vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-15 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: MD

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-10-15 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: DE

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: NH

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: MO

Complaint narrative:
Raise a dispute with my XXXX with banking account regarding some charges from this company called XXXX XXXX XXXX. However my dispute was denied and I'm not quite sure why as I have had several disputes against this company because they have overcharged me on several occasions. I had to take my direct deposit off of my time account because of fraud there have been numerous charges that I did not authorize on my chime account some from XXXX there have been numerous charges that I did not authorize and yet time decides to deny my dispute. I have a numerous problems with unauthorized charges at my time account and charm doesn't want to seem to do anything to try to resolve the problem

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: TX

Complaint narrative:
I feel extremely frustrated and anxious seeing that these inaccurate accounts are still showing on my credit reports and have not been taken out. Please review the attached documents carefully so I can finally stop living with this constant worry.

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 2025-10-15 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: CO

Complaint narrative:
So my phone was stolen a while back and I had to get a new one but I didnt know how to erase my information off my other phone. Whoever had my phone made a bunch of online purchases with a XXXX XXXX XXXX XXXXransactions actually for a total of XXXX. I filed a dispute against these charges and they denied it t. I respectfully request a thorough re-investigation of this matter. It was also denied. 

The transactions in question were made online using my debit card without my authorization. I did not make these purchases, nor did I knowingly provide my card details to authorize or any related entity. Additionally, I have not received any goods, services, or benefits from these transactions.

Under Regulation E, consumers are protected from liability for unauthorized electronic transactions when reported in a timely manner which I did. I have taken all reasonable steps to secure my card and report the fraud as soon as I noticed the charges. 

Given that these were online transactions, there is no signed receipt, no PIN entry, and no verified authorization from me. Therefore, I am requesting a full reconsideration of my dispute and a reversal of the charges. 

I spoke with chime via telephone and they said there was nothing they could do about it I asked to speak to a supervisor and was denied that as well I informed them I would be contacting you guys to file a complaint and was told to go ahead. 

Thank you for your time and help in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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 an active U.S. servicemember. Experian, Equifax, and TransUnion are continuing to report an inaccurate tradeline from XXXX. XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) despite clear, verified evidence that it is invalid. The furnisher has already admitted in writing to the CFPB that the tradeline was an error and must be removed ( Exhibit A ). I also have a XXXX XXXX housing clearance showing a {$0.00} balance ( Exhibit B ). Despite these documents, all three bureaus continue to publish the tradeline as unpaid ( screenshots attached ). 

Legal violations : 15 U.S.C. 1681e ( b ) : Consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy.

15 U.S.C. 1681i ( a ) : Once a dispute is submitted, the agency must reinvestigate and correct or delete inaccurate information.

15 U.S.C. 1681c : Agencies must remove obsolete or inaccurate data.

Statutory remedies ( FCRA 1681n & 1681o ) : W
illful or negligent failure to comply exposes agencies to damages, punitive or statutory, and attorneys fees.

Reinsertion rules ( FCRA 611 ( a ) ( 5 ) ( B ) ) : If a deleted item is later reinserted, the agency must notify the consumer and document authenticity. Reinsertion without following that requirement is illegal. 


Requested resolution : 1. Immediately delete the XXXX. XXXX / XXXX XXXX tradeline from Experian, Equifax, and TransUnion consumer files within five ( 5 ) business days of receipt.

2. Provide me ( and CFPB ) written confirmation of deletion with the deletion da
te and name/title of approving official.

3. If any bureau claims verification, provide all documentation used to verify, including chain-of-custody, source records, and the name/ID of the person authorizing the verification.

4. Cease any further reporting of this tradeline unless substantial, primary-source documentation is obtained and provided in advance.

If deletion is not completed in five business days, I will seek all remedies under the FCRA, including statutory, actual, and punitive damages, and request immediate CFPB enforcement. 

Attachments : Exhibit XXXX XXXX  XXXX written admission to CFPB ; Exhibit B XXXX XXXX clearance ( {$0.00} ) ; Exhibit XXXX screenshots from Experian, Equifax, TransUnion showing the tradeline.

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 2025-10-15 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 am filing a complaint regarding inaccurate personal information and an unauthorized inquiry on my credit report. The names XXXX XXXX and XXXX, XXXX, XXXX are not associated with my identity and must be removed. Additionally, the addresses XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX and XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX are inaccurate and should be deleted. An unauthorized inquiry from XXXX  XXXX dated XX/XX/year> was made without my consent or permissible purpose. These inaccuracies violate the Fair Credit Reporting Act ( FCRA ) 1681e ( b ) and 1681i, which require consumer reporting agencies to ensure maximum possible accuracy.

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 2025-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: WI

Complaint narrative:
The date are are they have not only denied my dispute but they have not gained paperwork thing by my dispute is denied nor did they take the proper step and they close my account when I was complaining

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: NC

Complaint narrative:
Good day, I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon regarding the resolution of this dispute.

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 2025-10-15 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: NC

Complaint narrative:
Good day, I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon regarding the resolution of this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: WI

Complaint narrative:
I am filing a complaint regarding several inaccurate late payment entries on my credit report. The following accounts show inconsistent or unverifiable late statuses : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$1900.00} ), XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$3500.00} ), and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$4100.00} ) each report 90120 days late for overlapping dates, which is inconsistent and misleading. Additionally, XXXX  XXXX * * ( {$28000.00} ) reports continuous 120-day late payments from XXXX, which appears erroneous or unverifiable. These inaccuracies violate the Fair Credit Reporting Act ( FCRA ) 1681e ( b ) and 1681i, which require maximum accuracy and proper reinvestigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I am filing a complaint regarding several inaccurate late payment entries on my credit report. The following accounts show inconsistent or unverifiable late statuses : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$1900.00} ), XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$3500.00} ), and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$4100.00} ) each report 90120 days late for overlapping dates, which is inconsistent and misleading. Additionally, XXXX  XXXX * * ( {$28000.00} ) reports continuous 120-day late payments from XXXX, which appears erroneous or unverifiable. These inaccuracies violate the Fair Credit Reporting Act ( FCRA ) 1681e ( b ) and 1681i, which require maximum accuracy and proper reinvestigation.

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 2025-10-15 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 request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Letter to XXXX  Regarding CFPB Lawsuit and Consumer Credit Rights mail : [ insert ema ate : XX/XX/year> To : XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear XXXX XXXX Department, I am writing in direct reference to the recent enforcement action by the Consumer Financial Protection Bureau ( CFPB ) against XXXX, which resulted in a {$15.00} million penalty for improper handling of consumer credit report disputes and reinsertion of previously deleted inaccurate data ( CFPB File Reference : In the Matter of XXXX  XXXX and XXXX  XXXX XXXX XXXX, XXXX As a consumer whose credit file is maintained by your agency, I am formally requesting that Equifax perform a complete reinvestigation and validation of all accounts, inquiries, and tradelines currently reported under my name : Consumer : XXXX XXXX. XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX In accordance with XXXX U.S.C. XXXX ( FCRA Section XXXX ), you are required to : XXXX. Conduct a reasonable reinvestigation of disputed items and provide written verification of all entries. 
XXXX. Remove or correct any inaccurate or unverifiable information within 30 days of this notice. 
XXXX. Provide documentation of each furnisher 's verification, including dates and evidence supporting continued reporting. 
Given that the CFPB determined XXXX  had previously failed to adequately investigate consumer disputes, this request is being made with specific expectation of compliance with the updated enforcement order. Please ensure that your response includes : - Confirmation that all reinvestigations are handled in accordance with the CFPB 's 2025 Consent Order ; - Copies of any correspondence with furnishers verifying the accuracy of reported items ; and - A complete consumer disclosure reflecting any deletions or corrections made. 
If any information remains unverifiable, I demand its immediate deletion pursuant to FCRA XXXX ( a ) ( XXXX ) ( A ). Continued reporting of unverifiable or inaccurate data will be considered a willful violation and grounds for formal complaint and legal action under XXXX U.S.C. XXXX and XXXX. 
ase send your written response and updated consumer file to the address listed above within ys as required by I Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NY

Complaint narrative:
On XX/XX/XXXX, I sent a PSLF LOAN FORGIVENESS RECONSIDERATION REQUEST to XXXX. stating the following : Hello, I am requesting that NYSED reconsider my eligibility for PSLF. 

I have had full-time employment with qualifying government agencies for over XXXX years. Additionally, I have had full-time employment with a qualifying not-for-profit agency for over 10 months. Unfortunately, your recent calculations that resulted in my PSLF denial of eligibility have not accounted for all of my eligible employment. 

I assure you that once you have verified my total work history, which I attempted to submit by using your online tool, you will see that I have had over 11 years of eligible employment that has not yet been entirely credited. My tax information will also show that any payments throughout this term ( the last 11 years ) under my current repayment plan would have qualified as XXXX payments, which, to date, would make all of my loans eligible for loan forgiveness. 

I am still employed XXXX XXXX XXXX XXXX  as we speak. Doesn't my continued XXXX XXXX XXXX? This is why I began public service employment in the first place. Should I also bear the burden of knowing all the intricacies associated with achieving loan forgiveness while trying to survive with a nominal public service salary? 

Please get back with me at your earliest convenience. Please provide all options that are available to me to pursue this grievance, if any part of my student loan portfolio can not be totally forgiven immediately. 

Thank you in advance, Sincerely, XXXX It is now XX/XX/XXXX. I still work for XXXX, and my loans have not been forgiven. This drastically impacts my Credit Bureau Report, which in turn impacts my livelihood. 

Please Help

Company response to consumer: In progress
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: WV

Complaint narrative:
I am filing this complaint regarding a Jefferson Capital Systems account that I do not believe belongs to me. 

When I contacted Jefferson Capital Systems by phone, I was told they could not assist me because the account is being serviced by XXXX. When I contacted XXXX, they stated that they also do not believe the debt belongs to me and therefore would not provide access or documentation related to the account. Both companies refused to give me any verification or allow me to take further steps to resolve the matter. These conversations with both companies occurred over the phone. 

The debt being reported is for XXXX XXXX, and I have documentation from Jefferson Capital Systems confirming that they previously closed and terminated collection activity on a separate XXXX XXXX account from the same time period. That account was for a balance of {$1300.00}. The current account in question is also listed as a XXXX XXXX debt from the same period, but for a different amount of {$960.00}. 

This suggests that both accounts may be connected or duplicative, yet I have only been able to have one successfully removed. Despite both Jefferson Capital Systems and XXXX telling me they do not believe the remaining account belongs to me, XXXX  verified the information as accurate in their investigation. 

I have made multiple good-faith efforts to resolve this issue directly with both companies and through the credit bureaus, but I have been denied access to the debt or any verification documents that could prove ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$1000.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$1100.00} XXXX & XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$120.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$11000.00}

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