vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-28 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 dispute inaccurate, incomplete, and unverifiable information appearing on my Experian credit report. Under the Fair Credit Reporting Act ( FCRA ), Experian is required to ensure maximum possible accuracy and to conduct a reasonable investigation of all disputed items. 

Charged-Off / Collection Accounts XXXX XXXX Account XXXX. XXXXXXXX XXXX XXXX Reported XX/XX/XXXX XXXX {$0.00} XXXX Account No. XXXXXXXX XXXX XXXX Reported XX/XX/XXXX Balance {$400.00} XXXX XXXX XXXX/ XXXX Account No. XXXXXXXX XXXX XXXX Reported XX/XX/XXXX Balance {$210.00} XXXX XXXX XXXX/ XXXX Account No. XXXXXXXX XXXX XXXX Reported XX/XX/XXXX XXXX {$4500.00} The XXXX XXXX account is being reported twice with different balances, which is inaccurate and misleading. I am disputing the accuracy, duplication, balances, and verification of all accounts listed above. 

Inquiries XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX / XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I do not recall authorizing these inquiries. Experian must provide proof of a valid permissible purpose for each inquiry or remove them immediately.

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 2025-12-28 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:
I am submitting this dispute to TransUnion regarding inaccurate and unverifiable information currently being reported on my credit file. After careful review, I identified several items that do not meet FCRA reporting standards. 

Charged-Off / Derogatory Accounts Bankruptcy Case # XXXXXXXX XXXX  Multiple accounts with varying open dates and balances XXXX  Card Account # XXXX XXXX Bank Account XXXX XXXX XXXX XXXX Account XXXX XXXX Unauthorized / Questionable Credit Inquiry XXXX XX/XX/year> Late Payment Reporting XXXX XXXX XXXX XXXX multiple accounts ) XXXX  XXXX XXXX ( multiple accounts ) XXXX  XXXX XXXXXXXX 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 2025-12-28 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: NC

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off Accounts : 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 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Requested this from the three credit reporting agencies ( Trans Union, Equifax, and Experian ). I have sent three different letters spaced 60 days apart requesting the adjustment and removal of negative items from my report. In the last 90 days there has been no change on my report and no response from the agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Requested this from the three credit reporting agencies ( Trans Union, Equifax, and Experian ). I have sent three different letters spaced 60 days apart requesting the adjustment and removal of negative items from my report. In the last 90 days there has been no change on my report and no response from the agencies.

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 2025-12-28 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:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$110.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$280.00} XXXX BANK Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$150.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4200.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$970.00} Inquiries : No inquiries listed for TransUnion. 

Late Payments : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX BANK Account Number : 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 2025-12-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Blackhawk Network Holdings Inc.
State: OH

Complaint narrative:
I am filing a complaint regarding two prepaid debit cards issued through MyPrepaidCenter / Blackhawk Network with balances of {$50.00} and {$75.00} that were locked from the outset and remain completely inaccessible. 

From the moment the cards were issued, they were blocked for security reasons and unusable. I submitted a support request and provided all requested verification on XX/XX/XXXX, but did not receive a response until XX/XX/XXXX. At that time, I was told the case was resolved and that replacement cards had been issued. 

Despite this, I still can not access my account or the funds. The MyPrepaidCenter website repeatedly rejects my login, even after resetting my password multiple times, leaving me unable to view, manage, or use the cards in any way. 

Customer support is obstructive. The automated phone system does not function properly and does not allow access to a live representative through normal options. The only way to reach a person is by selecting the stolen card option, and even then I was told they can not assist with account access issues. 

As a result, my prepaid funds have been locked for an extended period with no functional way to access them. I have attached screenshots supporting this complaint. 

I believe this represents an unfair consumer practice involving prepaid financial products, and I am requesting investigation and relief, including immediate access to my funds or a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: MI

Complaint narrative:
I am a consumer attempting to correct inaccuracies on my credit report. I am disputing the following accounts reported as charged off and late payments : Charged Off Accounts : XXXX XXXX Account # : XXXX, Date : XX/XX/year>, Balance : {$780.00} Late Payments : XXXX XXXX Account # : XXXX These accounts are being reported inaccurately and are negatively impacting my credit. I request that Equifax investigate and update the reporting to accurately reflect my payment history and account status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX Date : XXXX Re : Dispute of Collection Account Violations of 15 U.S.C. 1692 To Whom It May Concern, I am submitting this letter as a formal dispute of a collection account currently appearing on my consumer credit report. This dispute is made pursuant to the Fair Credit Reporting Act, 15 U.S.C. 1681, and involves violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692. 
Collection Agency Name : Professional Debt Mediation Account Number : * XXXX I dispute the accuracy and legality of this collection account. To date, I have never received proper validation of this alleged debt, as required under 15 U.S.C. 1692g. Additionally, the continued reporting of this account without lawful validation constitutes misleading and unfair practices under 15 U.S.C. 1692e and 1692f. 
Because the debt collector has failed to comply with the FDCPA, the reporting of this account is inaccurate and unverifiable. Under 15 U.S.C. 1681e ( b ), you are required to ensure maximum possible accuracy of information reported, and under 15 U.S.C. 1681i, you must conduct a reasonable reinvestigation when a dispute is submitted. 
I am requesting that you : Conduct a full reinvestigation of this collection account Require the debt collector to provide proper debt validation and proof of legal authority to collect Delete this account if the collector can not demonstrate full compliance with 15 U.S.C. 1692 Provide written confirmation of the results of your investigation If the debt collector can not validate the debt as required by federal law, this collection account must be removed immediately from my credit report. 
Please complete your investigation within the time frame required by law and notify me in writing of your findings. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XX/XX/year> I was in XXXX California and I received a notification of {$490.00} at XXXX XXXX  for XXXX XXXX in XXXX XXXX Florida. I immediately shut my card down and requested for a new card. At XXXX XXXX  on XX/XX/year> I received a notification that someone tried to charge the card again of the amount of {$300.00} but it showed it was declined due to me canceling my card and asking for a replacement. I disputed the charges and on XX/XX/year> they sent me an email stating the outcome of my dispute was investigated and they determined the charge was authorized so they left the charge on my card. I called customer service and they filed another dispute with me and asked me to send it photos of that day to show I was not in Florida. On XX/XX/year> I called in again because they sent another email stating the transaction was authorized and they stated they will investigate it again. I asked if they can view my bank statement from my debit card to submit more proof that the transaction was not me nor it was authorized by me. I am consistently sending in proof that I was in XXXX California that day and Ive never been in Florida before.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-28 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:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Date of Birth : XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of your receiving this complaint. This fraudulent, inaccurate, and false information consists of Collections : XXXX XXXX  XXXX BALANCE : {$4700.00}, XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$1900.00}, XXXX XXXX XXXX : {$320.00}, XXXX XXXX XXXX XXXX BALANCE : {$200.00}. I have attached a list of the fraudulent items appearing as well as a copy of the FTC consumer credit report maintained by you which shows these fraudulent accounts and items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by your agency are the result of identity theft and fraud. I have attached a copy of the FTC identity theft report number XXXX and XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: NC

Complaint narrative:
I am submitting this complaint to formally dispute inaccurate, incomplete, and unverifiable information that Experian is reporting on my credit file. I have reviewed my Experian report and identified multiple items that do not meet the Fair Credit Reporting Act ( FCRA ) requirements for accuracy and proper verification. I am requesting that Experian conduct a full investigation and remove or correct the following items if they can not be properly verified. 

Charged-Off Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-28 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: NV

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off Accounts ABSRES INVESTMENTS Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$16000.00} XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX * Date Opened : XX/XX/XXXX | Balance : {$320.00} XXXX dispute the reporting of these accounts and request full verification, including proof of ownership, balance accuracy, and compliance with FCRA reporting standards. 

XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Chime Financial Inc
State: NJ

Complaint narrative:
CHIME AGENTS ARE VERY DISRESPECTFUL. THEY BELITTLE AND SPEAK TO CERTAIN PEOPLE FROM POOR AREAS LIKE WE ARE STUPID. THEY TRY AND USE WORDS THINKING WE WONT UNDERSTAND WHAT THEY ARE SAYING. Then repeat the same thing in different ways thinking we see stupid enough not to understand. Then I had a supervisor tell me stop calling checking on my request and money. I was told I can get a credit. Was asked for my information and started arguing with me. I then had to call back and again another agency was not listening to me. THIS IS DISCRIMINATION!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: CO

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off Accounts XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX | Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX | Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX | Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX | Balance : {$0.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX | Balance : {$550.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX | Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX | Balance : {$390.00} XXXX  XXXX XXXXXXXX  Account Number : XXXX Date Opened : XX/XX/XXXX | Balance : {$1800.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX | Balance : {$400.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX | Balance : {$15000.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX | Balance : {$910.00} I dispute the accuracy, balances, and reporting status of these accounts and request full verification, including proof of ownership, contractual obligation, payment history, and authority to report. 

Inquiries XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX I do not recognize or recall authorizing these inquiries and request verification of permissible purpose. 

Late Payments XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX DEPTEDXXXX Account Numbers : XXXX, XXXX, XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 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: FL

Complaint narrative:
I am submitting this complaint to dispute inaccurate, incomplete, and unverified information being reported on my Equifax credit file. I have reviewed my report carefully and identified several accounts, inquiries, and late payment notations that do not appear to be reported in compliance with the Fair Credit Reporting Act ( FCRA ). I am requesting a full investigation and proper verification of the following items. 

Charged-Off Accounts XXXX  XXXX Acct # XXXX | Opened XX/XX/XXXX | Balance {$640.00} XXXX  XXXX Acct # XXXX | Opened XX/XX/XXXX | Balance {$570.00} XXXX XXXX XXXX Acct XXXX XXXX | Opened XX/XX/XXXX | Balance {$30000.00} XXXX XXXX Acct # XXXX | Opened XX/XX/XXXX | Balance {$900.00} XXXX XXXX Acct # XXXX | Opened XX/XX/XXXX | Balance {$440.00} Inquiries XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX Late Payment XXXX Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
SUBJECT : Formal Dispute and Demand for Deletion Unlawful Reinsertion of Charged-Off Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date of Birth : XX/XX/year> Last XXXX digits of SSN : XXXX Experian XXXX. XXXX XXXX, TX XXXX Re : Unlawful Reinsertion of Charged-Off Account Demand for Deletion. 

Account Name : XXXX XXXXXXXX - Account # XXXX Account Name : XXXX XXXX XXXX XXXX - Account # XXXX Account Name : XXXX - Account # XXXX To Whom It May Concern, I am writing to formally dispute the above-referenced account that appear on my Experian credit report. 

This account was previously deleted by Experian following my dispute. However, it was reinserted approximately XXXX days later, which raises serious concerns regarding compliance with the Fair Credit Reporting Act ( FCRA ). 
Under 15 U.S.C. 1681e ( b ), Experian is required to follow reasonable procedures to assure maximum possible accuracy of the information it reports. Any information reported must be 100 % accurate and verifiable. 

Additionally, under 15 U.S.C. 1681i ( 5 ) ( a ), a previously deleted account may not be reinserted unless : The furnisher of information certifies that the information is complete and accurate, and Experian provides the consumer with written notice of the reinsertion within XXXX ( XXXX ) business days, including the name, address, and phone number of the furnisher. 
To date, I have not received proper written notice of reinsertion nor proof of the required certification. 
Furthermore, all information reported on my credit file must be accurate and consistent across all three nationwide consumer reporting agencies ( Experian, XXXX, and XXXX ). If this account can not be verified as accurate and complete under the FCRA, it must be promptly deleted from my credit report. 

Accordingly, I am requesting that Experian do XXXX of the following : Provide written proof of the furnishers certification of accuracy as required by 15 U.S.C. 1681i ( 5 ) ( a ), including the date of certification and the furnishers full contact information ; or Permanently delete this account from my Experian credit file due to failure to comply with the FCRA. 
If Experian is unable to meet its burden under federal law, this account must be removed and not reinserted. 
Please complete your reinvestigation and provide written confirmation of the results within the time limits prescribed by the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX : Copy of government-issued ID Proof of address Proof of Deletion

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