vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 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: NJ

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA XXXX ( 15 U.S.C. XXXX ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically XXXX ( 15 U.S.C. XXXX ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within XXXX ( XXXX ) business days of your receipt of this request. 
The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report. 
I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. 
These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. 
To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint XXXX [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA XXXX and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
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 explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am asking for your help to look into accounts from companies that are incorrectly reporting late payments. After reviewing my credit report, I noticed certain accounts marked late, which is not accurate. There should be no late payment remarks on these accounts. Please remove these errors and update the accounts to reflect a positive status as agreed.

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 2025-05-07 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: NY

Complaint narrative:
I had a series of unrecognized transactions that I disputed. Chime denied my claim without even initiating chargebacks to the payments. 

On XX/XX/XXXX, Chime requested testimony from XXXX that confirms they never received the chargebacks in order to open rebuttal. 
I reached out to XXXX and XXXX confirmed that they received no chargebacks from Chime. 
They confirmed will work hand-in-hand with Chime to resolve the dispute and asked Chime to initiate the chargebacks. 
I provided Chime with such document and Chime still has not initiated the chargebacks. 

Chime then confirmed there were partial merchant credit. 
Initial dispute was {$7400.00}. 
Merchant credit confirmed of {$220.00}. We removed {$220.00} from dispute. 
Merchant credit confirmed of {$1200.00}. Please remove {$1200.00} from dispute. 
Remaining dispute amount is {$5900.00}. 

Then, XXXX has provided an update that there was a chargeback successfully initiated of {$100.00}, which is ONE of the unauthorized transactions out of ten.

In the chargeback process, the update clearly indicates that the merchant has agreed to settle the case by issuing refund.

Chime is now withholding the refund that the merchant has agreed to provide, and has fraudulently ended the dispute process without initiating chargebacks for the remainder of unauthorized transactions.

Not only is Chime withholding the refund, Chime has initiated ONLY ONE of the chargebacks and have refused to issue chargebacks on the rest.

Why did Chime only chargeback just one of the transactions? Can you please chargeback all the transactions? 

Why is Chime is withholding the refund that the merchant has agreed to settle? 

Initial dispute was {$7400.00}. 
Merchant credit confirmed of {$220.00}. We removed {$220.00} from dispute. 
Merchant credit confirmed of {$1200.00}. Please remove {$1200.00} from dispute. 
Remaining dispute amount is {$5900.00}. 
CHIME initiated chargeback of {$100.00}. Seller agreed to settle and refunded {$100.00}. Remove {$100.00} of remaining dispute. 
Remaining dispute amount is {$5800.00}. 

I am requesting to go into arbitration for this dispute. 
Please go into arbitration for the amount of {$5800.00} and initiate chargebacks for the remainder amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: DC

Complaint narrative:
I contacted them today about it about XX/XX/year> the credit card company and reporting bureau and nothing was done about my alarming concerns and I was told since everything matches it is validated but this is fraudulent and identity theft. This needs to be stopped immediately and someone should intervene on the consumer behalf and protect them from being taken advantage by these companies.

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 2025-05-07 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: CA

Complaint narrative:
I do not know where to start. Problem started once I decided to check my credit reports. I found account from XXXX XXXX XXXX XXXX I could not recognize. I called to creditor it appeared that account is not mine and is result of identity theft. I asked them to close it although it is good standing, but it is not mine and must be closed and removed to prevent any fraud under my name. I also appeared that payments on the fraudulent credit line was done from XXXX checking account. I also notified XXXX about fraudulent checking account under my name, they closed it and send me letter according fraud roots confirmation. After I spoke with credit reporting agencies and was requested to fill FTC report for deletion from my credit report. Please delete XXXX XXXX XXXX XXXX fraudulent account from my credit reports, because although it is good standing account, but is not mine is both fraudulent and inaccurate information on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc.
State: TX

Complaint narrative:
I am formally disputing the {$920.00} medical debt reported by UCB Collections to the credit bureaus with a listed open date of XX/XX/year>. I do not recognize this debt, and UCB has failed to identify the original creditor, which is a basic requirement under both federal and Texas law. I am exercising my rights under Texas Finance CXXXXe XXXXXXXX and the Fair Credit Reporting Act ( 15 U.S.C. XXXX ( b ) ) to demand validation. Until such validation is provided, UCB is legally obligated to cease all collection activity and credit reporting. This debt, as reported, is tied to a medical service. Any attempt by UCB, a third-party collection agency, to validate or investigate this debt without a HIPAA-compliant authorization from me would constitute a direct and willful violation of the XXXX Privacy Rule ( XXXX XXXX XXXX ). You can not legally access, transmit, or disclose any protected health information XXXX XXXX  ) from the original provider for any reasonincluding debt validationwithout my explicit, signed, written XXXX authorization. Since no such authorization has ever been provided, UCB is legally barred from validating this debt. If they have attempted to do so, they are in violation of federal privacy law. If they have not, then they are furnishing unverified information to credit reporting agencies. I also have reason to believe the reported date opened has been manipulated or re-aged, which violates FCRA XXXX ( a ) ( XXXX ). Any inaccurate or unverifiable data must be immediately deleted under both FCRA and Texas Business & Commerce CXXXXe XXXX. UCBs reporting practices are materially misleading. Furthermore, the CFPBs XX/XX/year> final rule affirms that medical collections are not reliable indicators of creditworthiness and should not be reported. Continuing to report this medical debt under these circumstances is deceptive, harmful, and unlawful. If this issue is not resolved, I fully intend to pursue legal action by filing a small claims lawsuit in XXXX XXXX XXXX XXXX of the Peace, Precinct XXXX, seeking actual and statutory damages, court costs, and any remedies allowed under the Fair Debt Collection Practices Act and Texas law. I request that the CFPB investigate UCB Collections for these violations and take appropriate enforcement action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: TX

Complaint narrative:
I am writing to formally dispute the accuracy of a derogatory account and hard inquiries listed on my Equifax credit report. These entries may be the result of incorrect reporting or identity compromise, particularly in light of the Equifax data breach. 

Disputed Account : XXXXXXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Disputed Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX Under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), I am entitled to request a reinvestigation of any disputed information. Additionally, the Fair Debt Collection Practices Act ( 15 U.S. Code 1692e ) prohibits the reporting of inaccurate or unverifiable data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I purchased a XXXX XXXX '' XXXX  XXXX XXXX XXXX XXXX monitor on XX/XX/year>. On XX/XX/XXXX, the monitor became defective a portion of the screen went black and unresponsive. I reported the issue to XXXX and they arranged an in-home repair for XX/XX/XXXX. After the repair, the screen remained defective. I reported this the same day and requested a return. I was told the ticket would remain open, but it was closed without resolution. 

Since then, Ive contacted XXXX multiple times to return the product for a refund. I was repeatedly denied a return or refund and told that XXXX warranty policy only allows for repairs. I made it clear I do not want a second repair attempt, as the first one failed. I am not asking for a replacement I want to return the defective product and be refunded. 

I submitted a dispute through American Express. I provided documentation, photos, and a formal letter. XXXX responded by citing their 15-day return policy and the fact that I still have the monitor. However, they have refused to authorize a return or provide an XXXX, leaving me with no path to send it back. I have offered multiple times to return the item. I am not trying to keep the product and get a refund I simply want a way to return a defective product that XXXX has failed to fix. 

I also contacted XXXX corporate. They replied in writing that only a repair would be allowed, and that a refund is not offered under their policy even if the repair fails. This contradicts federal warranty protections and has left me stuck with a broken {$1500.00} product. I am requesting that American Express be required to reverse the charge or that XXXX be required to accept the return and issue a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: SC

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 2025-05-07 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Second Alliance, Inc.
State: MD

Complaint narrative:
I am writing in regard to a letter I received from XXXX XXXX XXXX XXXX, a debt collection agency based in XXXX XXXX, California. The letter, dated XX/XX/year>, claims that I owe a debt totaling {$7300.00} related to an " XXXX XXXX XXXX. '' I do not recognize this debt and do not acknowledge any obligation to pay the amount alleged. 
In their communication, XXXX XXXX XXXX XXXX references California Civil Code Section 1785.26, threatening that a negative credit report may be submitted if I fail to meet the terms of the purported credit obligation. They also cite the California Rosenthal Fair Debt Collection Practices Act, asserting their right to contact others to confirm my location or enforce a judgment, and referencing Section 1788.21, which they claim requires me to notify them of any changes in my name, address, or employment. Upon reviewing their website, I found that XXXX XXXX XXXXXXXX lists a physical address of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. The company presents itself as a XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX services, claiming to shift the perception of collections from a business necessity to an academic priority. Their messaging asserts that they " recover students, '' not just funds, by promoting self-reliance and fiscal responsibility among borrowers. 
However, the language used on their website to describe student borrowersreferring to them as irresponsible, immature, entitled, insecure, and obliviousis deeply concerning. Such characterizations are not only inappropriate and offensive, but they also appear to reflect a coercive and disrespectful approach to debt collection. This raises serious concerns regarding their compliance with both federal and state debt collection laws. On XX/XX/year>, I contacted XXXX XXXX via certified mail to formally dispute the debt, stating that I do not recognize the account and do not acknowledge any obligation to pay it. Despite this, on XX/XX/year>, I received a credit bureau alert indicating that XXXX XXXX XXXX XXXX reported the account as being in collections ( XXXX XXXX XXXX ) with a balance of {$7300.00}, dated XX/XX/year>. This action appears retaliatory in response to my lawful exercise of rights under federal and state debt collection laws. Moreover, this reporting constitutes a direct violation of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act, which mandates that all collection activities must cease upon notification of a disputed debt.Moreover, I have reason to believe that XXXX XXXX XXXXXXXX does not hold a valid debt collection license issued by the State of Maryland. In light of these issues, I respectfully request that this matter be investigated and that any necessary enforcement actions be taken to ensure compliance with applicable federal and state regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
MOHELA did not send me reminder billing statements through email or mail. 
Also, my personal and financial information was compromised. The family education, educational, and privacy rights act ( FERPA ) protect the confidentiality of students information. The breach is a clear violation of FERPA and MOHELAs responsibility to safeguard information. Given the severity of this breach and the resulting compromise of my private and financial information, I request a full discharge of my student loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: AL

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. XXXXn, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: MI

Complaint narrative:
Per 15 USC 6802 I as a federally protected consumer I am now opting out of the following predator reporting on any of my consumer reportsXXXX XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Late payments XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Late payments XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Per 15 USC 1666B and 15 USC 1681 I this account must be removed Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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