vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-21 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: UT

Complaint narrative:
I had a check loan from my XXXX for {$2900.00} sent to me. Due to it being an emergency, I requested it by 2 day mail ( which cost me an additional {$50.00} ) and deposited it to my Chime checking account on XX/XX/25. Chime member services told me it would take 5 days to receive the funds and my money still has not been deposited to my account. Upon calling Chime after 5 days, they then told me it would be XXXX " Business '' days and the money would be available XX/XX/25. My money is still not available. I called Chime again and they indicated that it's now going to be XX/XX/25. This has caused late fees, my utilities issues, amongst other problems. In addition to filing this complaint, I've also contacted an attorney, and my state bank XXXX XXXX XXXX XXXX XXXX XXXX in an attempt for this to be resolved swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: AR

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-10-21 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXXXXXX XXXX XXXX  - Account Number : XXXX, Date Opened : XXXX, Balance : XXXX XXXX XXXX XXXX  Account Number : XXXX, Date Opened : XXXX, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
Dear Midland Credit Management Fraud Department, I am writing to formally dispute and report a credit card account that was fraudulently opened in my name with Destiny Credit. I am a victim of identity theft and am not responsible for any activity, charges, or balances related to this account. 

In XX/XX/year>, I discovered that an account had been opened in my name without my knowledge or authorization. Upon learning of this, I immediately filed an identity theft report with the proper authorities and have been taking steps to correct the damage done to my credit profile. 

Under the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ), I am not legally liable for debts resulting from identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: MI

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : XXXX XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: VA

Complaint narrative:
A background check was completed on XX/XX/XXXX, and XXXX additional reports were conducted by XXXX other companies, which also listed the same inaccurate charge from XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have contacted the South Carolina Law Division and investigative departments to verify this charge and have been advised by the state of South Carolina that this information is, in fact, correct, and they have no known knowledge of the said charges belonging to me. They also advised me to request a copy of my background check and submit it to First Advantage Background Reporting Agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am filing a complaint against Experian for willfully failing to conduct a proper investigation into my mailed dispute concerning inaccurate information on my credit report. 
On XX/XX/year>, I mailed a formal dispute letter to Experian via XXXX XXXX Mail ( Tracking # XXXX ). The letter included copies of my government-issued photo ID, Social Security card , and a recent utility bill to verify my identity and address. In that correspondence, I requested an investigation into the inaccurate items and the correction of erroneous personal information appearing on my credit file.

According to USPS tracking records, Experian received my dispute on XX/XX/year>. However, instead of investigating the matter as required under the Fair Credit Reporting Act ( FCRA ), Experian sent me an email dated XX/XX/year> stating : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. 
This response is unacceptable and appears to be a deliberate attempt to avoid compliance with the FCRA. My dispute was sent directly by me, with complete identity and address verification enclosed. Experians refusal to conduct a reinvestigation despite confirmed receipt and proper identification constitutes a willful violation of federal law. 

Attached are copies of my dispute letter, XXXX proof of delivery, and Experians response.

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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-10-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Net Pay Advance, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I discovered an inquiry on my XXXX  report initiated by XXXX XXXX, a part of XXXX, on behalf of Net Pay Advance. I did not apply for any loan or service with Net Pay Advance, nor did I authorize this inquiry. This indicates a fraudulent payday loan was opened using my personal information without my knowledge or consent due to identity theft.

I attempted to contact Net Pay Advance by phone at XXXX to report this fraudulent activity and reach their fraud department, but I was unsuccessful in getting assistance or resolving the issue through their customer service channels. 

I am currently attempting to file an official Identity Theft Report with the Federal Trade Commission, but their website IdentityTheft.gov is unavailable due to the ongoing government shutdown ( to verify this please go to https : //www.identitytheft.gov/ and see the provided message at the top ), hindering my ability to provide standard documentation at this time. This loan is entirely fraudulent, and I am the victim of identity theft. 

I have attached my full XXXX  report. The fraudulent inquiry from Net Pay Advance can be seen at the top of Page 3 of the attached report. I have also attached the alert that I received from a service I subscribe to called " XXXX XXXX  that initially notified me of the fraudulent inquiry on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: CO

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: AL

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
During a XXXX XXXX timeshare presentation in Nevada, I was told I was signing up for their rewards membership to receive email updates. I clearly stated I did not want a hard credit check or anything that could affect my credit score. I was never told this was a credit card application. Later, I discovered a Barclays credit card account was opened in my name without my informed consent. This is deceptive and unauthorized.

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 2025-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> } a company tried to debit some money that I didn't owe. Instead of contacting me to verify the charges they put a hold on the account limiting any charges that only the clowns with the fraud would approve, NOT ME BUT THE FRAUD IDIOTS HAD THE OK TO ACCEPT THE CHARGE and for over a year they would decide what was accepted and what was not. 
They never contacted me about the same attempt to charge {$110.00} to my card, but I was never contacted and asked about that and others. 
I was never contacted about any charges they considered fraudulant and went about their standard practices in trying to get an unwanted charge paid. 
I'm running into alot of charges that there is no records as to whom the money was going to!?! 
They pulled the same kind of XXXX XXXX XXXX XXXX XXXX XXXXtead of contaacting me directly the fraud crew proceeded to get my XXXX score to drop from XXXX, to the mid XXXX and as old as I am I XXXX never be able to work my way to an acceptable score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS XXXX XXXX XXXX  Account Number : XXXX, Date Opened : XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: NV

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
iam writing this letter asking that the following address be reported on may Equifax and TransUnion credit report 's : XXXX XXXX XXXX, XXXX XXXX, IN XXXX. 
I will be supplying the proper documentation to support my request to add the following address above. 
I still would like to keep my main address as 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 non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Automated Collection Services, Inc.
State: IN

Complaint narrative:
XX/XX/XXXX debt collector called me to tell me they were a collection agency and that I owed money on a debt from an apartment complex. I disputed this debt and told them that I have a final statement invoice from the apartment complex indicating that we were paid in full, with a balance of {$0.00}, dated XX/XX/XXXX. They said they would contact the apartment. 

XX/XX/XXXX XXXX collector Called me again to say they spoke with the apartment and got an updated invoice and that I owed this debt and they had the invoice. I again told them that this could not be possible as I have a final statement from the apartment and have not received any statement of debt from either this alleged debt collection agency nor from my old apartment complex. They then continued to say that I needed to pay this immediately as this debt would hit my XXXX XXXX next week. I asked them to send me the invoice they have as I still have not seen it. They said they would send it. I never received anything from them. 
After getting off the call with this debt collector, I immediately called the apartment complex and asked them about this alleged debt, they told me that there seemed to be some kind of discrepancy and asked me to forward the email in which I received the final statement balance from the apartment and that he would forward that on to the XXXX of the complex to resolve. I asked them to contact the debt collector as this seems to be a bigger issue, they said they would get back with me. They never did. 

XX/XX/XXXX I called the apartment complex to ask if they had received the XXXX email and if they had any updates to this alleged debt. They said they did receive the email and no there were no updates. I would get a call from XXXX when there is. 

XX/XX/XXXX XXXX agency called again to ask if I was going to pay the debt. I told them I still have yet to see any validation of this alleged debt. No letters, no emails, nothing. Furthermore, I told her that the apartment complex told me that they saw discrepancies and were looking into this alleged debt. I gave her the names and dates and offered to fwd the emails to her as proof. This seemed to set off the debt collector, she was extremely rude and berating, calling me stupid and asking if I did not understand how renting works and what debt is. Threatened me again with this alleged debt indicating it would hit my XXXX XXXX today or tomorrow. I told her I refused to pay a debt I still have yet to see and her threatening me with my XXXX XXXX when not even showing me the amount of alleged debt that I owe was not going to work.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
I'm trying to set up a pay pal account, I was looking for any open accounts as well so I put in my information and then it shows I have an open acct. with a credit card. I only had one credit card in my life so it must be fraudulent. So they denied me access, until I gave them enough informed they could not deny me. Then they denied me access because they said the account was mine but the card in it was not. So they wanted close it I said to freeze it I said no put a freeze on it and a fraud alert/report. They denied that. The company is PAYPAL.

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