vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-16 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:
This late payment mark is incorrect and does not align with my actual payment history. I have been diligent in making timely payments, and I request an update to ensure accuracy in my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
MY CREDIT REPORT HAVE MULTIPLE INCORRECT NAME VARIETIES, ALSO ADDRESSES, AND PHONE NUMBERS DUE TO FRADULENT ACTIVITIES. 

MY FULL AND CORRECT LEGAL NAME IS XXXX XXXX. THE FRADUELENT VARETIES ARE XXXX XXXX XXXX, XXXX, XXXX. 

MY CURRENT AND VALID ADDRESS IS : ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE FRADUELENT ADDRESSES ARE XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

INCORRECT EMPLOYER NAMES : XXXX XXXX, XXXXXXXX XXXX XXXX  MY CURRENT AND ONLY PHONE NUMBER IS 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 2025-05-16 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX is reporting an account that originally belonged to XXXX XXXX XXXX, which has been closed for years. However, it is now showing new activity as of XXXX  under the rebranded name, which appears to re-age the debt. This is misleading and violates the Fair Credit Reporting Act ( FCRA ), which prohibits changing account dates to extend the reporting period. 

I requested verification of the original dates and creditor identity but did not receive a proper response. This inaccurate reporting is negatively affecting my credit and should be removed.

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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: MS

Complaint narrative:
I am submitting this formal complaint against Transunion for violating the Fair Credit Reporting Act ( FCRA ), specifically Sections 605B and 611. 
On XX/XX/XXXX, I filed a dispute regarding fraudulent accounts on my credit report. I provided all necessary documentation, including : A valid identity theft affidavit A government-issued ID Proof of address Evidence of a data breach linked to my personal information According to FCRA 605B, the credit bureau was required to block those accounts within 4 business days. Instead, they marked the accounts as verified without giving me any proof of how they verified the information.

This violates FCRA 611, which requires a reasonable investigation and disclosure of the source of verification. 
Their failure to provide the source especially when no one contacted the FTC to confirm the validity of my identity theft affidavit shows noncompliance. 
This pattern of behavior has been ruled unlawful in multiple court cases, including XXXX XXXX XXXX XXXX and XXXX XXXX Bank XXXX New York, where courts affirmed that consumers have the right to accurate reports and meaningful investigations. 
Transunion actions also conflict with the CFPBs 2012 guidance on dispute handling.

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 2025-05-16 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: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
Between XX/XX/XXXX to XX/XX/XXXX I have open disputes because unauthorized transactions on my XXXX  debit card that I lost. PayPal have denied all merchants disputed except XXXX for {$160.00}. The total amounts disputed were {$5400.00}. I informed them that I was going to report them to CFPB, they retaliated by permanently limiting my account and fail to send me the documents requested that they used to deny my disputes. PayPal only investigated the charges for less than 24 hours before denying so I know they havent fairly investigated the fraud that happened. Please return the funds that were reported unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: WA

Complaint narrative:
Im reaching out to demand a full and clear certification that every single piece of information linked to this account actually belongs to me. I want absolute confirmation that all data including personal details, transactions, inquiries, and any associated accounts are legitimately mine and have not been added in error or mixed with someone elses information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital one service is awful. I opened a secure card first to help increase my credit score. Then, a checking / savings account cap one said I qualify and with a click of a button a new debit card came in the mail attached to the new checking. I had not used the checking so this month on XXXX XXXX I tried to transfer funds from my XXXX to cap one chk. At first the XXXX couldnt verify cap one. Next, I already had both banks verify each other prior to the transfer on a XXXX way manger phone call! Then, cap one decided to place a hold on my funds first {$1300.00} ( cap one XXXX said he pulling it out of my credit union when the {$1300.00} had not gone through yet. It takes XXXX XXXX when I need my funds to pay bills. So I had the XXXX to cx the {$1300.00} and transfer the {$1300.00}. Then cap one held it too! Primary due to when the chk acct was open it was per my secured card so they used my tax Id numb Vs my ssn already on file with XXXX other cards in place. I had sent all my docs requested and after 21 days, XXXX still waiting for my funds to be released! I got so irate I asked a sup and they gave me access to some funds from the {$1300.00} balance. Now on XX/XX/XXXX XXXX  I sent docs still not updated again on XXXX XXXX and XX/XX/XXXX my docs were sent again plus my ID per the fraud team today who called me to verify me, then hung up! Last week, XXXX  an XXXX spoken person called and asked for my personal information. I declined and was unsure who he was. 
As of last week, I am BLOCKED from downloading the app again, cant get in says see cap one issue. I went to the ATM still msg read UNAVAILABLE. This is insane and ludicrous. So many ppl have touched my acct someone has blocked everything to where when I call this week they said that my chk and sav acct is not found! XXXX transfer me straight to fraud now, which Ive already uploaded my ID and XXXX my middle name on the phone call. What more do these people want from me. I am who I say I am. Plus, I hold a XXXX card which cap one manage and a I have a normal cap one card which, I had to use while they continue to hold my money. I was able to get out {$200.00} at a time at an atm per the sup who had to lift my acct and placed the hold back on. I still have {$440.00} est left in the chk to get out. I said that Ill inform ftc per bad business and practices while they state that theyre protecting my account. # help capital one seem like bad company. I said that Ill canx my chk as I do not need it once I get access again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc
State: MA

Complaint narrative:
I am writing to demand the immediate removal of two fraudulent accounts being reported under my name by Affirm , Inc. to XXXX, XXXX and XXXX. These accounts were not opened, authorized, or used by me, and I have never received any valid notification, agreement, billing statement, or account communication from your company. The presence of these accounts on my credit reports is not only inaccurate, it is legally indefensible and constitutes a violation of multiple federal and state laws. 

The two accounts in question are as follows : ( 1 ) an Affirm account ending in XXXX, opened on XX/XX/XXXX, with an original balance of {$290.00} and a {$100.00} write-off after being charged off and sent to collections in XX/XX/XXXX ; and ( 2 ) an Affirm account ending in XXXX, opened on XX/XX/XXXX, with an original balance of {$520.00} and a {$570.00} charge-off recorded in XX/XX/XXXX. I unequivocally state that I did not open these accounts and have never had any financial relationship with Affirm. Any reporting to the contrary is false, harmful, and without legal basis. 

Your continued reporting of these fraudulent accounts constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( b ), which requires that a data furnisher conduct a reasonable investigation when a consumer disputes information and promptly delete or correct any unverifiable or inaccurate data. You are also in violation of 15 U.S.C. 1681i, which mandates that disputed information must be verified within 30 days or be removed. Furthermore, your company is in breach of 15 U.S.C. 1681b, which governs permissible purposes for accessing or furnishing credit informationno such permissible purpose exists when the underlying account was never authorized.

In addition to the federal violations, I remind you that under Massachusetts Regulation 940 CMR 7.00, it is considered an unfair or deceptive act to report or attempt to collect on debts that have not been validated or that are not attributable to the consumer. Reporting false information to the credit bureaus, especially after being notified of its inaccuracy, is a textbook example of this kind of unlawful behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I HAVE NUMEROUS INCORRECT NAME VARIETIES, ADDRESSES, AND PHONE NUMBERS THAT ARE NOT MINE NOR BELONG TO ME. 
FRAUDULENT NAMES : XXXX XXXX XXXX, XXXX, XXXX XXXX FRAUDULENT ADDRESSES : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX LA XXXX, CA XXXX MY ONLY AND LEGAL NAME IS XXXX XXXX XXXX MY CURRENT AND VALID ADDRESS IS XXXX XXXX XXXX  XXXX XXXX CA XXXX MY CURRENT AND ONLY PHONE NUMBER IS ( 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 2025-05-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: MA

Complaint narrative:
I am writing to formally dispute a debt in the amount of {$100.00} that you have reported to the credit bureaus under my name, allegedly on behalf of XXXX ( XXXX ). 

I opened a complaint with the Federal Communications Commission ( FCC ) regarding this issue. In response, I was contacted by XXXX XXXX XXXX XXXXXXXX Executive Customer Relations on XX/XX/year>, who confirmed this debt was a mistake on their part. XXXX has provided me with case number XXXX, and XXXX assured me that my account is in good standing and has been credited back to XXXX. Therefore, this debt is invalid and should not be reported to or maintained by any credit bureau. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, credit reporting agencies and furnishers of information are required to report only accurate and verifiable information. Continuing to report a debt that has been acknowledged by the original creditor as an error violates this law. 

Additionally, as a resident of Massachusetts, I am protected under the Massachusetts Consumer Protection Act ( M.G.L. Chapter 93A ), which prohibits unfair or deceptive practices in the conduct of trade or commerce. Reporting a known inaccurate debt falls under such prohibited practices and may be subject to legal consequences.

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 2025-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: InDebted Corporation
State: IL

Complaint narrative:
In XXXX I had email communications with XXXX regarding a payment plan. I made the first payment installment but the merchant was still very unprofessional with shipping time frames so I stopped making payment and I received no product. Now, despite knowing this, XXXX  has sent my account to a debt collector who has now begun emailing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp.
State: NJ

Complaint narrative:
I paid off my XXXX account in full on XX/XX/year>, through their collection agency TrueAccord. The company confirmed that the balance was {$0.00} and that no further collection attempts would be made. 

However, since then, Ive received multiple new collection notices from TrueAccord for different XXXX account numbers, all claiming I owe new balances. These appear to be duplicate or recycled debts, even though I already paid and have confirmation of full settlement. 

I contacted XXXX and TrueAccord multiple times, asking for an explanation and validation of the new balances. They failed to provide clear answers and continue to send new notices tied to different account numbers. I also requested that XXXX delete my account and correct any inaccurate credit reporting they refused. 

I am requesting an investigation into these repeated collection attempts, a refund of any duplicate payments, and deletion or correction of all affected accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: NC

Complaint narrative:
On XX/XX/2025, I received a scam phone call from someone spoofing the number of my bank XXXX XXXX XXXX XXXX XXXX ). I was told my account had been compromised, and I was manipulated into transferring my entire checking balance $ XXXX XXXX and then to a temporary safe card they claimed would protect the funds. 

The card used was a prepaid XXXX issued by Chime or XXXX XXXX with : First 4 digits : XXXX Last 4 digits : XXXX After realizing I was scammed, I contacted Chime immediately. I attempted to report the fraud and asked that the card be flagged, the account frozen, and that the case be escalated to their fraud or legal department. The representative refused to allow me to provide transaction details, told me they only support cardholders ( even though this involved a crime ), and then hung up on me. 

I also contacted XXXX and am filing a police report, an FTC report, and have a pending dispute with my bank. This is a serious issue of fraud, and ChimeXXXX XXXX to accept a fraud report or escalate the case shows clear negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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 am writing to request the immediate investigation and removal of unauthorized accounts appearing on my credit report. I did not open or approve these accounts, and I am unfamiliar with their source. As provided under USC 1681g, I formally request that they be deleted within 15 days. Enclosed are relevant documents for your review. It is also important to note that conflicting and inaccurate account data is being reported to each bureau.

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 2025-05-16 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-05-16 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: GA

Complaint narrative:
I'm contacting you because theres an account showing up on my credit report that Ive never seen before and have absolutely no connection to. I didnt open it, Ive never authorized it, and I have no idea how or why its showing under my name. Simply put this account is not mine. 

I take my credit very seriously, and I check my reports regularly. This isnt just a small error its a serious misrepresentation of my credit profile. I need this mixed or incorrect data completely deleted from my credit report as soon as possible.

Company response to consumer: Closed with explanation