vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-18 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: HI

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
THIS XXXX  RECORD IS NOT MINE AND HAS BEEN REPORTED IN ERROR. ITS INCLUSION ON MY CREDIT REPORT IS INACCURATE, MISLEADING, AND IS CAUSING SIGNIFICANT EMOTIONAL DISTRESS. I AM FORMALLY REQUESTING THE IMMEDIATE AND PERMANENT REMOVAL OF THIS FRAUDULENT ENTRY FROM MY CREDIT FILE. PROMPT ACTION IS REQUIRED TO RECTIFY THIS SERIOUS ERROR. SEE THE ATTACHED DOCUMENT FOR VERIFICATION.

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 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am disputing the late payment and delinquency entries showing on several accounts. These are incorrect based on my payment history and prior agreement, so I request that they be changed to Paid as Agreed and that all delinquency notations be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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 authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. 

I am submitting this formal complaint against Transunion for ongoing violations of the Fair Credit Reporting Act ( FCRA ) related to my identity theft dispute. On XX/XX/year>, I submitted a legal demand with my FTC Identity Theft Report and supporting documentation, which identified fraudulent accounts from XXXX CARD XXXX Despite having received all required documents, Transunion has failed to block or delete these accounts, in direct violation of FCRA 1681c-2, and has not conducted a reasonable reinvestigation under FCRA 1681i ( a ) ( 1 ). In addition, certain accounts appear to have been reinserted without proper notice, further violating FCRA 1681i ( a ) ( 5 ). Their refusal to comply continues to cause harm to my creditworthiness and financial well-being.

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 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I was reviewing my credit report and noticed inquiries that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: GA

Complaint narrative:
Experian is reporting a XXXX XXXX XXXX on my credit file. I have obtained a letter from the XXXXXXXX XXXX XXXX confirming that the court does not verify XXXX  records with Experian or any credit bureau. This proves Experian is relying on unverifiable third-party data, not official court verification. 

I previously disputed this item, and Experian marked it as verified. When I requested proof of verification and reinvestigation, Experian provided no supporting documentation. This is a violation of FCRA 611 and demonstrates that Experian did not conduct a reasonable reinvestigation. 

I request immediate deletion of this XXXX  entry from my credit file. Supporting documentation attached. 

Attached is my certified dispute letter sent on XX/XX/year>, showing that I requested verification and 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 non-monetary relief
Consumer complaint received 2025-09-18 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: GA

Complaint narrative:
Experian is reporting a XXXX XXXX XXXX on my credit file. I have obtained a letter from the XXXXXXXX XXXX XXXX confirming that the court does not verify XXXX  records with Experian or any credit bureau. This proves Experian is relying on unverifiable third-party data, not official court verification. 

I previously disputed this item, and Experian marked it as verified. When I requested proof of verification and reinvestigation, Experian provided no supporting documentation. This is a violation of FCRA 611 and demonstrates that Experian did not conduct a reasonable reinvestigation. 

I request immediate deletion of this XXXX  entry from my credit file. Supporting documentation attached. 

Attached is my certified dispute letter sent on XX/XX/year>, showing that I requested verification and deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC.
State: NM

Complaint narrative:
I am disputing XXXX unauthorized transactions on my Ally Bank account involving nearly XXXX gallons of gas purchased at XXXX at approximately XXXX XXXX. and XXXX XXXX I did not authorize these transactions. 

Ally Bank claims that my card was presented at the time of purchase, but the XXXX station is not open at those hours. This activity is entirely inconsistent with my normal spending patterns ; I have never purchased that amount of gas, nor would I be fueling up in the middle of the night. 

Despite my repeated calls to Allys Fraud Department, general customer service, and even a supervisor, I have only been given the runaround. Allys letter states that if I request the investigation criteria, it will be sent to me. The supervisor said she'd provide this information, but never did. 

XXXX has provided me with a transaction report confirming the times of the purchases, and I have also filed a police report. I have attached XXXX letters from Ally, the police report, and Chevrons report for your review. 

I am requesting that Ally Bank properly investigate this case, credit my account for the unauthorized charges, and provide me with the documentation they are required to send under the Electronic Fund Transfer Act ( Regulation E ).

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 monetary relief
Consumer complaint received 2025-09-18 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: FL

Complaint narrative:
In XX/XX/XXXX, an account with XXXX XXXX was fraudulently opened using my identity. I never applied for, authorized, or used this account. The account was later reported as charged off in XX/XX/XXXX with a balance of {$5400.00}, which is inaccurate and not mine. 
I also discovered that several fraudulent addresses have been added to my credit file that do not belong to me. Despite filing disputes with the credit reporting agencies and identifying these items as identity theft, the account and addresses remain. This has caused significant harm to my credit and financial standing. 

PELASE SEE ATTACHMENTS :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: GA

Complaint narrative:
Jefferson Capital Systems and XXXX  are reporting a collection account tied to a XXXX Bank auto loan that has already been fully satisfied. I hold a certified Lien Satisfaction dated XX/XX/XXXX, proving the account was paid in full and released. Despite this, Jefferson Capital continues to report it as an active collection and XXXX  publishes this false information. 

I previously disputed this account with XXXX, and they claimed it was verified. When I asked for verification and proof of their reinvestigation, no documentation was ever furnished. This is a violation of FCRA 611 ( failure to conduct a reasonable reinvestigation ) and FCRA 623 ( furnishers reporting inaccurate information ). Jefferson Capital is also in violation of FDCPA 807 ( false representation of debt ).

I request immediate deletion of this account from my XXXX  file. Supporting documents attached. 

Copies of my certified dispute letters mailed on XX/XX/XXXX are attached, showing that I requested validation and deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint against Experian Information Solutions , Inc., Equifax Information Services , LLC, and TransUnion LLC for willful and reckless violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). These violations have caused me concrete harm, including housing denials, financial injury, and emotional distress. 
1. Experian False Verification of Identity Theft Account On XX/XX/2025, Experian verified a ProCollect collection account, despite ProCollect later admitting on XX/XX/2025 to the CFPB that the account was identity theft and invalid.see CFPB complaint # XXXX This violates FCRA 605B ( 15 U.S.C. 1681c-2 ) and FCRA 607 ( b ) ( maximum accuracy ). 
2. Equifax Contradictory and Bad-Faith Responses On XX/XX/2025, Equifax stated my identity was verified and deleted items. 
On XX/XX/2025, Equifax claimed it could not locate a file. 
On XX/XX/2025, Equifax claimed my ID does not match. 
These contradictory responses are proof of failure to conduct a lawful reinvestigation under FCRA 611 ( 15 U.S.C. 1681i ).

3. Equifax Ongoing Inaccuracies Equifax continues reporting tradelines that Experian already suppressed as unverifiable ( student loan from XXXX XXXX XXXX XXXX 
They also continue to report re-aged charge-offs ( XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  ). 
This violates FCRA 607 ( b ) ( failure to assure maximum accuracy ). 
4. TransUnion CFPB Complaint Mishandled I filed a CFPB complaint on XX/XX/2025. complaint # XXXX TransUnion delayed with an interim response on XX/XX/2025, then closed the case on XX/XX/2025 as non-monetary relief. 
Their so-called relief was marking the XXXX tradeline as ACTIVE DISPUTE. 
This is not compliance with FCRA 605B ( 15 U.S.C. 1681c-2 ), which requires blocking identity theft information within 4 business days, nor does it satisfy 611 ( reinvestigation duties ).

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 2025-09-18 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: TX

Complaint narrative:
Formal Complaint Against Equifax and TransUnion XXXX XXXX XXXX XXXX XXXX I am submitting this formal complaint against Equifax and TransUnion for their violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, regarding inaccurate, inconsistent, and unlawful reporting of the following accounts : - XXXXXXXX XXXX XXXX- XXXX XXXX  XXXX XXXX Inconsistent Reporting Across Credit Bureaus Credit Bureau Account Status Balance Reported Date Closed Key Evidence of FCRA Violations Reporting account as active with balance despite charge-off ; contradicts XXXX  and TransUnion. Reporting account as closed with charge-off, inconsistent with Equifax. 

1. Contradictory account status : Equifax reports Open, while TransUnion reports Closed. XXXX  deleted the account. 
2. Inconsistent balance history : Highest balance differs ( {$0.00} vs {$8400.00} ).

3. Payment history discrepancies : Different late payment and derogatory marks across Equifax and TransUnion.

4. Failure to reinvestigate : Despite Experians deletion, Equifax and TransUnion continue to report unverifiable data. 

Requested Action : I respectfully request that the CFPB : 1. Conduct an immediate investigation into Equifax and TransUnions handling of my disputes. 
2. Require Equifax and TransUnion to provide documentation of their alleged verification from XXXX XXXX. 
3. Order the permanent deletion of the XXXX XXXX account from Equifax and TransUnion, consistent with XXXX  findings. 
4. Review the XXXX XXXX account for compliance and accuracy under FCRA standards. Conclusion : Equifax and XXXX actions demonstrate a pattern of negligence and willful noncompliance with federal law. Their inconsistent and false reporting is directly harming my creditworthiness and financial opportunities. Immediate corrective action is required. 
Attached are supporting documents including dispute letters, XXXX  deletion confirmation, and screenshots showing Equifax and TransUnions inconsistent reporting. 
request that bureaus comply with documentation of investigation procedures

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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:
To Whom It May Concern, I am disputing the following accounts that have been reinserted and are reporting inaccurately on my TransUnion credit report : 1. 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX  Both of these tradelines were previously disputed as identity theft and deleted. They remain deleted/blocked by XXXX  and XXXX, yet TransUnion reinserted them without proper notice, violating FCRA 611 ( a ) ( 5 ) ( B ).

Inaccuracies and Violations Include : No reinsertion notice provided within 5 business days ( FCRA violation ). 
Furnisher PO Box addresses fraudulently tied to me as if they were my own residence. These are not, and have never been, my addresses. 
Additional fraudulent addresses appearing on my TransUnion file which I have never lived at : XXXX  XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inconsistent bureau reporting deleted at XXXX/XXXX, yet reinserted at TransUnion XXXX 
XXXX XXXX specific errors : Reports 25 % payments made but also charge-off/closed. 
Contradictory

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 2025-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
To Whom It May Concern, I am writing in response to a received on regarding an alleged debt XXXX/XXXX  XXXX  you claim I owe. Please be advised that I am requesting validation of this debt, as is my right under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. Pursuant to this law, I respectfully request that you provide the following information : 1. The name and address of the original creditor. 2. A detailed statement of the alleged debt, including the amount and how it was calculated. 3. A copy of the original signed debt collection agreement or contract. 4. Proof that you are legally authorized to collect this debt. 5. A full accounting of payments, interest, fees, and charges applied to the alleged balance. 6. A copy of the judgment ( if any ) or other documents proving your legal right to collect this debt. Until you provide proper validation, I am requesting that all collection activity cease, including any reporting to the credit bureaus. If this debt is being reported to any credit reporting agency, be advised that failure to validate may constitute a violation of the Fair Credit Reporting Act ( FCRA ), and I will take appropriate steps to dispute the entry. This letter is sent in good faith and for the purpose of resolving any errors or misidentifications. Please respond to this request within 30 days from your receipt of this letter. regarding an alleged debt you claim I owe. Please be advised that this is not a refusal to pay, but a request for validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Pursuant to my rights under the FDCPA, I request that you provide the following information : 1. The name and address of the original creditor 2. The amount of the alleged debt, including a breakdown of all fees and interest 3. A copy of the original agreement or contract bearing my signature look the same on my Id 4. Proof that you are authorized to collect this debt 5. A complete payment history, starting with the original creditor While awaiting verification, please : * Cease all collection activities, including phone calls, letters, or reporting to credit bureaus. * Do not contact me at my place of employment. * Do not contact any third parties about this debt. If you can not provide the requested verification, you must stop all collection efforts and remove any related information from my credit reports. Please respond to this request in writing. I recommend all future communication be done via mail only. Sincerely,

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 2025-09-18 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: LA

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> - Balance {$17000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: MO

Complaint narrative:
I have submitted multiple dispute letters to XXXX, XXXX, and XXXX  regarding inaccuracies on my credit report ; however, the errors remain uncorrected. Attached are copies of the letters previously sent to each bureau, along with a table outlining the discrepancies across all three reports. I kindly request your assistance in resolving these issues as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I reached out to Venmo  customer service through chat first and didnt get anywhere or any help. Besides telling me I needed to pay the negative amount to unfreeze my account and I was trying to breakdown that with my statement that something was wrong on their behalf and they messed up something because I knew how much I had spent. While I was on the phone with the customer service I had my statement pulled up and I asked her to break it down with me and she still was saying I was negative and I was not by far and I have documentation of my monthly statement and a screenshot of my account saying Im negative in my account is frozen. Ive never had this issue in customer service was horrible and did not help me at all and just kept telling me that I needed to pay that negative amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: FL

Complaint narrative:
I was scammed under false pretense that I was buying a service and product. I tried to get my money back and filed with XXXX and with all the evidence I gave, it was in favor of the merchant that scammed me. I spent a total amount of {$440.00} One at : {$200.00} and the other at : {$240.00}. I was swindled out of my money when I was supposed to receive items. They used fake tracking and required I pay more. Chime or XXXX have not tried to help. I want my money back. 

On XX/XX/year> at XXXX I called Chime customer service and spoke to XXXX XXXX a fraudulent XXXX XXXX card transaction. I was told I could not file a dispute because the transaction was completed. I asked for a written denial or case number, and the representative refused. This violates my rights under Regulation E. I want Chime to allow me to file a fraud dispute and investigate this transaction. This was the number I called : XXXX.

Company response to consumer: Closed with explanation