vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 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:
I am formally requesting the prompt removal of the unauthorized accounts listed on my credit report, as I neither authorized nor was aware of their existence. In compliance with 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Enclosed are supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: NJ

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Balance : {$430000.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Balance : {$0.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX - Balance : {$0.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Balance : {$0.00} - Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
In XX/XX/year>, I mailed XXXXXXXX XXXX XXXX XXXX ) a tender of payment and settlement notice for my XXXX account. The letter included a duly endorsed negotiable instrument issued in full satisfaction of my balance, pursuant to the CareCredit cardholder agreement and Oregon Uniform Commercial Code ( ORS Chapter 73 ). 

On XX/XX/year>, XXXX sent me a written acknowledgment stating they were looking into my account and that it could take one to two billing cycles to respond. They never followed up after that letter. 

After I tendered full payment, the account was paid and settled in full as of XX/XX/year>. About a month ago, XXXX removed all late payments from my credit report, which confirmed that the account was resolved. 

However, as of XX/XX/year>, XXXX updated my credit report again, this time declaring the account closed, which is false and misleading because the account was not closed due to delinquency, it was paid in full and settled months earlier. 

This appears to be retaliatory or deceptive credit reporting. They failed to honor the payment tender, failed to provide any written final response, and are now misrepresenting my account status, harming my credit and violating the Fair Credit Reporting Act ( FCRA ) and consumer protection laws. 

I have documentation of the tender letter, XXXX written acknowledgment, and the credit report history showing these changes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
In XX/XX/year>, I mailed XXXXXXXX XXXX  ( XXXX ) a tender of payment and settlement notice for my XXXX account. The letter included a duly endorsed negotiable instrument issued in full satisfaction of my balance, pursuant to the CareCredit cardholder agreement and Oregon Uniform Commercial Code ( ORS Chapter 73 ). 

On XX/XX/year>, XXXX sent me a written acknowledgment stating they were looking into my account and that it could take one to two billing cycles to respond. They never followed up after that letter. 

After I tendered full payment, the account was paid and settled in full as of XX/XX/year>. About a month ago, XXXX removed all late payments from my credit report, which confirmed that the account was resolved. 

However, as of XX/XX/year>, XXXX updated my credit report again, this time declaring the account closed, which is false and misleading because the account was not closed due to delinquency, it was paid in full and settled months earlier. 

This appears to be retaliatory or deceptive credit reporting. They failed to honor the payment tender, failed to provide any written final response, and are now misrepresenting my account status, harming my credit and violating the Fair Credit Reporting Act ( FCRA ) and consumer protection laws. 

I have documentation of the tender letter, XXXX written acknowledgment, and the credit report history showing these changes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
On XXXX I contacted Chase Credit Card to pay {$2700.00} that is past due by a full year, they keep telling me its not my account, yet the credit bureaus show it as a debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: CT

Complaint narrative:
Chime Refused to Honor Documented {$400.00} Referral Bonus Offer Complaint Narrative : Chime advertised a {$400.00} referral bonus if I referred a friend who received a qualifying direct deposit of {$200.00}. I used the official referral link provided by Chime, and I personally helped the referred individual sign up using that link. The referred person did receive a qualifying deposit. 



I have clear proof of the following : The {$400.00} referral offer The referral link The referred persons qualifying deposit Screenshots showing the promotion that Chime now claims never existed This is the second time I have experienced Chime not properly tracking referrals. When I contacted Chime Member Services, representatives repeatedly claimed the bonus never existed despite my documentation. They refused to escalate the issue or honor the offer. And also HUNG UP on me stating that simply there was no offer and link wasnt used. This has already happened to me so I made sure I assisted with the link that was sent. Proof shown below Chime is withholding a bonus I clearly qualified for and documented. I am requesting the CFPBs assistance in getting Chime to honor the promotion and correct this issue as this has happened more than once!

The first picture is Amys qualifying direct deposit 2nd picture is the XXXX $ offer 3/4th picture is both links I sent which I helped with using those exact links

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: TX

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX XXXX : XX/XX/XXXX SSN Last XXXX : XXXX Date : XX/XX/XXXX RE : FORMAL DEMAND FOR 1099-C, VALIDATION, CHAIN OF TITLE, AND IMMEDIATE REMOVAL OF UNVERIFIED ACCOUNTS Creditor/Collector : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX LVNV with Resurgent Account Numbers : Multiple accts.- XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern : This letter serves as a FINAL and LEGALLY BINDING DEMAND regarding your continued reporting, collection, or distribution of information related to the above-referenced account. I assert that your reporting is currently inaccurate, incomplete, misleading, unverifiable, and in violation of multiple federal statutes. I hereby invoke my rights under the following laws : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.

Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 et seq.

CFPB Regulation F 12 C.F.R. 1006 Internal Revenue Code ( IRC ) 26 U.S.C. 6050P ( 1099-C filing requirement ) Uniform Commercial Code ( UCC ) 3-203, 3-301, 9-203 ( b ) YOU ARE HEREBY ORDERED TO PROVIDE THE FOLLOWING DOCUMENTS : 1. A valid IRS Form 1099-C showing that the creditor lawfully executed a charge-off or profit/loss event.

2. The ORIGINAL WET-INK SIGNED CONTRACT or legally compliant electronic signature agreement.

3. A FULL ITEMIZED ACCOUNTING including all charges, interest, payments, and adjustments.

4. FULL CHAIN OF TITLE showing each transfer of ownership ( Bill of Sale, assignment agreements, schedules of accounts sold ).

5. Proof that you are the CURRENT LEGAL OWNER AND HOLDER of the alleged debt under UCC law.

LEGAL WARNING : If the creditor reported a charge-off AND claimed a tax loss without issuing a 1099-C, this constitutes FRAUD and violates federal tax law AND the FCRAs maximum possible accuracy requirement ( 15 U.S.C. 1681e ( b ) ).

If ANY of the documentation above can not be produced within 10 DAYS, you must immediately : DELETE these accounts from ALL consumer reporting agencies ; CEASE all collection activity ; CEASE data furnishing under 15 U.S.C. 1681s-2 ( a ) ; PROVIDE WRITTEN CONFIRMATION of closure of the account.

NOTICE OF FUTURE ACTION : If you fail to comply, I will file the following without further notice : A CFPB complaint for FCRA, FDCPA, and Reg F violations ; A complaint with the Illinois Attorney General ; A Federal Trade Commission ( FTC ) complaint ; Civil litigation seeking statutory damages of {$1000.00} per violation, punitive damages, attorney fees, and court costs. 

This is your final opportunity to cure these violations before escalation. 


Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I disputed an alleged XXXXXXXX XXXXk account with Portfolio Recovery Associates XXXX XXXX ) on XX/XX/XXXX. Under the FDCPA and Regulation F ( 12 C.F.R. Part 1006 ), PRA had 30 days to validate the account. PRA never provided any validation, documentation, itemization, or substantiation.

Instead of complying with federal law, PRA ignored the dispute entirely, continued collection activity, and refused to answer the specific violations listed in my prior CFPB complaint. PRAs response was evasive and avoided addressing their regulatory obligations.

PRA is currently under the CFPBs XXXX and XXXX Consent Orders, which classify them as a repeat offender and impose strict restrictions on their ability to collect, transfer, or place unverified accounts. Despite these mandatory federal restrictions, PRA unlawfully transferred this disputed and unvalidated debt to a third-party law firm ( XXXX XXXX XXXX XXXX XXXX This transfer was prohibited under their consent orders because PRA had not validated the account and had not substantiated the debt as required by federal law.

By transferring the debt without validation, PRA violated : FDCPA 1692g ( b ) Regulation F 1006.30 ( a ), 1006.34, 1006.38 The XXXX CFPB Consent Order ( Debt Substantiation Requirements ) The XXXX Repeat-Offender Order ( Prohibited Transfers & Documentation Requirements ) This constitutes a direct breach of their probationary requirements imposed by the CFPB. PRA is not permitted to place or transfer accounts without documentation, yet they knowingly transferred an unsubstantiated and disputed debt.

These are new violations, distinct from the issues raised in my prior CFPB complaint. PRA has now : Failed to validate the debt since XX/XX/XXXX. 

Ignored federal law by continuing collection activity. 

Ignored and avoided answering my prior CFPB complaint. 

Violated both CFPB Consent Orders by transferring a prohibited account. 

Provided false information by implying the debt was valid despite lacking any documentation. 

PRAs behavior demonstrates ongoing noncompliance, disregard for federal law, and repeated violations of the CFPBs enforcement orders. These are fresh violations, not duplicates, and require immediate CFPB investigation and action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Upon reviewing my TransUnion consumer disclosure, I identified certain inquiries that were not authorized by me and do not meet the permissible purpose standards under FCRA 604 ( a ). 
The disputed inquiries are : 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 XXXXXX/XX/XXXX according to the FCRA 15 U.S.C 1681 s-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. These inquiries were not made by me and are indeed inaccurate and fraudulent. I am writing this pursuant of the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. If you do not have any documentation in your files to verify the accuracy of the disputed inquiries, then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing it to 3rd parties you are damaging my reputation and creditworthiness. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the inquiries that you are reporting in my credit report. Please dont respond to my request by saying that these inquiries have been verified

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am a victim of identity theft. In XXXX, a car dealership fraudulently used my personal information to open accounts. I filed an FTC Identity Theft Report and a police report, which officially documents this crime. 

Despite this, a fraudulent account originally opened with XXXX XXXX XXXX XXXX, now held by XXXX XXXX XXXX XXXX, continues to be incorrectly reported on my credit file. The total fraudulent amount reported is over {$50000.00}. 

I have taken the following actions to resolve this : On multiple occasions since XXXX, I have submitted my FTC Identity Theft Report to the three nationwide credit bureaus ( Equifax, Experian, and TransUnion ) demanding they block the fraudulent information as required by federal law ( FCRA 605B ). 

I have also submitted the same evidence to XXXX XXXX XXXX XXXX, proving the account is fraudulent. 

In response, the credit bureaus have repeatedly failed to block the information, instead stating they " verified '' the account with the furnisher. 

Most recently, in XX/XX/XXXX, XXXX XXXX XXXX XXXX responded to my dispute and evidence with a form letter, stating they " determined that the information provided is accurate, '' while completely ignoring the official FTC Identity Theft Report I provided. 

The companies involved have taken no meaningful action to correct their error. The furnisher ( XXXX XXXX ) ignores conclusive proof of fraud, and the credit bureaus rely on this faulty verification, creating a loop that keeps proven-fraudulent accounts on my credit report. This is a willful failure to comply with 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 non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: NC

Complaint narrative:
XX/XX/year> at XXXX XXXX XXXX from IQ International call about an rental debt. Another representative has also called from this agency. The tone is always disrespectful, rude, and aggressive. They never give me their full name or access to my bill but request all my personal information and continually make condescending remarks/comments.

Company response to consumer: Closed with explanation