vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
To Whom It May Concern : I am writing to notify you that I dispute the validity and ownership of the alleged debt you are reporting to the consumer reporting agencies. This letter constitutes a formal request for full validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and a dispute of inaccurate credit reporting under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i & 1681s-2. This alleged debt appears on my credit report, yet I have not received any prior written notice or sufficient information to determine whether this debt belongs to me. Accordingly, I request that you provide the following required documentation : Required Validation Documents Proof that you are legally authorized to collect this specific debt, including chain of title/assignment from the original creditor. A complete payment history, starting with the original creditor, showing how the amount you claim was calculated. A copy of the original signed contract or agreement bearing my signature. The name and address of the original creditor, as required by 15 U.S.C. 1692g ( a ). Proof of ownership or transfer of the debt to your agency. Itemized breakdown of the alleged balance ( principal, interest, fees ). A copy of any judgment, if applicable. Your license numbers and registered agent information in my state, showing you are legally permitted to collect here. Cease Reporting Until Validation Is Provided Per federal law, you must cease collection efforts and stop reporting this account to any credit bureau until proper validation is provided. If you can not validate this debt, you are required to : Immediately delete the account from all credit bureaus, and Notify me in writing that the account has been removed. Notice of FCRA Compliance Requirement If you verify or continue reporting inaccurate or unvalidated information to any consumer reporting agency, it will constitute : Willful noncompliance with FCRA 1681n Negligent noncompliance under FCRA 1681o I will not hesitate to escalate the matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my state Attorney General, and pursuing legal remedies if necessary. Response Requirement Under FDCPA, you must provide validation within 30 days of receiving this letter. Until you comply, all collection activity, including reporting and updating information with credit bureaus, must stop. Please send all responses to my address listed above. Thank you for your prompt attention.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: AR

Complaint narrative:
I am submitting this letter as my second formal dispute regarding multiple inaccuracies appearing on my Equifax, Experian and TransUnion credit report. Upon careful review, I have identified several serious errors, including an inaccurate address, misreported account statuses, charge-offs with incorrect balances, and hard inquiries that were either unauthorized or inaccurately recorded. These discrepancies materially misrepresent my creditworthiness and violate the Fair Credit Reporting Act, specifically 607 ( b ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ), which require that all information reported be accurate, complete, and verifiable. 
XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-26 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: AR

Complaint narrative:
I am submitting this letter as my second formal dispute regarding multiple inaccuracies appearing on my Equifax, Experian and TransUnion credit report. Upon careful review, I have identified several serious errors, including an inaccurate address, misreported account statuses, charge-offs with incorrect balances, and hard inquiries that were either unauthorized or inaccurately recorded. These discrepancies materially misrepresent my creditworthiness and violate the Fair Credit Reporting Act, specifically 607 ( b ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ), which require that all information reported be accurate, complete, and verifiable. 
XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-26 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:
I am submitting this as my second formal dispute regarding multiple inaccuracies appearing on my Equifax and TransUnion credit report. Upon a detailed review of my credit file, I have identified discrepancies involving both personal identifying information and the reporting of account status that are materially inaccurate and require immediate correction under the Fair Credit Reporting Act ( FCRA ) 607 ( b ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ). These inaccuracies misrepresent my creditworthiness and may negatively impact my ability to access credit under fair and accurate terms.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-11-26 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: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
To Whom It May Concern, My consumer file is still carrying false and unverifiable information even after prior disputes, which violates my rights under the FCRA. This error have harmed my creditworthiness and must be corrected immediately under 15 U.S.C. 1681e ( b ), 1681i ( a ), and 1681c.

ADDRESS XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX I have never lived at or used this address, and it has no link to my identity. Keeping it on my file violates accuracy obligations under 15 USC 1681e ( b ) and reinvestigation duties under 15 USC 1681i. You must delete it immediately. 

This item is not mine and can not be verified. Federal law requires accurate reporting and deletion of unverifiable data, and I am demanding immediate correction and compliance with all applicable FCRA sections listed above.

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 2025-11-26 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
The merchant submitted forged contract documents to American Express, including a fraudulent cancellation policy page labeled XXXX XX/XX/year> XXXX XXXX. This page was not part of my original contract and contains falsified initials. 

American Express denied my dispute based on this forged page, stating I did not follow cancellation policy, even though no cancellation clause exists in the original contract. 

I provided evidence of fraud, falsified documents, and fabricated email correspondence, but AMEX continues to treat this as a cancellation matter and refuses to escalate to fraud review. 

Arbitration was initiated and acknowledged, but AMEXs assigned counsel ( XXXX XXXX ) is non-responsive. No department will escalate or intervene, and AMEX appears to be intentionally delaying until the XX/XX/XXXX deadline so they can close the case and push the {$46000.00} charge despite documented fraud. 

I am requesting CFPB intervention to ensure American Express properly investigates the forged merchant documentation, reclassifies the case under fraud, and halts billing or collection activity pending resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: OR

Complaint narrative:
On XX/XX/year> I called Chime bank to dispute charges on my acct I didn't make. They told me I would be getting a phone call on the morning of XX/XX/year>XXXX  from a investigative team specialist. On XX/XX/year> at XXXXXXXX XXXX I received a call from Chime it kept cutting in & out & disconnected this happened two more times then another call at XXXXXXXX XXXX had a better connection the person introduced himself as XXXXXXXX XXXX. from Chime. He was supposed to be walking me through the steps on my chime app to fix the charges I complained about. He had me move all my $ to checking acct then put whom he said was his Supervisor XXXX XXXX on the line. She asked me to send her all the $ in my acct which was {$800.00} so she could get my app fixed with the promise it would be put back within 1-3 minutes & that XXXX would stay on the line with me until then. The call immediately disconnected once $ was sent. I tried calling the # which I found out then was not chime back with no answer. I immediately called Chime Bank & explained to them what happened & all they would do is file a dispute which could take 45 days to investigate. Chime was no help at all in trying to get the money back. I was on the phone with them for 3 hours & all they did was switch me from one person to another & put me on hold for several minutes at a time. All they did was filed a dispute for the original charges I had first called about & filed a dispute for the {$800.00} I was scammed out of thinking I was talking to one of their employees. Both disputes were denied on XX/XX/year>. I called them back & they reopened the {$800.00} dispute & denied it again. I believe I was scammed by someone inside Chime

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am submitting this as my second formal dispute regarding multiple inaccuracies appearing on my Equifax, Experian and TransUnion credit report. After reviewing my credit file in detail, I have identified errors in the reporting of late-open accounts that are inconsistent with my documented payment history and misrepresent my creditworthiness. These inaccuracies appear to violate my rights under the Fair Credit Reporting Act ( FCRA ) 607 ( b ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ), which require that all information maintained by a consumer reporting agency be complete, accurate, and verifiable.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-11-26 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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:
I am submitting this follow-up to my prior complaint regarding multiple inaccurately reported items on my credit report, which remain unresolved. The disputed items include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$20000.00} reported by XXXX XXXX ( original creditor XXXX ), XXXX XXXX XXXX XXXX  with a balance of {$320.00} reported by XXXX XXXX ( original creditor XXXX XXXX XXXX  ), XXXX XXXX XXXX XXXX with a balance of {$300.00} reported by XXXX XXXX XXXX ( original creditor XXXX XXXX XXXX XXXX ), XXXXXXXX XXXX XXXX with a balance of {$280.00} reported by XXXX, and multiple inquiries and accounts associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXX/XX/XXXX, and XX/XX/XXXX. Despite my initial dispute, these items remain on my credit report without correction or verification. I am requesting an urgent, thorough reinvestigation of all listed items, and I demand that any account, balance, or inquiry that can not be fully verified be promptly removed from my credit report in compliance with 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 explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint to formally request the removal of certain accounts, inquiries, and charge-offs from my credit report under the Fair Credit Reporting Act ( FCRA ), as they have been incorrectly reported. 
Upon reviewing my credit reports, I found several inaccuracies that I believe are in violation of my rights under the FCRA, specifically under FCRA 607 ( b ), FCRA 611 ( a ), and FCRA 623 ( a ), which state that credit reporting agencies are required to maintain accurate records and correct or remove information that is incomplete, erroneous, or unverifiable.

There are several charge-offs reported under my name, which are inaccurately recorded across Experian, Equifax, and TransUnion. These charge-offs were forgiven by the creditor and should have been reported as " cancelled debt '' on my credit report, accompanied by a 1099-C form, which was not done.Specifically, there is a XXXX XXXX XXXX charge-off , with a balance of {$6300.00}, listed under Experian and TransUnion, and another XXXX XXXX XXXXXXXX entry for {$2000.00} , also listed under Experian and TransUnion, that should both be removed. Additionally, there is a XXXX  charge-off for {$1400.00} reported on Experian and TransUnion, and a third XXXX XXXX XXXXXXXX entry for {$1500.00}, which is reported on both Experian and TransUnion, all of which are incorrectly listed. Furthermore, the XXXX XXXX with a balance of {$11000.00} is listed under Experian, Equifax, and TransUnion, yet this account is not mine, and should also be removed. Lastly, two XXXX entries both with balances of {$19000.00} and {$2900.00} are incorrectly reported under Experian, Equifax, and TransUnion and must be deleted.Under FCRA 605 ( c ), creditors are required to report debt that has been forgiven as cancelled in the same manner as they report the original debt. Since these accounts have been charged off and 1099-C forms should have been issued to reflect this cancellation, I request the immediate removal of these items from my credit report.In addition, there is an unauthorized inquiry from XXXX XXXX XXXX XXXX XXXX XXXX which is listed under Experian. This inquiry was never authorized and therefore violates FCRA 604. As such, it must be removed immediately, as it was not the result of a legitimate credit application or transaction.These inaccuracies violate my rights under the FCRA and must be remove.

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 2025-11-26 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: NC

Complaint narrative:
I hope this message finds you well. I am reaching out to follow up on the correspondence I previously sent regarding an accounts that reflects a late payment. Upon reviewing my credit report, I noted an entry indicating a late payment, and I am writing to request that Experian, Equifax, and TransUnion credit bureaus correct this error promptly. It is imperative that these accounts be accurately represented on my credit report to ensure the integrity of my financial profile. Therefore, I kindly ask for your assistance in rectifying this matter. Below, I have outlined the specific details of the accounts that require 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-26 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: GA

Complaint narrative:
Dear Equifax This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed an FTC complaint ( # XXXX ), which is attached. There are accounts on my report which do not belong to me. These accounts are hindering me from obtaining new credit and thus causing me much hardship. 
I am 100 % willing to work with the credit bureaus and authorities to resolve this matter as soon as possible. I will be following up with your agency to ensure everything is being done to remove these fraudulent accounts from my report. Please be aware all required documentation is within this packet and has been mailed to your agency. 
I demand the following fraudulent accounts and Inquiries be DELETED from my credit report immediately. 
1. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report XXXX XXXX XXXX Account Number : XXXX I am writing to formally request the removal of an account that I believe contains misleading and false information, as outlined in the FTC filing. This account violates FDCPA Section 807. Please delete it from my credit report ; otherwise, I will consider pursuing legal action.

2. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report XXXX XXXX XXXX Account Number : XXXX I am writing to formally request the removal of an account that I believe contains misleading and false information, as outlined in the FTC filing. This account violates FDCPA Section 807. Please delete it from my credit report ; otherwise, I will consider pursuing legal action. 
3. The inquiry was not authorized XXXX Account Number : XXXX I formally request the immediate removal of these transactions from my report as they violate my rights as a federally protected consumer under Title 15 Chapter 41 specifically 15 U.S. Code 1681n and 15 U.S. Code 1681a ( 2 ) ( B ).

Please block and/or remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt

Company response to consumer: Closed with explanation