vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-02 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: MO

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ACCOUNTS : XXXX XXXX XXXXXXXX XXXX XXXXXXXX - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2300.00} XXXX XXXX XXXX XXXX XXXX - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3900.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$230.00}

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 2025-07-02 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have a secondary XXXX insurance that was provided that was supposed to be billed which was never billed this account should not be reported to my credit i dispute these charges from XXXX XXXX acct # XXXX for {$1000.00}

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 2025-07-02 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:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA XXXX U.S.C. XXXX ( b ), XXXX, and FDCPA XXXX and XXXX. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: January Technologies, Inc
State: MD

Complaint narrative:
January Technologies , Inc. 
XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  NY XXXX Re : Request for Debt Validation and Supporting Documentation Account Number : XXXX To Whom It May Concern, I am writing in regard to the above-referenced account, which you allege I owe. I dispute the validity of this debt and am requesting full validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Additionally, I have noticed that there appears to be inaccurate or incomplete information associated with this account, and I am requesting a thorough review and correction of any such errors.

To validate this account and your legal right to collect on it, please provide the following documentation : Chain of Custody A complete record of all transfers or sales of this account, including names of all previous owners and the dates of each transfer. 

Original Contract A copy of the original signed agreement that created the alleged debt.

Forward Flow Agreement Documentation outlining the terms of the agreement between the original creditor and your agency or any intermediary debt buyers.

Account-Level Documentation Complete statements, payment history, charge-off records, and any other relevant data used to calculate the balance and establish ownership. 

In accordance with federal law, please cease all collection activities and refrain from reporting or continuing to report this account to any credit reporting agencies until you have provided complete and accurate validation. If you are unable to provide the documentation listed above, I respectfully request that you close the account and remove any references to it from my credit file. 

Thank you for your attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: GA

Complaint narrative:
In XX/XX/year>, I filed a dispute with Chime regarding an unauthorized or incorrect charge on my account. I submitted the required documents multiple times, but my dispute was denied with no proper explanation.

I then requested copies of the investigation results and supporting documents as is my right under Regulation E three times, and was falsely told they were sent to my email. No such documents were received. My contact info is up-to-date.

Chime has failed to meet its obligations under 12 CFR 1005.11, which requires them to investigate disputes promptly, provide written results of their investigation, and supply copies of documents used to deny the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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:
After reviewing my recent credit report, I was shocked to discover several accounts that I did not open or authorize. These unauthorized accounts are clear evidence of identity theft and are causing serious complications, particularly as I am in the process of purchasing a new vehicle for my family. I urgently request that these fraudulent accounts be removed from my credit report immediately to prevent further damage.

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 2025-07-02 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: CA

Complaint narrative:
After reviewing my recent credit report, I was shocked to discover several accounts that I did not open or authorize. These unauthorized accounts are clear evidence of identity theft and are causing serious complications, particularly as I am in the process of purchasing a new vehicle for my family. I urgently request that these fraudulent accounts be removed from my credit report immediately to prevent further damage.

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 2025-07-02 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: NY

Complaint narrative:
I am writing to demand the immediate removal of a credit inquiry on my report that is fraudulent and was never authorized by me. This inquiry was done without my knowledge or consent, and its presence on my credit file is not only incorrect but damaging to my creditworthiness. 

Let me be crystal clear : I did not initiate or approve this inquiry in any form. It is a clear case of unauthorized access or identity misuse. Because this inquiry is fraudulent, I require that it be deleted from my credit report immediatelynot marked as disputed or reviewed, but completely removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: GA

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow.  XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : 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 2025-07-02 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: FL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-07-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Lanier Law Firm, LLC
State: NC

Complaint narrative:
I want to file a lawsuit for a refund on my Business account. The account was under investigation for false claim of a administration citation from a class action arbitration agreement. The settlement had a restriction access in the log in with XXXX XXXX and my account was forbidden access with the class member ID. I have a document settlement retainer agreement from a pawned website of my recovery account. My Arbitration agreement and credit policy activation was cancelled from the bar association with the ID theft if my phone and account hack. I was not able to recover access granted by the membership policy insurance claim. I wanted to set up a ID restoration with my account hack and file a extortion and larceny theft of my business account fraudulent error log in with Internet to sell and distribute access if my forfeiture and bank account access with my termination employee agreement. I am XXXX Corporate XXXX and have escalated my claim department to XXXX XXXX  for Class member ID to submit my appeal process with the XXXX XXXX administration case with XXXX XXXX XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-02 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: AZ

Complaint narrative:
This letter serves as my second formal dispute regarding fraudulent accounts that remain on my credit report despite my initial request for investigation and removal. I have already submitted an FTC Identity Theft Report, and enclosed again is a copy for your reference, along with my government-issued ID and proof of address. 
The following accounts are the result of identity theft and do not belong to me : XXXX. XXXX BANK # XXXX XXXX. XXXX  XXXX BANK # XXXX XXXX. XXXX  XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX # XXXX XXXX. XX/XX/XXXXXXXX # XXXX These accounts were fraudulently opened or used without my authorization and continue to negatively impact my credit report and financial standing. Under the Fair Credit Reporting Act ( XXXX  ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Westlake Services, LLC
State: TX

Complaint narrative:
Westlake financial repo my car today when I was going to see a XXXX XXXX and was going to see my Dad who has XXXX when I first purchased the car at XXXX XXXX  the car was {$11000.00} because I remember that I put {$1500.00} down west lake financial interest is 21 % when that car isn't worth and I pay {$2400.00} to XXXX to fixed things on the car that's why couldn't pay things but I be trying to call them and let them know whats going on their number is all out XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
Midland Credit Management , Inc. 
XXXX XXXX XXXX XXXX, MI XXXX Re : Request for Debt Validation and Supporting Documentation Account Number : XXXX To Whom It May Concern, I am writing in regard to the above-referenced account, which you allege I owe. I dispute the validity of this debt and am requesting full validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Additionally, I have noticed that there appears to be inaccurate or incomplete information associated with this account, and I am requesting a thorough review and correction of any such errors.

To validate this account and your legal right to collect on it, please provide the following documentation : XXXX XXXX XXXX XXXX  complete record of all transfers or sales of this account, including names of all previous owners and the dates of each transfer.

Original Contract A copy of the original signed agreement that created the alleged debt.

Forward Flow Agreement Documentation outlining the terms of the agreement between the original creditor and your agency or any intermediary debt buyers.

Account-Level Documentation Complete statements, payment history, charge-off records, and any other relevant data used to calculate the balance and establish ownership.

In accordance with federal law, please cease all collection activities and refrain from reporting or continuing to report this account to any credit reporting agencies until you have provided complete and accurate validation. If you are unable to provide the documentation listed above, I respectfully request that you close the account and remove any references to it from my credit file. 

Thank you for your attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Synovus Bank
State: MT

Complaint narrative:
I made a secured deposit with first progress XXXX, of XXXXXXXX XXXX on XX/XX/XXXX. I paid extra to speed up the process. I received my card on the XXXX and couldnt activate it because they claimed I didnt do all the paperwork. The XXXX lady had no information to help me in any way and kept putting me on hold. At least XXXX times. Was told there is no supervisors and was passed to a co worker that spoke better XXXX. After a long back and forth I decided this was an unsafe company and predatory in nature. I went through the cancelling and withdrawal process and was told Id receive my XXXXXXXX XXXX within 7 days. I am now being hung up on. I havent been rude or abusive in any form. I saved for 6 months to deposit that money, to help rebuild my credit. To be treated like this literally makes me sick.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-02 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 have contacted Experian and Equifax many many times through their fraud department, they reinserted fraudulent accounts when I have uploaded them and mailed out all supporting documents and refuse to remove them. They have been conducting sham investigations over and over again and not removing other accounts that I have reported as fraudulent. It has been an ongoing problem for 3 months now and I'm so tired of it. I can not apply for a mortgage due to these negative fraudulent accounts and Experian and Equifax refuse to help me and remove and block the items. they are violating my rights!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: AZ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$800.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CCF Intermediate Holdings LLC
State: AZ

Complaint narrative:
In XX/XX/XXXX, I got a {$2400.00} loan from TitleMax at 179.56 % APR. I paid consistently until XX/XX/XXXX, when the loan was marked paid. On that date, TitleMax offered me credit and a lower rate but instead made me sign a new contract for {$4900.00} at 155.76 % APR. I did not understand I was refinancing into a new loan. 

I have paid TitleMax a total of {$10000.00}, which is over {$3300.00} more than both loans combined. I sent certified dispute letters in XX/XX/XXXX, but TitleMax only called to collect and threatened repossession. A rep falsely claimed theres no legal address or phone, only email. 

I want my title released, my account closed with a {$0.00} balance, and no further collection or repossession actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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 writing to formally dispute a reported late payment on my credit report. After thoroughly reviewing my records, I can confirm that the payment in question was made prior to the due date and processed by my financial institution in a timely manner. I have retained statements and transaction logs that support this, and I am happy to provide them for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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:
I hope this message finds you well. I am writing to dispute a late payment that has been reported on my credit file, which I believe to be inaccurate. I have always made it a point to fulfill my payment obligations on or before the due date, and my records indicate that this particular payment was no exception.

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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: IA

Complaint narrative:
I recently checked my report and noticed inaccurate accounts on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: IA

Complaint narrative:
I recently checked my report and noticed inaccurate accounts on my report

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