vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
XXXX XXXX TransUnion is reporting a XXXX  XXXX bankruptcy with a filing date of XX/XX/year> on my consumer credit report. I have no knowledge of any such filing, and I have not participated in, signed, or been served with any bankruptcy petition or case. 

Further, based on my financial circumstances, I am not eligible for XXXX  XXXX relief under the applicable means test, making the reporting of a XXXX  XXXX filing facially implausible and legally suspect. 

I have reviewed my records and there is no bankruptcy case number, court notice, trustee communication, or docket entry provided by TransUnion to substantiate this reporting. The tradeline appears without proper verification and has caused immediate and ongoing harm to my credit profile. 

Additionally, while TransUnion reflects that adverse tradelines are now closed, the closure dates appear to predate the alleged XX/XX/XXXX filing, raising serious concerns about accuracy, reinsertion, or automated reporting errors. 

Prior to any alleged bankruptcy reporting, I exercised my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) by submitting regulatory validation disputes to the consumer reporting agencies, the CFPB, the FTC, the Illinois Department of Financial and Professional Regulation, and the Illinois Attorney General. It appears these lawful disputesnot a bankruptcymay have led to tradeline changes, yet TransUnion is now inaccurately attributing those changes to a nonexistent XXXX  7 filing.

Under 15 U.S.C. 1681e ( b ) and 1681i, TransUnion has a duty to ensure maximum possible accuracy and to conduct a reasonable reinvestigation. Reporting a bankruptcy without documentary verification, court identification, or consumer knowledge violates these obligations. 

Resolution Requested Immediate deletion of the inaccurately reported XX/XX/XXXX XXXX  XXXX bankruptcy Written confirmation of deletion Disclosure of the method of verification, including : Court name and district Case number Source of information Assurance that this inaccurate bankruptcy will not be reinserted without strict compliance with FCRA 1681i ( a ) ( 5 )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: AL

Complaint narrative:
I am disputing a collection account being reported by IC System for an alleged debt tied to XXXX XXXX. I do not recognize this account, I never initiated service with XXXX XXXX, and I never received any notice, bill, or written communication regarding this alleged debt before it appeared on my credit report. 

I am a documented identity theft victim with multiple instances of compromised personal information already established. This newly reported telecom collection further confirms ongoing misuse of my personal data. The fact that this account was reported without any prior contact, notice, or opportunity to dispute is deceptive and unlawful. 

IC System reported this alleged debt without sending the required initial written notice under 15 U.S.C. 1692g ( a ), failed to verify the accuracy of the information before furnishing it to the credit bureaus in violation of 15 U.S.C. 1681e ( b ), and falsely represented that a valid consumer obligation exists in violation of 15 U.S.C. 1692e.

Under Alabama law, reporting an alleged debt without attempting to contact the consumer or provide notice constitutes a deceptive trade practice. Ala. Code 8-19-5 prohibits false, misleading, or unconscionable acts in commerce, including misrepresenting the existence or legitimacy of an obligation. 

This account was reported first and questioned later, which is not permissible under federal or state law. I have never used XXXX XXXX services, and no validation has been provided to support this collection.

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 2025-12-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
XXXX XXXX XXXX : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date : [ XXXX ] Consumer Financial Protection Bureau Office of the State Attorney General RE : Complaint Against XXXXXXXX XXXX XXXX XXXX XXXXXXXX and Capital One To Whom It May Concern, I am filing this complaint to report violations of the Fair Credit Reporting Act ( FCRA ) by XXXX  XXXX XXXX XXXX XXXX, in connection with an unauthorized hard inquiry resulting from identity theft. 

Unauthorized Inquiry Details : - Creditor : Capital One - Inquiry Date : XX/XX/XXXX - Inquiry Type : Hard Inquiry - Credit Bureau : XXXX  I did not apply for credit with Capital One, nor did I authorize Capital One to access my consumer credit report. This inquiry was made without a permissible purpose, in violation of 15 U.S.C. 1681b.

I disputed this inquiry with XXXX  and notified them that the inquiry was the result of identity theft. Despite this notice, XXXX  failed to block or remove the unauthorized inquiry as required under 15 U.S.C. 1681c-2 and failed to conduct a reasonable investigation under 15 U.S.C. 1681i.

Capital One has also failed to provide any documentation demonstrating permissible purpose, such as a signed application or valid consumer authorization.

Violations include : - Access to consumer report without permissible purpose ( 15 U.S.C. 1681b ) - Failure to reasonably investigate disputed information ( 15 U.S.C. 1681i ) - Failure to block identity theft information ( 15 U.S.C. 1681c-2 ) Requested Resolution : 1. Immediate deletion of the Capital One hard inquiry from my Experian credit file 2. Written confirmation of deletion 3. Confirmation that Capital One did not have permissible purpose 4. Corrected copy of my credit report This inaccurate reporting has caused financial harm and an unjustified reduction in my credit score. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: IL

Complaint narrative:
XX/XX/year> i ordered clothes from XXXX XXXX XXXX which were delivered by XXXX XXXX XXXX XXXX service. the driver XXXX stole my order and i have him on video walking off with my order. i spoke to the police and they have a report number XXXX XXXX Police Department XXXX XXXX. he told me XXXX XXXX  did not want to him with getting information on the driver so he can talk to XXXX to get the package back. i then called XXXX XXXX XXXX  over XXXX times to get this resolved and they are refusing to assist me. chime said they saw no errors in my claim so they cant give me my money back. im severely annoyed and disappointed with both companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc.
State: AL

Complaint narrative:
First Federal Credit Control is reporting a medical collection on my credit report that I do not recognize and do not owe. I have never received medical services from the listed original creditor, XXXX XXXX XXXX, and I never authorized treatment, billing, or disclosure of medical information related to this alleged account. 

This account appeared on my credit report without any prior notice or communication from First Federal Credit Control. I did not receive an initial collection letter, billing statement, phone call, or written notice informing me of the alleged debt or providing an opportunity to dispute it before reporting occurred. 

This is my first dispute of this account. I am submitting this complaint through the CFPB as a direct and timely way to obtain a response and documentation regarding an account that was reported without notice. 

Reporting a collection before providing notice is misleading and harmful. It deprived me of the opportunity to review, dispute, or resolve the matter prior to credit reporting, and resulted in immediate negative credit impact. 

This conduct violates federal and state law. Under the Fair Debt Collection Practices Act, a debt collector must provide proper notice of the debt and the consumers dispute rights. Reporting an alleged debt without first attempting contact or providing notice is an unfair collection practice. 

It also violates the Alabama Deceptive Trade Practices Act, Ala. Code 8-19-5, which prohibits deceptive or misleading practices in consumer transactions. Reporting an alleged obligation without attempting to notify the consumer, verify responsibility, or provide a means to dispute the debt constitutes a deceptive practice under Alabama law. 

Because this is a medical collection, additional concerns apply. I have not authorized the disclosure of any protected health information, and no documentation has been provided showing lawful authority to report or disclose medical-related billing information. 

At this time, the account remains unsupported, unverified, and improperly reported.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXX - DATE OPENED : XX/XX/XXXX - BALANCE : {$89.00} XXXX XXXX XXXXXXXX XXXX - DATE OPENED : XX/XX/XXXX - BALANCE : {$1500.00} XXXX XXXX XXXXXXXX XXXX - DATE OPENED : XX/XX/XXXX - BALANCE : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
This letter constitutes a formal demand for proper validation of the above-referenced account. 

The documentation you have provided is insufficient to establish the existence, accuracy, or legal enforceability of any alleged debt. A lease agreement alone does not constitute valid debt verification under the Fair Debt Collection Practices Act ( FDCPA ), nor does it satisfy your obligations as a data furnisher under the Fair Credit Reporting Act ( FCRA ). 

To date, no competent evidence has been produced demonstrating : The exact amount allegedly owed and a complete explanation of how that amount was calculated A full, itemized accounting of all charges, fees, or assessments Proof that the balance reported is accurate and legally collectible Documentation establishing your authority to collect or report this account Proof of assignment, ownership, or contractual standing Verification of the Date of First Delinquency as reported to consumer reporting agencies Pursuant to 15 U.S.C. 1692g ( b ), all collection activity must cease until proper validation is provided. Further, the continued furnishing of this account to consumer reporting agencies without complete and verifiable documentation constitutes the reporting of inaccurate or unverifiable information in violation of 15 U.S.C. 1681s-2 ( a ).

Unless and until full and proper validation is produced, you are required to : 1. Cease all collection activity related to this account, and 2. Immediately cease furnishing or reporting this account to any consumer reporting agency.

Failure to comply will be documented as willful noncompliance with applicable federal law. 

This letter is sent for record-keeping purposes only and does not constitute an acknowledgment of liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: TN

Complaint narrative:
I look closely at my credit report and check that there is an accuracy on my accounts. I never been late in that. There might be an error in reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: TX

Complaint narrative:
I received an email stating that I have received a direct deposit on XX/XX/XXXX at XXXX PM 2025 and a follow up email stating that I still had money in my account about a week and a half later but after both of these emails, my available balance is not showing this deposit when I called the actual bank on their member support line. They stated that they had no idea where the legit emails were coming from the emails were legitimate emails from Chime both of them, but their XXXX said that they did not understand why I was receiving that when my account available balance was negative or XXXX but I literally received XXXX direct deposit email saying that there was money in my account I did not have any other pending deposits other than the XXXX treasury deposit that I was supposed to receive I believe that my money is being held up by their compliance department and Ive emailed them several times as well as theyre a legal department and Ive XXXX emailed their corporate headquarters email and Ive XXXX emailed their head of their legal department and I have not received any feedback from any of their compliance. Email their legal email or their corporate email and all XXXX trying to do is to get whatever deposit they received on XX/XX/XXXX to post to my ledger balance and that it show on my available balance and that is my complaint because Ive been waiting for a response since XX/XX/XXXX and now XX/XX/XXXX so its been almost 15 days if they were reviewing the legitimacy of it I did submit documentation for my tax transaction. Meaning I submitted the XXXX letter I received from the treasury and also the transcript from the treasury to prove that the transaction they received on the XXXX was mine and that it was accurate so I would just like for something to be done for my funds to be released because I continue to receive emails showing that I have money in the account and that wouldve been the only deposit that XXXX even been possible to hit my account because I am currently unemployed. I have no other means no other funds coming into my bank account the only funds that I was waiting for was that from the treasury so I would like someone to assist me with this because I feel like theyve had my money on hold for a long enough to do whatever trace or research to prove that the money or transaction was accurate and belong to me so if someone could please help me, I would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: MS

Complaint narrative:
XXXX XXXX XXXX : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date : [ XXXXXXXX  ] Consumer Financial Protection Bureau Office of the State Attorney General RE : Complaint Against Experian Information Solutions , Inc. and XXXX XXXX To Whom It May Concern, I am filing this complaint to report violations of the Fair Credit Reporting Act ( FCRA ) by Experian Information Solutions , Inc., in connection with an unauthorized hard inquiry resulting from identity theft. 

Unauthorized Inquiry Details : - Creditor : XXXX XXXX - Inquiry Date : XX/XX/XXXXXXXX  - Inquiry Type : Hard Inquiry - Credit Bureau : Experian I did not apply for credit with XXXX  XXXX, nor did I authorize XXXX  XXXX to access my consumer credit report. This inquiry was made without a permissible purpose, in violation of 15 U.S.C. 1681b. 

I disputed this inquiry with Experian and notified them that the inquiry was the result of identity theft. Despite this notice, Experian failed to block or remove the unauthorized inquiry as required under 15 U.S.C. 1681c-2 and failed to conduct a reasonable investigation under 15 U.S.C. 1681i.

XXXX XXXX has also failed to provide any documentation demonstrating permissible purpose, such as a signed application or valid consumer authorization. 

Violations include : - Access to consumer report without permissible purpose ( 15 U.S.C. 1681b ) - Failure to reasonably investigate disputed information ( 15 U.S.C. 1681i ) - Failure to block identity theft information ( 15 U.S.C. 1681c-2 ) Requested Resolution : 1. Immediate deletion of the XXXX XXXX hard inquiry from my Experian credit file 2. Written confirmation of deletion 3. Confirmation that XXXX XXXX did not have permissible purpose 4. Corrected copy of my credit report This inaccurate reporting has caused financial harm and an unjustified reduction in my credit score. 

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 explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC.
State: OR

Complaint narrative:
My insurance is needing a Lein release from Santander. I requested this physical copy on XX/XX/year>. I was told I would receive it in 7-10 business days. I have not received it. I requested it again on XX/XX/year>. I was told it would be sent overnight and I would get it the next day. I have not received it. Every time I call I cant get through to the same person and am told there isnt a supervisor to talk to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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 am extremely distressed to see that inaccurate accounts are still appearing on my credit report and they were not removed as expected. This situation has caused me significant XXXX  and confusion. Because of this ongoing problem, I am urgently requesting that all of the documents I provided be carefully and thoroughly reviewed so I can finally feel at ease and stop worrying about 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 non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS)
State: MI

Complaint narrative:
ChexSystems maintains and distributes a consumer report about me that is used to screen access to basic banking services. I recently reviewed my ChexSystems consumer report and became concerned about how my personal information is being used and shared. 

I requested information from ChexSystems regarding what personal data they maintain about me, how that data is used, and which third parties have accessed my consumer report, including the permissible purpose and legal basis for each disclosure. ChexSystems did not provide full transparency or adequate documentation explaining how my information has been shared or used. 

I am concerned that my consumer report information has been improperly used and shared beyond what is allowed under the Fair Credit Reporting Act. This lack of transparency and improper use of my report has caused harm, including denial of access to basic banking services and increased risk of identity misuse. 

I am requesting that ChexSystems fully disclose all entities that have accessed or received my consumer report, identify the permissible purpose relied upon for each disclosure, correct or delete any inaccurate or improperly reported information, and provide written confirmation along with an updated consumer report.

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 2025-12-29 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: AR

Complaint narrative:
An inaccurate late payment was reported on my credit report by this company. I made the payment on time, and I have documentation supporting this fact. Despite my previous disputes and requests for verification, the company has not corrected the information. This constitutes non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am requesting a full reinvestigation and correction of this error without further delay.

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