vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-11 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports. 15 U.S.C. 1681s-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. 

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 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 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 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 has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681s-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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK
State: IL

Complaint narrative:
I am a victim of identity theft. My personal information was stolen or compromised by an unknown individual. As a result, a fraudulent account was opened in my name that I have never authorized or approved in any way. 

The fraudulent account is : Creditor : DISCOVERBANK Account # : XXXX Account Type : Credit Card ( Revolving ) Date Opened : XX/XX/year> Balance : {$0.00} Payment Status : Current I have never : Applied for this account Logged into it Signed any agreements or documents for it Made any payments toward it I previously disputed this account with all three major credit bureaus ( XXXX, XXXX XXXX and XXXX XXXX, and initially, the account was removed from my credit reports. However, it has now reappeared on my reports without my consent. 

To support my claim, I have completed and submitted a new identity theft report via the FTC. 

FTC Report Number : XXXX I also prepared, signed, and notarized an affidavit stating that I did not open or authorize this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: GA

Complaint narrative:
Upon reviewing my payment records, I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: Fidelity National Information Services, Inc. (FNIS)
State: WI

Complaint narrative:
i talk to chex system and still have me on their system

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 2025-04-11 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capstone Credit & Collection, LLC.
State: FL

Complaint narrative:
Before collections, when the moveout invoice was sent to us, we requested invoices to prove the charges on there and dispute them. However, the landlord never responded and it was during the time where there were multiple hurricanes in the XXXX. XXXX XXXX where we are located. So, eventually, I get the mail about the collections. However, with security deposit laws, if we request receipts for security deposit deductions and the landlord does not respond, then they are not entitled to security deposit deductions. I request proof of debt. They just send us the same invoice the landlord sent us without proof or receipts of deductions, our lease, and our IDs. I replied to them and said this is false/invalid/insufficient. Today, I see they went ahead and reported it to the credit bureaus even though they never responded to my correspondence that this was false debt. The timeline is from XXXX of XXXX  to now. I have to gather everything. The debt is about {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-11 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-11 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: IN

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-04-11 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: NY

Complaint narrative:
I am writing to formally dispute a hard inquiry listed on my Experian credit report that I do not recognize and did not authorize. I have contacted Experian regarding this inquiry and requested its deletion or a further investigation ; however, they informed me that I need to resolve this matter directly with the lender. The challenge is that I have no record of any association with the lender in question, and I can not verify the legitimacy of this inquiry.

Details of the Dispute : Inquiry Identification : The hard inquiry appears on my Experian report with no information or connection to a known lender.

Unauthorized Activity : I did not provide consent for this inquiry, and I have no ties or dealings with the entity listed. 
Attempts to Resolve : Upon calling Experian, I requested an investigation and deletion of the inquiry. I was informed that I must contact the lender for further resolution ; however, I am unable to identify or verify the lender involved.

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 2025-04-11 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:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX ( XXXX ) XXXX SSN : XXXX Date : XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX TransUnion XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Legal Demand Identity Theft, Unauthorized Inquiries, and Inaccurate Account Disputes Final Submission of Required Documentation To Whom It May Concern, This letter serves as final notice that I previously submitted formal disputes regarding multiple entries on my credit file, including : Accounts obtained through identity theft, Unauthorized inquiries, and Inaccurate or unverifiable negative tradelines.

In response to your request for verification, I am now providing the required documentation to support and validate those disputes. Your legal obligations under the Fair Credit Reporting Act ( FCRA ) are now fully triggered and binding. 

Included with this letter : FTC Identity Theft Report, Government-issued identification, and Proof of current residence.

Under 15 U.S.C. 1681c-2, you are legally required to block all information resulting from identity theft within four ( 4 ) business days of receiving a valid identity theft report, proof of identity, and written request. This mandate is non-negotiable.

Furthermore, per 15 U.S.C. 1681i, you must conduct a reasonable reinvestigation of all disputed information and remove any data that is inaccurate, incomplete, or can not be verified. If validation can not be provided, deletion is required by law not optional. 

You are now in full possession of all materials necessary to act. No further delay, stalling, or obstruction will be tolerated. If this matter is not fully resolved within the statutory timeframes, I will pursue all available legal remedies, including formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the State Attorney General, and the initiation of civil litigation for statutory and punitive damages. 

This communication is being retained for legal recordkeeping. 

Govern yourselves accordingly. 

Sincerely, 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 2025-04-11 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: OH

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/year>, Used XXXX XXXXXXXX XXXX XXXX ATM to deposit money, I filed a claim saying I did not know how much was put in but roughing {$700.00}, I was given credit in the meantime, they pulled it saying the money was never found. I filed claim after claim with no communication or requests from the company and now they charged my debt off while in the middle of this dispute. 
Regional mangeXXXX XXXX XXXX had been completely silent and have not provided any information to me. Any contact has been because I called week after week. 
I have only gotten answers whenever I have involved my father to speak with me when meetings with the branch.

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 2025-04-11 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-11 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: OK

Complaint narrative:
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

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 2025-04-11 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
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

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 2025-04-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute several unauthorized transactions that occurred on my business bank account linked to my Affirm account.

I have been an Affirm customer since XX/XX/year> and have never had issues until this event. On XX/XX/XXXX, I noticed two large withdrawals from my account : one for {$500.00} and another for {$390.00}. These were charged by Affirm, even though I had not made any purchases, and I had not been approved for credit with Affirm for a long time.

These charges disrupted my ability to pay for my business insurance a vital cost to continue working. I immediately contacted XXXXXXXX XXXX, and they refunded the money. I then contacted Affirm, but the representative could not find any purchases in my account and claimed the transactions were not theirs. I sent my bank statements by email as proof, but I never received a response. 

Upon further review of my account, I discovered additional large deductions : {$580.00} and {$510.00}, both on XX/XX/XXXX. None of these charges align with any purchase history on my Affirm account, where my highest monthly payment was never more than {$130.00}. 

I contacted XXXX again to report this as fraud. While they temporarily refunded the money multiple times, it was repeatedly withdrawn again. My husband, who co-owns the account and has exclusive access along with me, even had to stop working because we were left without money for basic needs like fuel and groceries. He went to the bank in person and faxed all requested documents. 

Eventually, XXXX stated the case was resolved in our favor and refunded the full amount of {$2000.00}. However, two weeks later, this exact amount was taken from our account again. When we contacted XXXX, we were told that Affirm claimed the charges were valid and authorized which is untrue. These were automatic debits, not manual authorizations. 

I contacted Affirm again and spoke with a representative via chat, who confirmed that there were no such purchases under my account. Yet, I was told to resolve the issue with my bank. I filed a police report, but nothing has been resolved to date.

I have since closed my Affirm account, which still shows three pending payments. I am willing to pay what I truly owe, but I will only do so through a one-time manual payment, not through automatic withdrawal, since I no longer trust Affirm with my banking information. On XX/XX/XXXX, Affirm reported those three accounts as delinquent to the credit bureaus, even though the dispute is ongoing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
when rep called impersonating a lawyer I asked them to provide the purchase agreement, The rep became very aggressive - asked " cease and desist. '' the calls- disputed on all three credit bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
On XX/XX/XXXX XXXX I received an alert on my credit report XXXX XXXX and XXXX about a debt that I didnt recognize so I called the collection agency and requested they investigate and verify the debt they said theyd email me after the investigation its been almost two years no reply called today XXXX XXXX no response on the verification I advised the company I never lived at the address nor did I ever have the gym membership theyre speaking about and kindly asked to have the debt removed they said they need more time so i decided to go the legal route Legal Reference : 15 U.S. Code 1681.

2. Fair Debt Collection Practices Act ( FDCPA ) Purpose : To protect consumers from abusive debt collection practices.

Key Provisions : Prohibits harassment, misrepresentation, and unfair practices by debt collectors.

Debt collectors must provide validation of debt upon request within 30 days of initial contact. 

Consumers can dispute debts and request debt verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FREEDOM FINANCIAL NETWORK
State: NJ

Complaint narrative:
I am disputing inaccurate and inconsistent reporting on my XXXX, XXXX and XXXX credit reports by Achieve Personal Loans.

For years, the account in question was listed as NR ( No Reporting ), indicating no monthly updates. However, after I initiated a dispute in XX/XX/year>, Achieve retroactively changed the historical data to show multiple years of C/O ( Charge-Off ) status. This caused a drop of XXXX points ( depending on the credit bureau ) in my credit score, which has had a serious and unfair impact on my creditworthiness.

I believe this violates the Fair Credit Reporting Act ( FCRA ), as furnishers must report data accurately and consistently. XXXX, XXXX and XXXX accepted and applied this dramatic retroactive change without sufficient verification, which I believe is negligent and harmful. 

I am requesting CFPBs help to ensure this is properly investigated, corrected, or removed entirely if the data can not be verified as consistently reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: PA

Complaint narrative:
My whole bank account was scammed money kept getting taken out my account every time I try to report it they said it wasnt fraud. I feel like Chime was taking  my money.

Company response to consumer: Closed with explanation