vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: NV

Complaint narrative:
On XX/XX/year>, I sent a comprehensive debt validation demand to CBE Group via certified mail regarding an alleged {$380.00} XXXX XXXX debt under FDCPA Section 1692g. I requested complete documentation including original service agreement, billing history, chain of assignment, Nevada collection license, and itemized debt breakdown. I demanded cessation of all collection activities until validation provided and offered reasonable settlement terms.

CBE Group has completely ignored my validation demand for over 20 days, providing zero documentation or response. Despite this, they continue reporting the unvalidated debt to all three credit bureaus, violating FDCPA Section 1692g ( b ) which requires cessation of collection activities until validation is provided. 

This constitutes willful FDCPA violations including continued collection during validation period, failure to provide required validation notice, and improper credit reporting of disputed debt. CBE Group 's complete silence while maintaining collection activities demonstrates systematic non-compliance with federal debt collection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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:
These accounts are not mine. I did not open. This is identity theft remove immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: TX

Complaint narrative:
I am filing a complaint against TransUnion for failing to remove an unauthorized account from my credit report, despite multiple disputes and supporting documentation. 

In XX/XX/year>, I discovered a XXXXXXXX XXXX XXXX secured credit card account for {$120.00} on my credit report that I did not open or authorize. I immediately contacted XXXX XXXX XXXX and also filed a dispute with TransUnion requesting that the account be removed due to suspected fraud or error. 

Since then, I have submitted multiple disputes to TransUnion, including proof of identity and statements explaining that I did not open this account. Despite this, TransUnion has continued to report the account, and the most recent update reflects it as a charge-off, further damaging my credit standing. 

TransUnion has not provided any explanation for why the account remains on my report or how they verified its accuracy. I have requested verification under the Fair Credit Reporting Act ( FCRA ), yet I have not received any proper investigation results or documentation supporting the continued reporting of this account. 

It has now been over 7 months since my first dispute, and TransUnion has failed to correct or remove this clearly unauthorized or inaccurate information.

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 2025-08-03 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: TX

Complaint narrative:
Nobody is able to log into their netspend account. Both apps are not working and constantly declining transactions. I locked my card and can't unlock the card to spend my money. When contacting netspend customer service the representative say they will fix the issue and it has been 4 days now for people. One lady just got evicted due to netspend not fixing the issue. They still haven't addressed the issue on their website. People are oing to loose everything because of their negligence. Please address the issue with them. I will be my closing account, as well as others

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 2025-08-03 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: Professional Debt Mediation, Inc.
State: MD

Complaint narrative:
I am disputing the accuracy of the account reported by Professional Debt Mediation that appears on my credit report. I previously requested an investigation under 15 U.S. Code 1681i, which gives me the right to dispute incomplete or inaccurate information. 

According to the results, part of the disputed information was deleted, while other portions were verified and updated. However, I still believe the account contains inaccurate or unverifiable information, and I am requesting that a reinvestigation be conducted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: MI

Complaint narrative:
Chime did not honor the agreement made to credit my account under a new account incentive offer. I have proof of exactly what I am entitled to explained via a conversation with a representative. Chimes customer service dept had only served to stifle my efforts to make Chime honor our agreement. This company is criminal. I'm owed ~ {$150.00}. 

I have proof of the agreement they're deliberately failing to honor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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:
These are not my accounts remove accounts immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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 a victim of identity theft, someone used my j for to obtain goods that I have no knowledge of.

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 2025-08-03 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: FL

Complaint narrative:
I am a victim of identity theft, someone used my j for to obtain goods that I have no knowledge of.

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 2025-08-03 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Hello I was notified My personal information was involved in a data breach. I have many spam calls and fraud accounts reporting to my credit profile. According to the Fair credit reporting act Section 609 ( a ) ( 1 ) ( A ) and us code 1681e, you are required by federal law to verify through the physical verification of the original signed consumer contract- any and all accounts you post on a consumer report. Otherwise, anyone paying for your reporting services could fax, mail, email in a fraudulent account. I demand to see verifiable proof ( an original consumer contract with my signature on it ) you have on file of the accounts listed below. I demand the accounts to be removed XXXX XXXX CLOSED COLLECTION ACCOUNT {$6500.00} all hard inquires in last XXXX as they are not min

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 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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 XXXX 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 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 2025-08-03 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: LA

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 XXXX 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 non-monetary relief
Consumer complaint received 2025-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Klarna AB
State: OK

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX XXXX XXXX for reporting a debt to XXXX that I do not recognize or owe. The original creditor listed is Klarna. I have not received any valid documentation or evidence proving that this debt belongs to me. 

Upon discovering this entry on my credit report, I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) by disputing the debt and requesting proper verification. To date, XXXX XXXX XXXX has not provided any documentation to validate the debt. Despite this, the collection remains on my XXXX credit report. 

Reporting an unverified debt is both misleading and harmful, and I believe this action is in violation of federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-08-03 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: PA

Complaint narrative:
I am submitting a formal complaint regarding inaccurate and unverifiable negative reporting from the U.S. Department of EducationXXXX account on my credit file. 
Despite requests, the credit bureaus have failed to verify this account with updated deferment or payment activity. This account continues to report as 180+ days past due, which is misleading and in violation of the Fair Credit Reporting Act ( 15 U.S.C . 1681e ( b ) and 1681i ).

I have attached dispute letters and supporting documentation. I respectfully request that the CFPB facilitate deletion or verified correction of this tradeline on my TransUnion, Equifax, and Experian credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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:
I am filing a complaint against TransUnion, Experian, and Equifax for continuing to report a " charge-off '' account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) despite a formal dispute I submitted over 30 days ago. Under the Fair Credit Reporting Act ( FCRA ), the bureaus are required to investigate and delete any unverifiable or inaccurate information. 

My concerns are the following : FCRA 1681i ( a ) The bureaus failed to properly investigate my dispute or remove unverifiable data after 30 days.

FCRA 1681e ( b ) The bureaus are reporting inconsistent and damaging information without ensuring its accuracy.

FCRA 1681i ( a ) ( 5 ) ( A ) The law requires that if information can not be verified, it must be deleted. 

Additionally, this account shows multiple charge-off notations ( CO ), including long-term delinquencies, which severely impact my credit profile, despite my previous effort to dispute and request verification. 

The last payment was made in XX/XX/year>, and I have not received any validation from the bureaus or the original creditor to confirm this charge-off status. 

I request that this entry be permanently removed from all three credit bureaus or that full validation be provided, as per federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing a complaint against TransUnion, Experian, and Equifax for continuing to report a " charge-off '' account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) despite a formal dispute I submitted over 30 days ago. Under the Fair Credit Reporting Act ( FCRA ), the bureaus are required to investigate and delete any unverifiable or inaccurate information. 

My concerns are the following : FCRA 1681i ( a ) The bureaus failed to properly investigate my dispute or remove unverifiable data after 30 days.

FCRA 1681e ( b ) The bureaus are reporting inconsistent and damaging information without ensuring its accuracy.

FCRA 1681i ( a ) ( 5 ) ( A ) The law requires that if information can not be verified, it must be deleted. 

Additionally, this account shows multiple charge-off notations ( CO ), including long-term delinquencies, which severely impact my credit profile, despite my previous effort to dispute and request verification. 

The last payment was made in XX/XX/year>, and I have not received any validation from the bureaus or the original creditor to confirm this charge-off status. 

I request that this entry be permanently removed from all three credit bureaus or that full validation be provided, as per federal law.

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 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing a complaint against TransUnion, Experian, and Equifax for continuing to report a " charge-off '' account from XXXX XXXX XXXX ( Account # : XXXX ) despite my formal dispute submitted over 30 days ago. 

This account is reported with : Status : Charge-off Balance : {$14000.00} Last Payment Date : XX/XX/year> Multiple charge-off ( CO ) and 120+ day late marks According to the Fair Credit Reporting Act ( FCRA ) : FCRA 1681i ( a ) ( 1 ) ( A ) requires deletion if the information can not be verified within 30 days.

FCRA 1681e ( b ) demands accuracy and completeness.

FCRA 1681i ( a ) ( 5 ) ( A ) mandates deletion of unverifiable data.

Despite following all procedures and timelines, this account remains on my credit file without validation. This is causing substantial harm to my creditworthiness. I request immediate deletion or certified verification of this account from all three credit reporting 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 non-monetary relief
Consumer complaint received 2025-08-03 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: FL

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, experian and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies. 
Please delete all these fraudulent accounts none of the listed is associated with me. The account listed are not transactions done by myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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: FL

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, experian and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies. 
Please delete all these fraudulent accounts none of the listed is associated with me. The account listed are not transactions done by myself.

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 2025-08-03 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: NY

Complaint narrative:
When I had my chime account. I had a dispute open against jet blue because I had been stuck in the plane on the tarmac for XXXX hours and then my flight was cancelled and I wasnt compensated. XXXX conveniently had a notion wide glitch and then my account was closed and my money from my chime account was mailed out to me. Chime never allowed me to follow through with my claim against jet blue. They also reported on my credit that I have over a {$200.00} balance owed to them. Chime consistently sends me, emails to open an account or why it would benefit me to have a chime account yet I can not open a chime account. I feel as if Im being harassed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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 writing to formally request the immediate deletion and blocking of all accounts associated with my personal information as a result of a recent identity theft and/or data breach that has compromised my sensitive personal data. This request is made pursuant to 15 U.S. Code 1681c-2 ( a ), which provides protections for individuals who are victims of identity theft.

As someone who has been directly affected, I am deeply concerned about the misuse of my personally identifiable information. I did not authorize these accounts, and I believe they are fraudulent. I am requesting that they be permanently removed and blocked from my credit report. 

Fraudulent Accounts to Be Blocked : XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$7000.00} XXXX XXXX  Balance : {$10000.00} XXXX XXXX XXXX  Balance : {$0.00} ( Charged off : {$1100.00} XXXX XXXX XXXX Balance : {$0.00} ( Charged off : {$6100.00} ) XXXX XXXX XXXX Balance : {$0.00} ( Charged off : {$33000.00}, Paid/Closed ) XXXX XXXX : {$68000.00} XXXX XXXX Balance : {$630000.00} XXXX request that Experian XXXX these items from appearing in my credit file, cease reporting them to any third parties, and send me written confirmation when this request has been fulfilled. I further request that you notify all data furnishers that these accounts were the result of identity theft and that I am not responsible for any alleged debts. 
Thank you for your immediate attention to this serious matter. Your cooperation in helping protect the integrity of my credit and personal information is greatly appreciated. 
Sincerely,

Company response to consumer: Closed with non-monetary relief