vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ATG Credit, LLC
State: GA

Complaint narrative:
To Whom It May Concern, I am formally disputing the accuracy of the information your company, Unverifiable Account Not Already Listed, has provided to the credit reporting agencies. The item in question is causing significant harm to my creditworthiness and is inaccurate and/or unverifiable. The following details describe the issue : Account being reported without any proof of ownership or validity.

This is a request for validation and verification under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. If you can not provide proper validation within the legally required timeframe, this item must be deleted from my credit report immediately.

Laws Violated : FCRA 609 ( a ), 611, 623 Please provide all documentation used to verify this account, including contracts with my signature, account statements, and any other relevant records. If you can not provide these within 30 days, you must remove the item from my credit report and notify all credit bureaus to which you have reported it. 
Sincerely, XXXX XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: LA

Complaint narrative:
I submitted a dispute to Chime regarding unauthorized transactions that occurred on XX/XX/year> ( Dispute ID : XXXX ). 

On XX/XX/XXXX, I contacted Chime to submit my second request for the docs used to deny my claim. I was told by a representative over the phone that I would receive the documentation used to deny the dispute within 10 business days. That deadline passed, and no documents were provided. Since then, I have followed up 3-4 times, and Chime has repeatedly failed to deliver the required documentation. 

Each time I contact Chime, they : Claim to have no record of my previous request ( s ), Restart the 710 day delivery timeline as if it were a new request Refuse to confirm anything in writing, insisting all communication happen via phone.

This is not only frustrating, its a violation of Regulation E ( 12 CFR 1005.11 ), which guarantees my right to receive the documentation used to determine the outcome of an electronic funds dispute. Regulation E does not allow banks to restart the clock simply because a customer follows up on a request they already made and that the bank failed to honor. 

As of XX/XX/XXXX, I still have not received the required documentation. I have asked multiple times for written confirmation, delivery dates, or copies of internal notesnone of which Chime has provided. Instead, Ive been routed back to phone support every time, with no follow-up and no transparency. 

Chime refuses to communicate with me unless it is over the phone, which means there is no paper trail or documentation for me to reference what we talked about or what I was told. Further, when I updated my number the app still insisted on calling the outdated number. But if I tried to update the number again, I was told that I had already updated to the new number. Then it would try to call the outdated one again. Chatting with support about this was useless, as the messages i was sent came in a loop that never resulted in a real phone call. Because of this, any communication with chime whatsoever was made impossible. Emails were sent back to me with an auto reply that said to request a call back. It was maddening. And I never got any support about the lack of accountability in denying my disputed transactions or Chimes refusal to provide the documents theyd used to deny the dispute claim. 


This is a pattern of avoidance and noncompliance that has dragged on for over a month, despite my repeated good-faith efforts to resolve the issue. Its clear that Chimes systems and customer service workflows are designed to stall consumers and limit accountabilityeven when federal law requires action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-08-08 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: MD

Complaint narrative:
Reporting as deceased, incorrect credit information, and incorrect addresses, and names on credit 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 2025-08-08 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: NY

Complaint narrative:
I, XXXX XXXX, am filing this complaint against Equifax, Experian, and TransUnion regarding their ongoing failure to correct inaccurate payment history information in my credit reports, despite multiple disputes. 

This is my third formal attempt to have these inaccuracies corrected. My first dispute was submitted over 35 days ago, followed by a second dispute, yet the bureaus have not provided any valid documentation verifying the legitimacy of the reported late payments. 

The disputed accounts are : Late Payment ( Open ) XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment ( Open ) XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhe basis of my dispute is that these late payments appear to be the result of billing errors as defined under 15 U.S.C. 1666 ( b ), including : Failure to correctly post or credit timely payments ; Computation or accounting errors by the creditor ; Failure to send a billing statement at least 21 days before the due date, which makes the reporting of late payments legally invalid.

Despite these clear issues, the bureaus have failed to provide : The method of verification used to confirm the accuracy of these late payments ; The name and contact information of the furnisher ( s ) ; Any documentary proof that substantiates the late payments being reported.

Under 15 U.S.C. 1681i, the bureaus are required to conduct a reasonable reinvestigation of disputed information. Under 15 U.S.C. 1681e ( b ), they are obligated to follow procedures ensuring maximum possible accuracy. The continued reporting of these unverified late payments constitutes a violation of these provisions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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 ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: CA

Complaint narrative:
I am writing to follow up on my previously submitted complaint regarding inaccurate and unauthorized information reported by XXXX on my credit report. Despite my formal dispute submitted to Experian and TransUnion over 30 days ago, the reinvestigation remains unresolved, and XXXX has failed to respond or verify the account in question. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), credit reporting agencies are required to complete reinvestigations within 30 days of receiving a dispute. Additionally, furnishers like XXXX are obligated to respond to verification requests from the bureaus under 15 U.S. Code 1681s-2 ( b ). XXXX failure to respond violates these provisions. 

Equifax has already removed the disputed account from my credit file, acknowledging its unverifiability. However, Experian and TransUnion have yet to take corrective action, and the account remains inaccurately reported as charged off with a balance of $ XXXX no authorization or substantiating documentation. 

I respectfully request that the CFPB take further action to compel XXXX to respond and ensure Experian and TransUnion comply with their obligations under the FCRA. This unresolved reporting continues to harm my creditworthiness and financial stability. 

Please let me know if additional documentation is needed. I appreciate your assistance in enforcing consumer protection laws and ensuring fair credit reporting practices.

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 2025-08-08 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: OH

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of multiple fraudulent accounts reported under my name by XXXX. I am the victim of identity theft and have filed an official Identity Theft Report with the Federal Trade Commission ( FTC ), Report Number XXXX. 
The fraudulent accounts listed below were not authorized by me, and I never received or applied for any federal student loan or financial aid from XXXX : XXXX. XXXX Reported Balance : {$3100.00} Opened : XX/XX/XXXX XXXX. XXXX Reported Balance : {$3400.00} Opened : XX/XX/XXXX XXXX. XXXX Reported Balance : {$3700.00} Opened : XX/XX/XXXX XXXX. XXXX Reported Balance : {$3900.00} Opened : XX/XX/XXXX XXXX. XXXX Reported Balance : {$7000.00} Opened : XX/XX/XXXX These accounts appeared on my credit report without my knowledge or consent and are the result of identity theft.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681c-2 ( Section 605B ), I am formally requesting that you block and remove all information related to these fraudulent accounts from my credit file. As required by law, you must do so within four business days of receiving this notice, my identity theft report, and supporting documents. 
I also invoke my rights under the following consumer protection laws : - 15 U.S.C. 1681 et seq. Fair Credit Reporting Act - 15 U.S.C. 6802 Financial Privacy Requirements- UCC 3-501 Demand for Proof of Claim and Legal Standing - 15 U.S. Code 1692c Cease and Desist Communication I attempted to resolve this matter directly with XXXX by notifying them of the fraudulent activity, but they failed to take any corrective action or assist in removing the accounts. This negligence only further violates my consumer rights and causes ongoing damage to my credit and reputation. 
Therefore, I demand : 1. Immediate deletion of all XXXX accounts listed above. 2. Written confirmation of their removal from my credit file. 3. No further reporting or collection attempts related to these fraudulent debts.

Enclosed are the following : - A copy of my FTC Identity Theft Report - A copy of my government-issued ID - Proof of address Under penalty of perjury, I affirm that I did not authorize these accounts and that the information provided is accurate and true. 
Sincerely, XXXX XXXX UCC-1-308 Without Prejudice

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 2025-08-08 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: OH

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of multiple fraudulent accounts reported under my name by XXXX. I am the victim of identity theft and have filed an official Identity Theft Report with the Federal Trade Commission ( FTC ), Report Number XXXX. 
The fraudulent accounts listed below were not authorized by me, and I never received or applied for any federal student loan or financial aid from XXXX : XXXX. XXXX Reported Balance : {$3100.00} Opened : XX/XX/XXXX XXXX. XXXX Reported Balance : {$3400.00} Opened : XX/XX/XXXX XXXX. XXXX Reported Balance : {$3700.00} Opened : XX/XX/XXXX XXXX. XXXX Reported Balance : {$3900.00} Opened : XX/XX/XXXX XXXX. XXXX Reported Balance : {$7000.00} Opened : XX/XX/XXXX These accounts appeared on my credit report without my knowledge or consent and are the result of identity theft.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681c-2 ( Section 605B ), I am formally requesting that you block and remove all information related to these fraudulent accounts from my credit file. As required by law, you must do so within four business days of receiving this notice, my identity theft report, and supporting documents. 
I also invoke my rights under the following consumer protection laws : - 15 U.S.C. 1681 et seq. Fair Credit Reporting Act - 15 U.S.C. 6802 Financial Privacy Requirements- UCC 3-501 Demand for Proof of Claim and Legal Standing - 15 U.S. Code 1692c Cease and Desist Communication I attempted to resolve this matter directly with XXXX by notifying them of the fraudulent activity, but they failed to take any corrective action or assist in removing the accounts. This negligence only further violates my consumer rights and causes ongoing damage to my credit and reputation. 
Therefore, I demand : 1. Immediate deletion of all XXXX accounts listed above. 2. Written confirmation of their removal from my credit file. 3. No further reporting or collection attempts related to these fraudulent debts.

Enclosed are the following : - A copy of my FTC Identity Theft Report - A copy of my government-issued ID - Proof of address Under penalty of perjury, I affirm that I did not authorize these accounts and that the information provided is accurate and true. 
Sincerely, XXXX XXXX UCC-1-308 Without Prejudice

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I made a purchase on XXXX with my XXXX  account on XX/XX/year>XXXX  for XXXX. 

I requested a refund for the items, the seller sent me shipping labels to return said items. 

I returned said items and STILL have no received the refund. 

XXXX  has all of the return tracking information showing the seller received the items back on his possession, yet they closed my case with no refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-08 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: PA

Complaint narrative:
Hello, Im reaching out for help regarding some accounts on my credit report that I didnt open or authorize. I wasnt informed about them either. As stated under USC 1681g, Im respectfully requesting their removal within 15 days. Ive attached the documents to support my request.

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 2025-08-08 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: CA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX , DC XXXX Subject : Formal Complaint Regarding Inaccurate Reporting of Dismissed XXXX  XXXX Bankruptcies To Whom It May Concern, I am filing a formal complaint against the continued reporting of two dismissed XXXX  XXXX bankruptcies on my Experian credit report. These records are outdated, inaccurate, and misleading. They do not reflect any valid legal judgment or discharge of debt and are negatively impacting my credit profile. 
Disputed Records : 1. Case 1 : - Type : XXXX  XXXX Bankruptcy ( Dismissed ) - Date Filed : XX/XX/XXXX - Reference XXXX XXXX XXXXXXXX - Court : XXXX Bankruptcy XXXX XXXX XXXX XXXX Illinois ( XXXX ) 2. Case 2 : - Type : XXXX  XXXX Bankruptcy ( Dismissed ) - Date Filed : XX/XX/XXXX - Reference XXXX XXXX XXXXXXXX - Court : XXXX Bankruptcy XXXX XXXX XXXX XXXX Illinois ( XXXX ) The Fair Credit Reporting Act ( FCRA ) requires all information furnished to consumer reporting agencies be accurate, complete, and verifiable. A dismissed bankruptcy is not a discharge or a legal judgment, and its continued presence is unjust and misrepresents my financial standing. 
Additionally, the credit reporting agencies have failed to provide verified documentation directly from the court confirming the accuracy of these records. These dismissed entries likely stem from third-party public record vendors, not direct court verification, violating FCRA requirements.

I am requesting the following : 1. That the CFPB initiate a formal investigation into the reporting of these dismissed bankruptcies. 2. That Experian be required to delete these records from my credit report as they are unverifiable and inaccurate. 3. That any continued reporting of such records only be permitted if verifiable documentation from the bankruptcy court is provided.

Enclosed is a screenshot from my Experian credit report showing the inaccurate entries, along with a copy of my identification.

Thank you for your attention to this matter. I respectfully request resolution and removal of these entries as quickly as possible. 
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 2025-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
See the attached documents.

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-08-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Fundo LLC
State: FL

Complaint narrative:
I received a small loan for {$700.00} in XXXX  in the XXXXXXXX XXXX XXXX  The loan shark sent several threats and unreasonable demands and harassing/threatening emails to take my accounts and money demanding repayment of {$5000.00}. Also demanded other unreasonable amounts of payment. Threatened to take my accounts which he took without taking me to court or allowing me to have my day in court. He seized {$1500.00} from my bank account with out my consent without notifying my employer, myself or my state legal courts. They took XXXX percent of my pay and by law they are only allowed to take no more than XXXX percent, causing undue stress harm and homelessness. He used a loop hole to illegally place a false lein claim to XXXX  my bank and embarassed me at my job and caused defamation of my character. I work for a financial institution and he hurt my reputation and caused me to be homeless and go without food or water or shelter for almost a month. This caused XXXXXXXX XXXX XXXX XXXX. He has very negative reviews against his company and abused his powers to bully the less fortunate. He should be stripped of his license and practices for scamming and preying upon the less fortunate and desperate.

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

Complaint narrative:
I am writing to formally dispute a late payment inaccurately listed on my credit report. According to my records, the payment in question was made on time, and I have no history of delinquency for this account.

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 2025-08-08 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: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
violation of rights, using my personal information for profit and identity theft

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