanation