vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: CBC Companies, Inc.
State: PA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX | XXXX : XXXX TransUnion Consumer Solutions P.O XXXX XXXX XXXX XXXX, PA XXXX Dear Transunion, My name is XXXX XXXX and I'm Begging for your help, I'm NOT A COMPANY! 
You should have more than enough time to remove these inaccurate accounts from my credit report! Stop ignoring my disputes I need real help!! I request to remove inaccurate, incomplete, misleading, unverifiable, or obsolete info and must be deleted or fully validated on my credit report as quickly as possible under the Fair Credit Reporting Act ( FCRA XXXX, XXXX, XXXX ) and the Fair Debt Collection Practices Act ( FDCPA XXXX ).. The items are : XXXX XXXX XXXX XXXX XXXX XXXXXXXX | Collection/Chargeoff | Balance {$830.00} | Derogatory * * XXXX XXXX XXXX XXXX XXXXXXXX | Collection/Chargeoff | Balance {$520.00} | Derogatory * * Credit Coll Acct XXXX XXXXXXXX | Collection/Chargeoff | Balance {$280.00} | Derogatory * * You are hereby notified that I dispute these debts in entirety. Until you provide complete validation, you must cease all collection activity, including reporting this account to any credit bureau. 

Please provide the following within XXXX  days : XXXX. XXXX signed contract or agreement showing I am legally obligated. 
XXXX. Full itemized accounting of the debt ( all charges, payments, interest, fees ). 
XXXX. Proof of assignment or ownership of the debt ( chain of title from the original creditor through every transfer ). 
XXXX. Name and address of the original creditor, if different from your agency. 
XXXX. Proof of your license/authorization to collect debts in my state. 
XXXX. Proof of accuracy in credit reporting, including the method of verification you used to furnish data to TransUnion, XXXX XXXX XXXX 

If you can not fully validate each account Immediately delete all references to each account from all credit reports. Cease collection activity permanently. Failure to comply will result in formal complaints with the CFPB, FTC, and XXXX Attorney General. 

Sincerely, 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 2025-08-27 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/year> XXXX online banking money transfer via XXXX XXXX occurred with my personal account in the amount of {$50.00} and another on my XXXX XXXX account for {$2700.00}. These transaction was not approve or authorized by me, the bank did call me to verify about these transactions and I decline the approval. 
Even after speaking to the bank representative that I don't recognize the name of the person to who the money went to, they still process that transaction. On my statement the money was withdrawn without my approval. 
I made my complaint with Chase bank, spoke to the supervisor so they created a claim, but only after XXXX  days they call me back and stated there is nothing they could do for me. 
I requested the phone conversation on the day I replied to them that I did not recognize the transaction but they were not willing to give that to me. 
I spoke to the branch XXXX, and she just told me if I don't like the way things are then move to another bank! So they didn't do anything to remedy this fraudulent activity and I have to lose out on the money from my account. XXXX taken out of {$2800.00} of my XXXX banking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: GA

Complaint narrative:
i lost my card and it was used without my consent i reached out to my bank to dispute these charging and within a few hours they denied my claim. ive been with this bank for XXXX  years and only filed XXXX dispute which they only refunded XXXX. this is an ongoing problem with customers as ive did an investigation and notice this bank refuses to honor its clients. theres no way possible this was investigated in a few hour, impossible

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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:
XXXX requesting a fast review of the late payment listed, as it does not align with my consistent on-time payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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:
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 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 2025-08-27 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: CA

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 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 2025-08-27 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: TX

Complaint narrative:
Sent in papers showing that XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, and XXXX showing that it was paid in full. Still NO response!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Paramount GR Holdings, LLC
State: FL

Complaint narrative:
CFPB Complaint XXXX XXXXXXXX Rebuttal Response to GoodLeap ( XX/XX/XXXX ) I respectfully reject GoodLeaps response for the following reasons : System Remains Inoperable After XXXX  Years My solar system has never been activated since installation began in XXXX. Despite XXXX assurances, the system remains non-functional, unpermitted, and incomplete. 

False Narrative on Florida XXXX XXXX ( XXXX  ) GoodLeap claims they intervened and assigned XXXX to complete the project. This is misleading. I have documented communications with XXXX dating back to XXXX, showing repeated failed inspections, removal of panels, expired permits, and unfulfilled promises. This directly contradicts XXXX representation that XXXX was newly brought in. 

Loan Purpose Misrepresented XXXX statement that the loan is solely for the equipment purchased is deceptive. The loan was marketed and sold as financing a complete, operational solar energy system. Providing only equipment without installation or functionality does not satisfy the bargain. 

Unauthorized XXXX XXXX XXXX unilaterally placed my account into payment deferment without my written consent. This is a material change to the credit agreement and an unfair practice. 

XXXX XXXX XXXX XXXX states they are required to accurately report to XXXX. However, under the Fair Credit Reporting Act, they are obligated to note that this account is in dispute. Their failure to do so creates an inaccurate and harmful credit record.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have no responsibility for the accounts listed. They were opened without my consent, and I request their deletion under XXXX XXXX within XXXX  days. Supporting files are enclosed.

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 2025-08-27 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: AZ

Complaint narrative:
I am not demanding verification nor validation of any of these accounts. These accounts listed XXXX be removed. 

I am demanding that the credit reporting agency do what is fair and XXXX. I will move for a complaint for small claims for default judgment due to your violations. Per XXXX XXXX Code XXXX, the credit reporting agency SHALL remove any account I identify as alleged identity theft, and the accounts that SHALL be removed. 

LATE PAYMENT XXXX XXXX XXXX a creditor XXXX not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose FDCPA XXXX False misleading information FDCPA XXXX furnishing deceptive forms must remove late payments under XXXX  XXXX XXXX I believe the late payments for this are reportinginaccurately.

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 2025-08-27 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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 XXXX pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) 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 explanation
Consumer complaint received 2025-08-27 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: IL

Complaint narrative:
The letter indicates that there is a disputed account on my credit report, which I claim was not authorized by me. Despite numerous attempts to resolve the issue by requesting validation of the debt, the company in question has failed to provide any satisfactory evidence of the debt 's legitimacy. I assert that I have no legal obligation to pay the alleged debt and have taken steps to address the matter with both the creditor and the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: PA

Complaint narrative:
AMSHER COLLECTION SERV is falsely reporting on my credit. I have never had any accounts with them. Per my research AMSHER COLLECTION SERV is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: CO

Complaint narrative:
I had no involvement in the creation of these accounts. As they are fraudulent, please remove them in accordance with USC 1681g within the 15-day window. Evidence has been included.

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 2025-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I purchased an item from XXXX last year, it was an XXXX XXXX XXXX  and when i was about to pay for the hat at the register there was this credit card where they were offering a special where if i apply, the amount for the XXXX XXXX  will be half, so i applied. i used the credit but ever since then ive been getting fees, and i dont even use the credit card, ive only used the card one time and it was from that initial purchase of that XXXX XXXX XXXX, i am trying to dispute what the amount that has been given to me which is {$350.00} because i can not pay this amount, i do not make a lot of money at my job and i have never used a credit card before so i dont know how it really works.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: AZ

Complaint narrative:
An identity-theft account is being reported/collected by XXXX XXXX XXXX and is damaging my credit. I filed an FTC Identity Theft Report and disputed the account in writing. XXXX has not removed it and the tradeline continues to appear, harming my credit. 
Full narrative : I am a victim of identity theft. A collection account that XXXX XXXX XXXX is reporting for XXXXXXXX XXXX XXXXXXXX XXXX XXXX about {$350.00}, opened XX/XX/XXXX, most recently updated XX/XX/XXXX ) is not mine. I filed an FTC Identity Theft Report ( # XXXX ) and certified under penalty of perjury that the account is fraudulent. I also sent XXXX a written dispute/validation demand. Despite this, XXXX ( or its servicer ) has continued to furnish/collect, which is harming my credit scores and causing denials. 

Laws and duties violated ( summary ) : FCRA 605B ( 15 U.S.C. 1681c-2 ) With an Identity Theft Report, the furnisher/CRA must block identity-theft information from my file.

FCRA 623 ( a ) ( 6 ) & 623 ( b ) Furnisher must not report information it knows is from identity theft and must reasonably investigate and delete unverifiable or identity-theft items after dispute.

FDCPA ( 15 U.S.C. 1692g & 1692e ( 8 ) ) Collector must validate upon request and must not communicate false credit information ; any reporting must reflect the disputed status. 
Metro 2 If XXXX furnishes during a dispute, it must transmit Compliance Condition Code XXXX  and ensure required fields ( e.g., Original Creditor, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) are accurate ; identity-theft items must not be re-aged or misclassified.

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 2025-08-27 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: AZ

Complaint narrative:
An identity-theft account is being reported/collected by XXXX XXXX XXXX and is damaging my credit. I filed an FTC Identity Theft Report and disputed the account in writing. XXXX has not removed it and the tradeline continues to appear, harming my credit. 
Full narrative : I am a victim of identity theft. A collection account that XXXX XXXX XXXX is reporting for XXXX XXXX  XXXX XXXX XXXX about {$350.00}, opened XX/XX/XXXX, most recently updated XX/XX/XXXX ) is not mine. I filed an FTC Identity Theft Report ( # XXXX ) and certified under penalty of perjury that the account is fraudulent. I also sent XXXX a written dispute/validation demand. Despite this, XXXX ( or its servicer ) has continued to furnish/collect, which is harming my credit scores and causing denials. 

Laws and duties violated ( summary ) : FCRA 605B ( 15 U.S.C. 1681c-2 ) With an Identity Theft Report, the furnisher/CRA must block identity-theft information from my file.

FCRA 623 ( a ) ( 6 ) & 623 ( b ) Furnisher must not report information it knows is from identity theft and must reasonably investigate and delete unverifiable or identity-theft items after dispute. 
FDCPA ( 15 U.S.C. 1692g & 1692e ( 8 ) ) Collector must validate upon request and must not communicate false credit information ; any reporting must reflect the disputed status. 
Metro 2 If XXXX furnishes during a dispute, it must transmit Compliance Condition Code XXXX  and ensure required fields ( e.g., Original Creditor, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) are accurate ; identity-theft items must not be re-aged or misclassified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: AR

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 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