vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-07 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: NY

Complaint narrative:
I recently discovered that multiple fraudulent accounts were added to my credit report without my knowledge or authorization. I am a victim of identity theft, and I never opened or applied for these accounts. 

The accounts in question are : XXXX XXXXXXXX XXXX XXXX Account # : XXXX Amount : {$25000.00} XXXX XXXX Account # : XXXX Amount : {$7200.00} XXXX XXXX XXXX Account # : XXXX Amount : {$1100.00} These accounts do not belong to me, and I have no connection to them. I have already provided valid identification and documentation through this CFPB complaint. 

Under FCRA Section 605B [ 15 U.S.C. 1681c-2 ], I am requesting that these accounts be blocked and permanently removed from my credit file within 4 business days of receiving this notice and supporting documents, as required by federal law. 

If this matter is not resolved within the timeframe guaranteed by law, I am prepared to escalate this issue through legal channels and pursue litigation for noncompliance, including damages under FCRA Sections 616 and 617.

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 2025-06-07 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the TransUnion credit reporting agency XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 XXXXXX/XX/XXXX. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 non-monetary relief
Consumer complaint received 2025-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
My credit was involved a data breach account was added to my credit report without my permission which is not minds fake names address and numbers credit account my information was compromised in a breach

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I called the phone number on the credit card to get the balance so that I could pay on it. The automated voice system said my balance was {$1600.00}. I only bought one washer and one dryer and a blender. The washer and dryer total was {$800.00}.. The blender I bought was {$14.00} plus tax. If you add the washer and dryer twice plus the blender with tax, it comes to {$1600.00}.. I NEVER BOUGHT 2 WASHERS AND 2 DRYERS. I only bought the washer and dryer set and a blender and now I'm being charged for Two sets of washer and dryers.

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 2025-06-07 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: NV

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts /information reporting to my 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 2025-06-07 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: CA

Complaint narrative:
After reviewing my credit report, I found some reporting errors on my account from Transunion which was not reported accurately dating back to XX/XX/XXXX and XX/XX/XXXX another reporting error. During the period of XXXX and the loss of my job in XXXX, I was still making on time payments and this report is inaccurate and the attached document shows the inaccuracies from the different reporting agencies. According to the CARES ACT, which was signed into law on XX/XX/XXXX, the law was enacted from XX/XX/XXXX and ended XX/XX/XXXX. This act amended the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the XXXX crisis and under these circumstances. Please update this information to PAID/AGREED for the following time frame. XX/XX/XXXX and 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 non-monetary relief
Consumer complaint received 2025-06-07 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: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
THE ACCOUNTS IN QUESTION DO NOT BELONG TO ME THEY WERE NOT AUTHORIZED BY ME, THEY WERE CREATED DUE TO FRAUD FOR THAT REASON ALONE THEY MUST BE REMOVED PER 15 USC 1681 B. I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF STOPPED BY SILENCE, ENGELHARDT V. GRAVENS ( MO ) 281 SW 715, 719N I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT NOR THEREFORE ANY SUCH DEBT IN FACT EXISTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: MOHELA
State: FL

Complaint narrative:
THE ACCOUNTS IN QUESTION DO NOT BELONG TO ME THEY WERE NOT AUTHORIZED BY ME, THEY WERE CREATED DUE TO FRAUD FOR THAT REASON ALONE THEY MUST BE REMOVED PER 15 USC 1681 B. I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF STOPPED BY SILENCE, ENGELHARDT V. GRAVENS ( MO ) 281 SW 715, 719N I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT NOR THEREFORE ANY SUCH DEBT IN FACT EXISTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
b"The online app indicated an erroneous credit score much lower than my actual score.  I brought it to their attention on two occasions to no avail.  I thought it would not matter as I know my real score and did not rely on this reported score for useful information.  But then the Citibank Visa advised that my interest rate was being increased because of my bad credit risk.  Then it became an issue and I sent written request to correct this to the customer service address of XXXX XXXX XXXX XXXX South Dakota two times and they responded that they can not find my account.  Then on XXXX XXXX XXXX  I sent copies of my statement with the account number, credit score and interest rate and demanded it be corrected.  Here two months later, no response whatsoever even though they were provided all of my contact information.  I think they are using the wrong identity and credit score and prejudiced my personal information and who knows how many others they do this to that don't monitor their data like I do.  Thank you for your attention to this matter.\nRegardsXXXX XXXXXXXX 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 2025-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Melar Investments, LLC
State: NV

Complaint narrative:
I am disputing a debt claimed by XXXX XXXX XXXX, referenced in a recent summons issued under my former legal name, which I no longer use due to marriage and a formal name change. I have never received prior notice, billing, or debt validation in accordance with the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g ( a ). 

Given that I have no knowledge of this debt and no relationship with XXXX XXXX, I believe this to be a case of identity theft or fraudulent account activity. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681g ( e ) and 1681c-1 ( b ), consumers have the right to dispute debts resulting from identity theft and request blocking of related information from credit reports upon submission of an identity theft report.

Accordingly, I have filed an official identity theft report with the XXXX XXXX XXXX Police Department, in compliance with 15 U.S.C. 1681c-2, which permits a consumer to block fraudulent debts from appearing on their credit file when accompanied by such a report. 

XXXX XXXX has failed to validate this debt, provide documentation proving its legitimacy, or demonstrate that I am the correct party liable. I respectfully request that the CFPB investigate this matter, compel XXXX XXXX to cease collection activities, and consider this account fraudulent and improperly pursued.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: MOHELA
State: TN

Complaint narrative:
My accounts have been in forbearance this entire year and they keep placing 90 day delinquency on my credit and refusing to correct it all while Im still in forbearance with a XXXX dollar payment they are violating my FERPA rights also

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: AR

Complaint narrative:
It has come to my attention my personal information has been exposed in a national data breach. After reviewing my credit reports I notice some accounts I am not familiar with. I have ask the CRAs for validation of debt, however the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. 

Please find attached a copy of my ID, the FTC complaint, a copy of the NPD report showing my information being exposed in a national data breach and a validation of debt letter.

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 2025-06-07 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: NY

Complaint narrative:
I disputed a false tradeline from XXXX XXXX XXXX that significantly damaged my credit score and reputation. I have never had a car loan, and no documentation was provided to validate the debt. Although XXXX  removed the account due to a lack of validation, Experian continues to report it as a charge-off. This has dropped my score by nearly XXXX points and caused significant financial harm. 

Statement of Harm and Impact - CFPB Submission Date : XX/XX/year> Description of What Happened : For over five months, I have disputed a derogatory tradeline from XXXX XXXX XXXX, which was reported inaccurately to Experian. Despite presenting written disputes, legal analysis, and a lack of validation from the furnisher, Experian has failed to delete or correct the tradeline. XXXX, having reviewed the same dispute, removed the account on XX/XX/year>, indicating it was unverifiable. 
This discrepancy between bureaus and Experian 's refusal to act per the Fair Credit Reporting Act has significantly harmed my credit profile and financial standing. 

Adverse Effects on Me : - My FICO score dropped from XXXX to XXXX due to the falsely reported delinquency and charge-off. 

- I have experienced emotional stress, financial limitation, and reputational harm as a result of inaccurate credit reporting. 

- I have spent dozens of hours preparing documentation, sending formal disputes, and engaging with regulatory processes to address something that should have been corrected immediately after the first dispute. 

I am requesting that the Consumer Financial Protection Bureau hold Experian and the involved data furnishers accountable for failing to comply with federal consumer protection laws. 

A complete deletion of the disputed tradeline, score restoration, and regulatory enforcement action is justified based on the attached evidence and timelines. 

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 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX is incorrectly reporting my car as being charged off. I have made payments on time and only have 3 more payments to make before it is paid off! My payments are being reported wrong ; I have possession of the car and always have. If it was charged off they would have repossessed it. That didn't happen and I have been paying. Even on XXXX website it shows I have been paying on time and this is still being reported in correctly. I want this information fixed immediately to show that I am current, it is not in charged off status and I want all of the payments Ive made on time to reflect correctly. I have sent XXXX letters and they are ignoring 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 2025-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX SSN : XXXX XXXX : XX/XX/XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau XXXX CFPB ) P.O. XXXX XXXX Washington XXXX DC XXXX Subject : Urgent Identity Theft Dispute & Request for Immediate Deletion of Fraudulent Accounts Under FCRA and FACTA Dear CFPB Officer, I am submitting this formal complaint regarding multiple fraudulent accounts that have been reported under my name. I am a victim of identity theft. Despite an active fraud alert placed on my credit reports, unauthorized accounts were fraudulently opened, which is a direct violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ).

The following accounts were not authorized by me and must be deleted immediately under 15 U.S.C. 1681c-2 ( FCRA Section 605B ) : XXXXXXXX XXXX XXXXXXXX Account Fraud XX/XX/XXXX XXXX XXXX XXXX Account XXXX XX/XX/XXXX XXXX Bank XXXX XXXX Multiple Fraudulent Accounts ( XXXX ) XXXX Bank Closed For Cause XX/XX/XXXX to XX/XX/XXXXXXXX XXXX XXXX XXXX  ClosedXXXX XXXXXX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Accounts XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Multiple in XXXX These accounts were opened without my knowledge or consent, and no documentation has been provided proving my authorization or any signed agreement. I have enclosed : A copy of my government-issued ID Social Security card A copy of my credit report showing the fraud alert Annotated Early Warning report Debt validation requests sent to each institution Legal Basis for Deletion : Under FCRA 605B, I have the right to block fraudulent information resulting from identity theft.

Under FACTA, financial institutions are obligated to maintain procedures that prevent fraudulent accounts when a fraud alert is present.

According to 15 U.S.C. 1681i, reinvestigations must be completed within 30 days of a consumer dispute.

This complaint is also being submitted to the FTC and directly to Early Warning Services. I demand full deletion of these records and confirmation in writing from all bureaus and parties involved. 

Thank you for your time and assistance in resolving this matter promptly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: TX

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under XXXX XXXX code XXXX ( b ) and XXXX use XXXX ( XXXX ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/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 2025-06-07 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: GA

Complaint narrative:
THE ACCOUNTS AND INQUIRIES INQUESTION DO NOT BELONG TO ME, THEY WERE NOT AUTHORIZED BY ME. THEY WERE CREATED DUE TO FRAUD, FOR THAT REASON ALONE THEY MUST BE REMOVED PER 15 USC 1681B.I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF STOPPEL BY SILENCE, ENGELHARDT V. GRAVENS ( MO ) 281 SW 715, 719 I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT IN FACT EXISTS.

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 2025-06-07 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: NV

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts /information reporting to my credit report. Remove these accounts and remarks from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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: MI

Complaint narrative:
I am writing to report a serious issue that occurred on XX/XX/year>, when I lost both my phone and wallet on the same day. This unfortunate event led to unauthorized access to my account, and several fraudulent transactions ( $ XXXX ) have been processed using my Chime card without my consent. I am extremely concerned and anxious, as I need access to my funds to cover important bills that are due. 

Timeline of Events : XX/XX/year> : I lost my phone and wallet on the same day, and I immediately realized my Chime card was compromised. 
XX/XX/year> : I reported the issue to Chime 's support team as soon as I noticed the unauthorized transactions. I requested assistance in disputing these charges. 
Chime confirmed that the dispute process would be initiated for the unauthorized transactions that had gone through without my consent. However, I did not receive an exact timeline on when the issue would be resolved, despite asking for clarification. 
The uncertainty around the timeframe for resolving this situation is causing me significant stress, as I have upcoming bills and financial obligations that I am now unable to manage due to the compromised funds in my account. I understand that disputes take time, but I am requesting urgent clarification on how long it will take for the fraudulent charges to be reversed and for my account to be restored. 

I would greatly appreciate your assistance in expediting the resolution process, and I kindly ask for a more specific timeline regarding when I can expect this issue to be resolved. 

Thank you for your immediate attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with explanation