vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 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:
Im concerned to see a late payment reported, as it conflicts with my record of consistent payments. Please correct it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: MD

Complaint narrative:
This is my sixth and final dispute. Your ongoing failure to delete or verify the disputed information is a direct violation of multiple federal laws, including : FCRA 1681i ( failure to investigate ) FCRA 1681e ( b ) ( failure to maintain accuracy ) FCRA 1681n and 1681o ( willful and negligent noncompliance ) CFPA 5536 ( unfair, deceptive, or abusive practices ) 15 U.S.C. 45 ( FTC Act unfair methods of competition ) You are now subject to civil liability, and I am prepared to take this to court, file complaints with the CFPB, FTC, State Attorney General, and pursue full legal remedies, including damages and attorneys fees. I demand the immediate deletion of all inaccurate, unverifiable, or misleading information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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:
In line with USC 1681g, please delete the fraudulent accounts I did not authorize from my credit report within 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: OH

Complaint narrative:
I checked my credit report and I found an account that was incorrect on my credit report. It was reported as XXXX XXXX XXXX under the account number XXXX in the amount of {$1600.00}. It showed that a company that I have never heard of, XXXX, was the original debt. I contacted XXXXXXXX XXXX XXXXXXXX directly numerous times and requested debt validation. They never responded to any of my requests, which is a violation of my rights under FCRA 611 [ 15 U.S.C. 1681i ].

I contacted XXXX directly and they emailed me a lease agreement for a XXXX XXXX that cost {$810.00} and the agreement was for {$1700.00}. I knew immediately that this was inaccurate because for one, I don't use PC 's. I exclusively use XXXX products and only purchase XXXX. And I would NEVER agree to pay double the price for something. That is criminal in itself. And again, I have never even heard of this company. And thank goodness because if they are ripping customers off like this, I would never use their services. And I mean NEVER! So I immediately filed a report with IdentityTheft.gov I am requesting that Experian remove this account from my credit report under Section 605B of the Fair Credit Reporting Act ( 15 U.S. Code 1681c-2 ) - Block of Information due to Identity Theft.

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 2025-07-31 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: GA

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. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-07-31 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: KY

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: IL

Complaint narrative:
I have been a victim of identity theft and the Equifax data breach. Equifax continues to allow illegal accounts to show on my credit report and also accounts that have been deleted they put back on. This is illegal XXXX XXXX XXXX have deleted these items and I have tried working with Equifax and Equifax has done nothing. Please help me delete these items from my reports permanently effective immediately. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-07-31 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: AR

Complaint narrative:
I am requesting a reinvestigation of every item on my current credit report pursuant to Section 609 of the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). Under this section, you are federally mandated to obtain verification of the accuracy and completeness of all information in my file. If any portion of my credit reportsuch as accounts, judgments, balances, payments, late payments, or account historycannot be verified as 100 % accurate and complete, I am requesting that it be deleted or modified immediately. The disputed items are listed in the attached document.

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 2025-07-31 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

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 2025-07-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
XXXX. XXXX XXXXXXXX XXXX  Date of Death : XX/XX/XXXX. 
XXXX. Union Bank ( now US Bank ) contacted me, XXXX XXXX daughter, several years after his death and directed me to report to XXXX XXXX XXXX, XXXX XXXX, CA XXXX, to claim the POD. 
XXXX. In XXXX, my sister and I went to Union Bank/US Bank at XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, as instructed by an official letter. 
XXXX. When we were presented with a POD check for just over {$1000.00}, I asked why the amount was only XXXX XXXX. The bank agent would not answer my question. At that time, I presented a handwritten letter with my signature to the bank agent, questioning the amount of the POD. I also opened an account because the issue needed to be resolved by the bank. 
XXXX. XXXX XXXX XXXX XXXX XXXX ( As of XXXX, the Estate of XXXX XXXX is still an open case. The XXXX XXXX XXXX XXXX assigned someone named XXXX XXXX as conservator, who is not a family member. In XXXX, XXXX XXXX and his attorney submitted an accounting to the XXXX XXXX XXXX XXXX which included the Union Bank ( now US Bank ). At the time of XXXX XXXX death in XXXX, the Union Bank account balance was over {$400000.00}. Nevertheless, I was only presented with a check for about {$1000.00} on my birthday. ) XXXX. I have contacted the legal department and inquired with Union Bank/US Bank , but have not received a reply. 
XXXX. On XX/XX/XXXX, XXXXa month before the anniversary of my fathers passing ( XX/XX/XXXX ) US Bank closed my account without notice. Union Bank/US Bank has not replied to my complaint.

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 2025-07-31 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: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Im sending this email with the hope of getting your help. Ive been waiting for the credit card company to dismiss an unauthorized charge from XX/XX/year>2024. The credit card company is Citizens ( XXXX XXXX ). I traveled to XXXXXXXX XXXX XXXXXXXX on XXXX of 2024 and got in a car in the airport who offered to take me to my hotel at the same value an XXXX would. The driver confirmed that charge was going to be {$30.00}. When we got to hotel, I gave my credit card to driver and requested receipt. He said he couldnt give receipt but that he was going to email it to me. Before I checked in the hotel, I checked my email and had no receipt had been sent. I then checked my credit card activity I saw two new charges, one for {$2500.00} and another for {$5500.00}. I immediately called credit card company and alerted them of the fraud and told them not to process payment. At that time charges were showing as pending. They told me they couldnt do anything until the charges went through. That same morning, I called the local police, an agent was sent to the hotel and I completed an official police claim. ( I have a copy of the claim with me ). I called back credit card company and told them about the police claim number. I was told it could take a couple of weeks for it to be resolved. Upon my return to the US I reached out again but got no response. I then got a letter in mail saying claim was rejected because I had my card in my possession. I reopened the case again but still waiting to hear anything. I have been calling every week hoping for charges to be removed but have not been successful. They say its still being reviewed the claim number I was given is XXXX. I believe I shouldnt be liable for these charges since I alerted the credit card company of the fraud within minutes it happened. Also I was abroad and credit card company should have blocked payment or at least notify my about this activity since I never alerted them I was traveling or at least block the 2nd transaction. Thank you for your time and consideration.

Hide full complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: NJ

Complaint narrative:
My information was exposed to XXXX XXXX breach and my identity was do not recognize these accounts listed below : XXXX. XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX  account number XXXX XXXX. XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXXXXXX account number XXXXXXXX XXXX XXXX XXXX account number XXXX XXXXXXXX XXXX XXXX XXXX XXXXk account number XXXX XXXX. XXXX XXXX XXXX XXXX account number XXXX XXXX. XXXXXXXX XXXX XXXXXXXX account number XXXX XXXX. XXXX  account number 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 2025-07-31 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: NJ

Complaint narrative:
My information was exposed to XXXX XXXX breach and my identity was do not recognize these accounts listed below : XXXX. XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX  account number XXXX XXXX. XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXXXXXX account number XXXXXXXX XXXX XXXX XXXX account number XXXX XXXXXXXX XXXX XXXX XXXX XXXXk account number XXXX XXXX. XXXX XXXX XXXX XXXX account number XXXX XXXX. XXXXXXXX XXXX XXXXXXXX account number XXXX XXXX. XXXX  account number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: TN

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX. This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the XXXX  goes here, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint.

The fraudulent, inaccurate, and false information includes the following : A collections account opened at NATIONAL CREDIT ADJUSTERS LLC on XX/XX/XXXX with a balance of $ ( private ), associated with the XXXX XXXX which is a payday loan account. 

These accounts have resulted in fraudulent collections on my consumer FICO credit report. I have attached a list of the alleged collection accounts and a copy of the consumer credit report maintained by you, which shows these fraudulent items.

I do not recognize these accounts or collections as reported. The accounts or collections appearing on my credit report were not opened, made, or authorized by me. All of these items are the result of identity theft and fraud.

I have also attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that these items are the result of identity theft and fraud.

I request immediate removal of these items as per my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: KY

Complaint narrative:
b'Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction: \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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: KY

Complaint narrative:
b'Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction: \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

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 2025-07-31 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: FL

Complaint narrative:
I discovered this account while reviewing my credit report and immediately noticed multiple inconsistencies that raised serious concerns. I do not recall ever opening or authorizing this account, and I have never received any statements, billing notices, or communication from the original creditor or any collection agency regarding the balance allegedly owed. The account shows a negative status and a balance amount that I do not recognize, and no documentation has ever been provided to substantiate its legitimacy. I attempted to resolve the matter by initiating a dispute previously, but no proper validation or explanation was given. I am now formally requesting that this account be fully investigated and removed from my credit report if the company can not provide complete and accurate documentation verifying its validity.

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 2025-07-31 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: CA

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX sent me {$250.00} from his Chime account to my Chime checking account. When I went to retrieve my funds, Chime had taken {$140.00} out of my account with no notice or reason why. After calling immediately to determine what the issue was and why they were taking my money without permission. They informed me that 9 months prior in XXXX of XXXX I had received a loan from their " My Pay '' service. A service that you must have direct deposit to receive. At the time I had my Social Security Disability checks being deposited. However, those checks were temporarily suspended. Any money owed to " My Pay '' is directly removed from your check upon deposit. I assumed any debts therefore were paid. When I went to check on " My Pay '' to see if I owed any balance, it showed {$0.00}. Although I no longer was getting my SSI benefits, I still have money going in and out of my account. At no point was there any effort to retrieve anything that may have been owed nor was there any mention or billing of any type. Even my credit report shows Chime account as paid in full. Now 9 months later they take my money with no notice or warning. No one ever called to speak to me about a debt and payment arraignments, they just out of nowhere took my money. I feel STOLE my money. I attempted to ask to speak to a supervisor after the initial representee was of no help to me and unwilling to return my money. I was placed on hold, and I hung up after an hour passed and no supervisor came on the line. This happened 5 more times until finally speaking to someone that claimed to be a supervisor in their membership support line. The supervisor tells me he is very sympathetic to my issue but is unable to return my money. I explained that I have no problems paying any debts I may have but I was unaware I even owed anything more in the first place and if I actually do owe then I would appreciate working out payment arrangement or receiving a normal bill that makes me aware of any debt and some notice to then pay it. Instead, they blindside me and just took my money with no type of warning or notice. The representative informed me that today was their first day of implicating this type of collection. Lucky me just happened to receive some money to enable me to eat since I am struggling with the loss of my disability benefits and not sure when my next meal may be coming. I am a disable senior citizen that is unable to work. In no way was this something that was affordable and is detrimental to my wellbeing. Now XXXX knows how long it is going to take to see return of my money or if it will be returned at all. According to Chime who is part of the XXXXXXXX XXXX it can not be returned, and they are getting away with stealing from me. 
Contact Information Contact Name XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: Spring Oaks Capital, LLC
State: CA

Complaint narrative:
Using 15usc1681 I never gave them written consent to furnish my information or obtain my information

Company response to consumer: Closed with explanation