vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: OK

Complaint narrative:
On XX/XX/year> an unauthorized account was fraudulently opened with Chime Bank associated with my full name and social security number. I contacted Chime Bank via phone and they confirmed an account was opened with my first and last name and social security number. Chime Bank confirmed they closed the account without marking it as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: CA

Complaint narrative:
I am writing to formally dispute and request the investigation and correction or removal of the following item on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), Section 611 [ 15 U.S.C. 1681i ]. 

The account in question is with XXXX XXXX XXXX XXXX, originally opened on XX/XX/XXXX, with a highest balance of {$36000.00}. It is currently reported as a Profit and Loss Write-Off / Charge-Off, and was closed on XX/XX/XXXX. Although the status indicates a charge-off, the reported balance is {$0.00}, and there is no clear explanation of whether the debt was settled, paid, or transferred to another entity.

I am requesting the following under the FCRA : 1. Verification of the accuracy and completeness of this account with the original creditor.

2. Clarification of whether this debt was settled or sold, and if sold, to whom.

3. Removal or update of the charge-off status if it can not be verified, per FCRA 1681i ( a ) ( 5 ).

4. Notification of results within the legally required 30-day period, as required by FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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 am writing to formally dispute and request the investigation and correction or removal of the following item on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), Section 611 [ 15 U.S.C. 1681i ]. 

The account in question is with XXXX XXXX XXXX XXXX, originally opened on XX/XX/XXXX, with a highest balance of {$36000.00}. It is currently reported as a Profit and Loss Write-Off / Charge-Off, and was closed on XX/XX/XXXX. Although the status indicates a charge-off, the reported balance is {$0.00}, and there is no clear explanation of whether the debt was settled, paid, or transferred to another entity.

I am requesting the following under the FCRA : 1. Verification of the accuracy and completeness of this account with the original creditor.

2. Clarification of whether this debt was settled or sold, and if sold, to whom.

3. Removal or update of the charge-off status if it can not be verified, per FCRA 1681i ( a ) ( 5 ).

4. Notification of results within the legally required 30-day period, as required by FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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 CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information 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 XXXX XXXXXX/XX/XXXX, Balance : {$370.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$1000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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:
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 XXXX 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Subject : Demand for Addition of Missing Credit Account - FCRA Dispute To the TransUnion Dispute Department, This is a formal dispute under the FCRA, 1681i ( a ). I've identified that a tradeline under my name is missing from your records, which results in an inaccurate and incomplete credit file. 

[ CUSTOMER NAME : XXXX XXXX XXXX ] XXXX ( Last XXXX digits ) : [ XXXX ] XXXX : [ XX/XX/XXXX ] The following account is missing and should be reported immediately. Please see details below and see attachment of the previously deleted account and add accordingly : ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT TYPE : Credit Card DATE OPENED : XX/XX/XXXX OPEN/CLOSED : Open STATUS : Open/Never Late. 

CREDIT LIMIT : {$20000.00} As required under FCRA 611, I am requesting this be investigated and reported immediately. If this is not corrected within the 30-day period, I will file a complaint with the CFPB and my state Attorney General 's office. 

Sincerely, [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX, XXXX, GA 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 2025-07-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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:
I have no knowledge of these inquiries, and they appear to be unauthorized. I request that immediate steps be taken to rectify this situation. Relevant documents are attached for your review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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:
Please delete these unauthorized accounts from my credit report, as I neither approved their creation nor was aware of them. Per USC 1681g, I request their removal within XXXX  days. Attached are supporting documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
A federal education loan was fraudulently opened in my name. I filed an FTC Identity Theft Report, a DOE Loan Forgery Discharge Application, and submitted supporting documents. Despite this, the Department of Education is now requesting a court ruling and multiple notarized documents, which is an excessive and unreasonable burden. Under 15 U.S. Code 1681c-2 ( FCRA Section 605B ), I have the right to block this information from my credit file once I provide an identity theft affidavit. I am being treated as guilty until proven innocent. DOE should not require a court judgment to validate what they are responsible for investigating. I am requesting the CFPB to compel the DOE to remove this fraudulent account and stop collection activity immediately. 

Under 15 U.S. Code 1681c-2, I have submitted a valid Identity Theft Report through the FTC, which legally obligates you to block the fraudulent loan information from all credit reporting and collection activity unless you can prove its validity. I am not required to provide a court ruling or further documentation beyond what federal law requires. Additionally, under the Fair Debt Collection Practices Act ( 15 U.S. Code 1692 ), you must cease all collection efforts while this debt is in dispute. Your continued demands and threats of garnishment and litigation while ignoring my identity theft claim constitute a violation of federal law. I expect immediate confirmation that this matter is being handled in full compliance with my legal rights. I will not tolerate further intimidation or delay.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-18 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: GA

Complaint narrative:
CFPB Complaint Summary XXXX. What happened? 
I submitted multiple disputes to XXXX Experian / Equifax XXXX TransUnion regarding inaccurate and fraudulent information on my credit report. I also provided supporting documentation, including an FTC identity theft report, police report, and proof of identity and address. Despite my request for a manual reinvestigation and a formal Method of Verification ( MOV ), the credit bureau failed to conduct a proper investigation. I also requested the removal of outdated personal information and fraudulent accounts stemming from identity theft and data breaches, but they failed to comply. 
Furthermore, I filed identity theft reports and submitted them in accordance with FCRA 605B, which requires blocking of fraudulent data within XXXX business days. These fraudulent accounts are still being reported, and I have not received adequate responses or verification. This agency appears to have relied on automated systems ( such as e-OSCAR ) without properly reviewing the documentation I submitted. 
I continue to receive alerts regarding unauthorized changes of address and dark web exposures of my personal data, which further supports the urgency of my case. 
XXXX. What do you believe is the issue? 
Credit reporting company failed to investigate a dispute Continued reporting of information that was not verified Failure to block fraudulent information after identity theft report Failure to update personal information ( address, name, etc. ) Did not provide requested Method of Verification Did not respond in a timely or complete manner

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: VA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
I called because XXXX of the signers in the loan was affected by the recent floods in the XXXX XXXX and its in the hospital and they denied the so called disaster assistance based on a robot. They are offering fake assistance. Im stuck with having to make my own car payments and XXXX loan which is the responsibility for the person in the hospital.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: IL

Complaint narrative:
I am formally disputing the presence of unauthorized accounts reported under my name. I did not open, authorize, or manage these accounts, and their inclusion in my credit report is both false and unacceptable. 
These inaccuracies distort my financial history and compromise the integrity of my credit file. I demand immediate clarification on the origin of these accounts and identification of the reporting party.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: AL

Complaint narrative:
I recently noticed an account on my credit report that is clearly fraudulent. I did not open or authorize this account, and it does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
on XX/XX/XXXX I made a payment I was XXXX delinquent. I have been making my payment like this for the past XXXX  years due to loss of job. On the XXXX I was waiting on a check so I scheduled. The check did not arrive on time, so I scheduled another payment, the check was received and a hold was placed on the check. I had to schedule another payment to get to the timeframe but in doing so that would mean another payment would need to have been made. I called on the XXXX and I paid with my debit card a payment in the amount of XXXX that would cover the XXXX that was XXXX delinquent. Now we are approaching again XXXX  days. I called on the the XXXX and was advised that I was XXXX  days and that is because the last check has not returned yet. Had it returned I would have been XXXX days. Which means I had at least XXXX more days to make my payment before it would have been charged off. XXXX XXXX 's agent advised me that I could pay XXXX and it would clear the payment. What I learned today that it didn't. They applied the payment but not to the due date. I filed a XXXX  complaint and was reached out to by XXXX who stated that although the agent told me the wrong amount the agent tried to call which I did not receive a call or voicemail expressing that payment needed to be corrected. I was told she could not reverse the payment and although the agent made a mistake I need to still pay to bring the account under XXXX  days. I mind you I have already done that when I paid the XXXX.. I should only be scheduling my next payment which would be approaching next week. I want for XXXX XXXX to explain how if I was XXXX delinquent in XXXX and made XXXX payments in XXXX XXXX that covered the return for the first XXXX  days and the other to cover the XXXX ( XX/XX/year> when I paid technically ) how am I over XXXX  days? XX/XX/year> isnt here yet. They have admitted to the error and I Was advised that I am required to pay XXXX to bring my loan under XXXX  days when I already paid it XX/XX/XXXX. They have reported my account as a charge off which resulted in me not getting a job. This is because their agent told me the wrong payment amount. I am also seeking an attorney.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I discovered that both XXXX and LVNV Funding are reporting the same charged-off debt on my credit report, resulting in duplicate entries. I formally disputed this issue and requested documentation proving that these are separate debts with distinct contracts. XXXX XXXX XXXX provide the requested validation or proof. This duplicate reporting violates 15 U.S.C. 1681e ( b ) and 1681i ( a ), and unfairly harms my credit score. I am requesting immediate deletion of the duplicate XXXX account unless they can provide evidence that these are separate debts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Several companies have unlawfully accessed my credit report, causing direct and substantial harm to both my credit standing and credit score. I previously contacted your agency regarding these unauthorized inquiries and received a clear assurance from your representative that they would be removed. That commitment has not been honored. These inquiries remain, and your agencys continued failure to act is unacceptable. 
The ongoing presence of these questionable entries raises serious concerns of potential identity theft and constitutes a significant breach of my personal and financial security. Your inaction has resulted in continued financial harm and emotional distress.

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