vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
What Happened XXXXXXXX XXXX has been furnishing and re-furnishing false and conflicting data about a fraudulent account, harming my credit profile. Initially, XXXX XXXXXXXX only reported to XXXX  which later deleted the account after I proved it was the result of identity theft. Recently, XXXX XXXX has begun reporting the same fraudulent account to Equifax, even though it never did before and both credit bureaus now display different, conflicting information from the same furnisher. 

XXXX lists the account as opened XX/XX/XXXX and charged off XX/XX/XXXX, showing multiple late codes ( XXXX XXXX XXXX XXXX ), while Equifax lists it as opened XX/XX/XXXX, charged off XX/XX/XXXX, and shows No Data Available in payment history. These contradictions prove that the same creditor is fabricating or altering data. 

I am a victim of identity theft, and this account was opened fraudulently without my authorization. 

Documented Inconsistencies and Invalid Verification Evidence After reviewing the materials XXXXXXXX XXXX sent as their alleged signed application, I confirmed that the documentation fails every verification and authenticity standard required under FDCPA 809 ( b ), FCRA 623 ( a ) ( 3 ), and the E-SIGN Act ( 15 U.S.C. 7001 ).

The data provided can not legally establish ownership, authorization, or liability by me. 

Observed Failures in XXXXXXXX XXXX Verification Packet : Wrong telephone number : Not mine and never associated with me. 
IP address mismatch : Linked to a number unrelated to any of my devices, locations, or accounts. 
No original or wet signature : Only a digital trace tied to an unrelated IP not valid consent. 
No linked payment source : No bank, card, or funding account tied to payments. 
No verifiable payment history : No billing cycles, ledgers, or confirmations. 
Two alleged mobile payments from a phone number Ive never owned. 
Blank income, employment, and residential data. 
Application inconsistencies : Key dates and identifiers conflict with both bureaus.

No audit trail or E-SIGN consent proof : No record of disclosure delivery or acceptance. 

Conclusion : Because XXXX and Equifax display different opened dates, payment histories, and charge-off sequences while relying on the same flawed packet, this is direct evidence that XXXXXXXX XXXX data is fabricated and the account is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting a formal identity theft blocking request under the Fair Credit Reporting Act ( FCRA ) Section 605B. I reviewed my credit file and discovered several hard inquiries that I did not initiate, authorize, or consent to. These inquiries include : TRANSUNION : XXXX XXXX XX/XX/year> TransUnion ; XXXX XXXX XXXXXXXX XX/XX/year> TransUnion ; XXXX XXXX XXXXXXXX XX/XX/year> TransUnion ; XXXX XXXX XXXXXX/XX/year> TransUnion ; XXXX XX/XX/year> TransUnion ; XXXX XX/XX/year> TransUnion ; XXXX XXXX XX/XX/year> TransUnion ; XXXX XX/XX/year> TransUnion ; EQUIFAX : XXXX XX/XX/year> Equifax ; XXXX XX/XX/year> Equifax ; XXXX XX/XX/year> Equifax ; XXXX XX/XX/year> Equifax ; XXXX XX/XX/year> Equifax ; XXXX XX/XX/year> Equifax ; XXXX XX/XX/year> Equifax ; I never applied for credit with these companies. My personal information was used without my permission. 

These inquiries were made as a result of identity theft, and I am requesting that you immediately block and remove them from my TransUnion and Equifax credit report as required by FCRA 605B. Must be handled by the Fraud Department. 

I am attaching : XXXX. A copy of my ID XXXX. Proof of current address XXXX. A pending police report confirming the identity theft XXXX. A copy of my SSN Additionally, I am notifying you of my rights under FCRA 623 ( a ) ( 5 ), which prohibits a furnisher from re-reporting information that has been blocked due to identity theft unless they have certified the accuracy and completed a reinvestigation. Any future reappearance of these inquiries without a full legal basis will be considered a willful violation of federal law. 

Please respond with written confirmation that these inquiries have been removed permanently and that my case has been referred to your fraud department as required.

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 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
A Consumer agency pulled my credit report i found a collection on my credit report I requested to moved from my personal credit report XXXX XXXX XXXX XXXX {$750.00} Account XXXX XX/XX/XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
A Consumer agency pulled my credit report i found a collection on my credit report I requested to moved from my personal credit report XXXX XXXX XXXX XXXX {$750.00} Account XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
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 explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

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 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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

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 non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I affirm that the false late payment remarks on my accounts are a breach of 15 USC 1666. My payments have consistently been made on time, and any conflicting entries are both unfair and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
Pay pal found the transaction in my favor and said they would return the funds of {$750.00} and lied and never did

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
This issue involves both JPMorgan Chase Bank , N.A . ( issuer of the XXXX XXXX XXXX ) and XXXX XXXX XXXX ( operator of the Shop with Points program ). 
The problem stems from the joint XXXXChase integration for Shop with Points, where each company deflects responsibility for enrollment and unenrollment, leaving customers trapped in a program with no working opt-out mechanism. 

I am unable to unenroll from XXXX XXXX with Points program linked to my Chase XXXX XXXX XXXX card. XXXX website and help pages claim customers can click Unenroll under Shop with Points, but no such option exists ( see screenshot ). 
Multiple XXXX representatives have alternately claimed that ( a ) XXXX can manually unenroll customers, or ( b ) Chase must do so. Chase representatives, in turn, claim customers must unenroll through XXXX website. 
After repeated escalations, XXXX Executive Customer Relations ( emails from XXXX and XXXX ) refused further action, stating : This is the best answer we can offer. 
The last person I spoke to was a Manager from Chase who insisted that I must unenroll via Chase websites non-existent unenroll button. After repeatedly telling her that I have no way of unenrolling through chase, she told me there is nothing Chase can do for me and refused to provide any written documentation. 
Once I mentioned escalating legal action, the Chase manager created a case number and told me a letter would be sent. 
Chase opened escalation case # XXXX and mailed a formal letter ( attached ) instructing me to visit XXXX and click Unenrollthe very option that does not exist and is opposite of the instructions chase provided over the phone ( once again deflecting to XXXX ) XXXX 
Both companies are providing contradictory and misleading information, leaving customers permanently enrolled in a program they did not consent to and can not leave. 
Requested action : 1. Require XXXX and Chase to provide a functional, accessible method to unenroll from Shop with Points.

2. Require both companies to correct misleading documentation that claims such an option exists.

This constitutes a deceptive and unfair business practice in violation of the CARD Act and CFPB rules regarding reward redemption and consumer choice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am officially requesting the removal of this incorrect account from my credit report, as I did not authorize its creation or use. Supporting documents are included to validate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/2025, I stopped to pump gas at a shell gas station located at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. We pumped {$27.00} in gas on this Sunday evening on the way to NC. I discovered two days later when the charge posted that immediately after the gas transaction, there was an unauthorized charge of {$2.00} and immediately after that there was an additional charge by the same company called XXXX ( which I had never heard of ) in the amount of {$1100.00}. Immediately after that there was a third unauthorized charge from a company called XXXX for {$1000.00}. All three of these transactions were indicated as recurring and using my card information. The funds were indicated as paid out to these companies with different names ending in " XXXX '' and offering transportation services. Why would someone get gas and then purchase this large amount of transportation services with no prior history of such transactions. I have had this account for 10 years + and have never made any similar purchases. I called in on XXXX when I saw the transactions post and filed a claim. Wells Fargo issued a temporary credit and said that they would investigate. I heard nothing back until XX/XX/2025 when they reversed the credit on my account and deducted {$2100.00}. I called in and spoke with a claims rep who told me that because the transaction came from a digital device, that they closed the investigation without further research. I have escalated my claim to the executive office and have received no assistance with re-issuance of a temporary credit or further investigation of what wreaks of fraudulent unauthorized charges. Instead, XXXX, a member of the Wells Fargo executive office advised me to file a police report and contact the merchants. This is unacceptable as I expect my banking institution to make the protection of my monies a high priority especially on an account that is over a decade old. I have a XXXX credit score and several accounts with them, certainly these factors should warrant the full efforts of an investigation of unauthorized fraudulent charges.

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 monetary relief
Consumer complaint received 2025-10-20 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: TX

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 2025-10-20 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:
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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: LA

Complaint narrative:
My old phone was stolen. Whoever took it was able to move my money out of my account into someone else 's account. I was on the phone with chime ( the account in question ) when I realized they took all my money. I have disputed this transaction 3 times with chime. I sent in the police report, screen shots of emails where my number was changed on my account. I even sent in a screenshot of where I was when this was happening. They have denied my claim everytime stating no wrong doing was done. My complaint is about chime. They let this happen and they will not fix it.

Company response to consumer: Closed with explanation