vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-30 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: LA

Complaint narrative:
Consumer Name XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account opened at XXXX auto on XX/XX/XXXX under the account number XXXX. These auto accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: LA

Complaint narrative:
Consumer Name XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account opened at XXXX auto on XX/XX/XXXX under the account number XXXX. These auto accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-06-30 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: MN

Complaint narrative:
Im deeply concerned about an unfamiliar inquiry that has appeared on my credit report. I did not apply to this company, nor did I authorize or consent to them accessing my credit information. Im trying to understand how this happened, and its causing me significant stress and 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 2025-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: TX

Complaint narrative:
Chime close my checking account with {$490.00} in it. On XX/XX/year>. I called that day and ask where my remaining balance was they said it was being sent in the mail to me I have called now on XXXX XXXX and they said my money still in my account there that it's going to take 30 days to process them them closing my account before they can mail my check out that is my bill money I explained this to them the day they close my account I need my money and no one seems to be able to help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-30 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: FL

Complaint narrative:
RE : DISPUTE OF INACCURATE CHARGE-OFFS REPORTING REQUEST FOR DELETION Dear Credit Reporting Agency , Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681i, I am formally disputing the accuracy and validity of the following charge-off accounts being reported on my credit file. These accounts are inaccurate, unverifiable, and must be deleted immediately in compliance with federal consumer protection laws.

The following accounts are in violation of FCRA Section 609 ( a ), 611 ( a ), 1681b, and 1681s-2, which require data furnishers and credit reporting agencies to maintain accurate, complete, and verifiable consumer data. Failure to properly verify the completeness and accuracy of an account constitutes negligent and/or willful noncompliance with the FCRA. 

Accounts in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute Summary & Legal Justification : * These charge-offs contain inaccurate and incomplete reporting.

* Under FCRA 1681i, you are required to conduct a reasonable reinvestigation within 30 days. 
* If the furnishers of this information ( XXXX, XXXX ) can not fully validate these accounts with original documentation such as signed contracts and accurate payment history, they must be removed.

* Under FCRA 1681s-2 ( b ), the furnishers must cease reporting unverifiable information.

* 15 U.S.C. 1681b prohibits the reporting of inaccurate information without a permissible purpose.

* According to Metro 2 Compliance, the account must reflect accurate coding such as Compliance Condition Code : XXXX  ( Consumer disputes meets FCRA requirements ) and must be escalated under the Automated Consumer Dispute Verification ( ACDV ) format for proper E-Oscar handling.

Demand for Action : You are required to : 1. Delete all inaccurate charge-off accounts listed above.

2. Provide a revised copy of my credit report reflecting the deletions.

3. Provide the name and contact information of the furnisher ( s ) of this data. 4. Complete your reinvestigation within 30 calendar days from the date of receipt of this notice, per FCRA 611.

Failure to comply with this request may result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ) and possible legal action for noncompliance with federal law. 

Sincerely, [ Your Full Name ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: FL

Complaint narrative:
RE : DISPUTE OF INACCURATE CHARGE-OFFS REPORTING REQUEST FOR DELETION Dear Credit Reporting Agency , Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681i, I am formally disputing the accuracy and validity of the following charge-off accounts being reported on my credit file. These accounts are inaccurate, unverifiable, and must be deleted immediately in compliance with federal consumer protection laws.

The following accounts are in violation of FCRA Section 609 ( a ), 611 ( a ), 1681b, and 1681s-2, which require data furnishers and credit reporting agencies to maintain accurate, complete, and verifiable consumer data. Failure to properly verify the completeness and accuracy of an account constitutes negligent and/or willful noncompliance with the FCRA. 

Accounts in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute Summary & Legal Justification : * These charge-offs contain inaccurate and incomplete reporting.

* Under FCRA 1681i, you are required to conduct a reasonable reinvestigation within 30 days. 
* If the furnishers of this information ( XXXX, XXXX ) can not fully validate these accounts with original documentation such as signed contracts and accurate payment history, they must be removed.

* Under FCRA 1681s-2 ( b ), the furnishers must cease reporting unverifiable information.

* 15 U.S.C. 1681b prohibits the reporting of inaccurate information without a permissible purpose.

* According to Metro 2 Compliance, the account must reflect accurate coding such as Compliance Condition Code : XXXX  ( Consumer disputes meets FCRA requirements ) and must be escalated under the Automated Consumer Dispute Verification ( ACDV ) format for proper E-Oscar handling.

Demand for Action : You are required to : 1. Delete all inaccurate charge-off accounts listed above.

2. Provide a revised copy of my credit report reflecting the deletions.

3. Provide the name and contact information of the furnisher ( s ) of this data. 4. Complete your reinvestigation within 30 calendar days from the date of receipt of this notice, per FCRA 611.

Failure to comply with this request may result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ) and possible legal action for noncompliance with federal law. 

Sincerely, [ Your Full Name ]

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 2025-06-30 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: CA

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

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$6400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$11000.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Southwest Law Offices PC
State: CA

Complaint narrative:
I am writing to file a complaint against Southwest Law Offices, P.C. regarding their debt collection practices. I was contacted by a representative named XXXX XXXX ( extension XXXX, reference number XXXX ) regarding an alleged debt with XXXX. 

During the call ( XXXX XXXX ), I asked for written validation of the debt, as required by the Fair Debt Collection Practices Act. A gentleman I didnt catch his name, refused, stating they do not send XXXX and told me I have limited options because the debt is over a year old. They also pressured me to make immediate payments of {$500.00}, and said I would need to call someone else to get information which I understand violates my right to written validation. The call was then transferred to XXXX XXXX. 

Additionally, XXXX XXXX told me that at my big age of ( XXXX ), I should already know how to handle things, which I found dismissive, condescending, and unprofessional. I explained that I do not have a job and can not afford payments at this time, and they continued to pressure me, making me feel intimidated and anxious about potentially taking funds from my childs savings. 

I am requesting that Southwest Law Offices be investigated for violating consumer protections, including refusal to provide written validation of the debt, using high-pressure tactics, and engaging in unprofessional, harassing behavior. I would like them to be required to provide proper written validation before continuing any collection efforts.

Thank you for your attention to 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 2025-06-30 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX Balance : {$140.00} Open Date XX/XX/year> Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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:
THE ACCOUNTS LISTED DOES NOT RELATED TO ANY TRANSACTIONS DONE BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATED TO ANY TRANSACTIONS DONE BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase restricted and closed my account on XX/XX/XXXX. I saw this and immediately called them to see what I could do to get my money out. Unfortunately, I was told I would have to wait 10 days for my account to close before I would be issued my check. If the account is already closed, let me just withdraw all of my funds? Of course thats not an option. So now Im seeking to expedite the closure process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: IL

Complaint narrative:
They Have 18 Inquiries on My TransUnion Report That Was Not Authorized. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-06-30 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:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX. XXXX XXXX XXXX XXXX XXXX - I demand immediate action under 15 U.S.C. 1681a ( 3 ) due to the fraudulent use of my personal information without consent. This is identity theft and has been reported to the FTC see attached report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), block and remove all fraudulent data from my credit file within 4 business days. 
XXXX. XXXX  XXXX - XXXX - This is a closed account inaccurately reporting negative payment history. I have a positive payment record, and under FCRA 1681e ( b ), you are required to maintain maximum accuracy. I demand immediate correction to reflect a good payment history and prevent further damage to my credit profile. 
XXXX. XXXX XXXX XXXX XXXX - XXXX - I demand immediate action under 15 U.S.C. 1681a ( 3 ) due to the fraudulent use of my personal information without consent. This is identity theft and has been reported to the FTC see attached report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), block and remove all fraudulent data from my credit file within 4 business days. 
XXXX. XXXX XXXX  XXXX - XXXX - I demand immediate action under 15 U.S.C. 1681a ( 3 ) due to the fraudulent use of my personal information without consent. This is identity theft and has been reported to the FTC see attached report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), block and remove all fraudulent data from my credit file within 4 business days. 


These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-06-30 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: PA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX  Balance : {$2000.00}, XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XX/XX/year>, XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-06-30 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: CA

Complaint narrative:
Im writing regarding an account that appears on my credit report which is currently involved in pending litigation. Given the active legal dispute surrounding this account, its continued presence on my credit file is not only inaccurate, but also misleading and premature. 

Until the legal process is resolved, any reporting of this account is incomplete at bestand at worst, a misrepresentation of the situation that could unfairly damage my creditworthiness. The Fair Credit Reporting Act ( FCRA ) clearly mandates that only accurate and fully verifiable information be reported. Reporting an account thats actively tied up in litigation violates both the spirit and the letter of that requirement.

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