vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am submitting this complaint regarding a fraudulent account being reported by XXXX XXXX XXXX on all three major credit bureaus ( Experian, XXXX, and XXXX ). 

Around the time my identity was stolen, XXXX XXXX began reporting an open credit card account under my name. The account is listed as open and shows a late payment, which I never authorized or opened. This account has severely damaged my credit standing and increased my debt-to-income ratio. 

I have no knowledge or relationship with XXXX XXXX XXXX and have never applied for or received any credit account from this company. 
I sent certified mail to XXXX XXXX XXXX requesting verification of the account, including the original signed application, account number, and proof of address. 

The company failed to provide any documentation verifying that I opened or authorized this account. 

I have attached proof of delivery of the certified mail sent to XXXX XXXX. 

I have also filed disputes with Experian, XXXX, and XXXX, and provided them with my FTC Identity Theft Affidavit and police report. 

Despite these steps, all three credit bureaus have continued to report this fraudulent account as open and valid, in violation of the Fair Credit Reporting Act ( FCRA ), which requires deletion of unverifiable accounts within 30 days of dispute. 

XXXX XXXX XXXX has failed to comply with FCRA 609 and 611, which require creditors to verify disputed information and provide documentation upon request. 
The three credit bureaus have also failed their legal duty to remove unverifiable or fraudulent information from my credit file. 

This ongoing inaccuracy has caused significant harm, including : Lowered credit score Negative payment history reported Increased debt-to-income ratio Denied credit opportunities

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 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am submitting this complaint regarding a fraudulent account being reported by XXXX XXXX XXXX on all three major credit bureaus ( Experian, XXXX, and XXXX ). 

Around the time my identity was stolen, XXXX XXXX began reporting an open credit card account under my name. The account is listed as open and shows a late payment, which I never authorized or opened. This account has severely damaged my credit standing and increased my debt-to-income ratio. 

I have no knowledge or relationship with XXXX XXXX XXXX and have never applied for or received any credit account from this company. 
I sent certified mail to XXXX XXXX XXXX requesting verification of the account, including the original signed application, account number, and proof of address. 

The company failed to provide any documentation verifying that I opened or authorized this account. 

I have attached proof of delivery of the certified mail sent to XXXX XXXX. 

I have also filed disputes with Experian, XXXX, and XXXX, and provided them with my FTC Identity Theft Affidavit and police report. 

Despite these steps, all three credit bureaus have continued to report this fraudulent account as open and valid, in violation of the Fair Credit Reporting Act ( FCRA ), which requires deletion of unverifiable accounts within 30 days of dispute. 

XXXX XXXX XXXX has failed to comply with FCRA 609 and 611, which require creditors to verify disputed information and provide documentation upon request. 
The three credit bureaus have also failed their legal duty to remove unverifiable or fraudulent information from my credit file. 

This ongoing inaccuracy has caused significant harm, including : Lowered credit score Negative payment history reported Increased debt-to-income ratio Denied credit opportunities

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: WI

Complaint narrative:
I am writing to formally express ny concerns regarding chime handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using chime numerous times and reporting discrepancies, my financial institution and chime failed to XXXX investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that chime has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
i never gave anyone permission to sell my information to credit beaurus i also deny being the owner, problem has not been resolved, its a defamation to my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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: WA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-10-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: DC

Complaint narrative:
I was contacted by Fair Collections & Outsourcing ( XXXX ) regarding a debt they claim I owe. However, I have not received a proper debt validation letter as required under the Fair Debt Collection Practices Act ( FDCPA ). I have the right to request verification of the debt before any further collection activity takes place. 

I requested that XXXX provide documentation to verify the debt, including the original creditors name, the amount owed, and proof that they are authorized to collect this debt. As of now, they have not sent the requested validation, yet they have continued to pursue collection activity. 

This has caused confusion and concern, as I am not able to confirm the legitimacy of the debt. I am asking that XXXX provide proper documentation before continuing any collection efforts or reporting to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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: CT

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party

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 2025-10-10 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: MO

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 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: LA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I rented XXXX vehicle from XXXX ( Rental Agreement # XXXX, dated XX/XX/year> ). After returning the car in good condition, XXXX charged my Apple Card {$430.00} claiming there was a windshield crack. I did not cause any damage to the vehicle and did not return it with a crack or any visible issues. 

I disputed the charge with Apple Card ( Goldman Sachs ), and the amount was temporarily credited back. Later, the dispute was reversed after XXXX supposedly provided proof. However, the only proof I ever saw was a close-up photo of a windshield crack that does not show the car, VIN, or license plate meaning there is no evidence whatsoever that this damage belonged to the vehicle I rented. When I went back to check, the file XXXX sent is now broken and no longer displays any photo at all. 

To make matters worse, I received XXXX separate damage claim emails XXXX from XXXX ( XXXX # XXXX ) and XXXX from XXXX ( XXXX # XXXX ) both referencing the exact same rental agreement and date. I only rented XXXX vehicle. This looks like a duplicate claim or administrative error, which makes the entire charge even more questionable. 

I asked XXXX to provide proper documentation : full photos of the vehicle showing the license plate, itemized repair invoices, and confirmation that the repair was actually completed. They never provided any of this information. Instead, they forced the {$430.00} charge through again even though the proof is unverified and insufficient. 

I strongly believe this is a false and unsupported charge. There is no valid evidence tying the alleged damage to my rental. The dispute process with Apple Card was handled unfairly, and XXXX has failed to provide legitimate proof. I am requesting that this charge be fully reversed and the dispute reopened for proper investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Servicer under contract with Federal Student Aid
State: FL

Complaint narrative:
I am filing this complaint because multiple inaccurate, outdated, and unverifiable negative items continue to appear on my credit reports with XXXX, XXXX, and XXXX. These include, but are not limited to, collection accounts, charge-offs, late payments, duplicate accounts, and inquiries that were not authorized by me. 

Despite submitting formal disputes to each credit bureau, these items remain without proper verification, which is a direct violation of the Fair Credit Reporting Act ( FCRA ) including Sections 602 ( a ), 607 ( b ), 609 ( a ), and 611. These sections require credit bureaus and furnishers to maintain accuracy, perform reasonable investigations, and delete or correct information that can not be fully verified. 

Specific concerns include : Collections and charge-offs that are beyond the 7-year reporting period or can not be verified.

Duplicate and inconsistent listings of the same accounts with different account numbers or dates.

Accounts showing false late payments and inaccurate payment histories.

Unauthorized hard inquiries that were never initiated or approved by me.

Federal student loan debt that was fully discharged under the XXXX  and XXXX  XXXX ( XXXX  ) program as I am a 100 % service-connected XXXX veteran. These should no longer appear on any credit report. 

The continued reporting of these items is causing ongoing harm to my creditworthiness, violating my rights under the FCRA, and showing a failure of the furnishers and bureaus to comply with federal law. 

I request that the CFPB ensure each credit reporting agency and furnisher : Conducts a full and lawful reinvestigation of all disputed accounts and inquiries. 

Deletes or corrects all inaccurate, unverifiable, outdated, or duplicate information. 

Updates my reports to accurately reflect that my federal student loans are discharged and no longer in repayment. 

Provides written confirmation of these updates. 

These violations have caused financial and emotional hardship. I am requesting immediate corrective action, compliance with all provisions of the FCRA, and full accountability from the credit reporting agencies and the furnishers involved.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-10 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: Southern Auto Finance Co
State: CA

Complaint narrative:
On XX/XX/year>, XXXX XXXX unlawfully ran my credit report via the XXXX  credit reporting agency. I never authorized XXXX  to run my credit.Santander violated USC 15 1681 ( n ) and USC 15 1681 ( o ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am filing this complaint regarding a fraudulent XXXX XXXX  account issued by XXXX XXXX XXXX XXXX that is appearing on all three major credit bureaus ( Experian, Equifax, and TransUnion ). 

This account was never opened or authorized by me. After I noticed suspicious activity and contacted XXXX XXXX directly to verify the account, they confirmed via email that this account was indeed opened fraudulently. Minutes later, they closed the account, acknowledging that it was not opened by me. 

Despite this confirmation from XXXX XXXX, all three credit bureaus continue to report this fraudulent account as open and valid, damaging my credit and violating my rights under the Fair Credit Reporting Act ( FCRA ). 
Upon discovering the account, I immediately contacted XXXX XXXX to request verification. 

XXXX XXXX responded in writing ( via email ) acknowledging my concern that the account was opened fraudulently. 

Shortly after, I received a second email confirming that the account was closed due to confirmed fraud. 

I filed disputes with Experian, Equifax, and TransUnion, attaching the proof from XXXX XXXX, my FTC Identity Theft Affidavit, and police report. 

Despite being provided with this verification, the credit bureaus have not blocked or deleted the fraudulent tradeline, as required under FCRA 605B ( Identity Theft Blocks ).

Under FCRA 605B, credit bureaus are required to block fraudulent information from a consumers file within four business days after receiving proof of identity theft and supporting documentation.

All three bureaus have failed to comply, continuing to report this fraudulent Apple Card account even after : XXXX XXXX verified it was fraudulent ; and I submitted official proof including an FTC Identity Theft Affidavit and police report. 

This ongoing inaccuracy has caused the following harm : Lowered my credit score Increased my debt-to-income ratio Added negative and false payment history Caused emotional and financial distress

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 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am filing this complaint regarding a fraudulent XXXX XXXX  account issued by XXXX XXXX XXXX XXXX that is appearing on all three major credit bureaus ( Experian, Equifax, and TransUnion ). 

This account was never opened or authorized by me. After I noticed suspicious activity and contacted XXXX XXXX directly to verify the account, they confirmed via email that this account was indeed opened fraudulently. Minutes later, they closed the account, acknowledging that it was not opened by me. 

Despite this confirmation from XXXX XXXX, all three credit bureaus continue to report this fraudulent account as open and valid, damaging my credit and violating my rights under the Fair Credit Reporting Act ( FCRA ). 
Upon discovering the account, I immediately contacted XXXX XXXX to request verification. 

XXXX XXXX responded in writing ( via email ) acknowledging my concern that the account was opened fraudulently. 

Shortly after, I received a second email confirming that the account was closed due to confirmed fraud. 

I filed disputes with Experian, Equifax, and TransUnion, attaching the proof from XXXX XXXX, my FTC Identity Theft Affidavit, and police report. 

Despite being provided with this verification, the credit bureaus have not blocked or deleted the fraudulent tradeline, as required under FCRA 605B ( Identity Theft Blocks ).

Under FCRA 605B, credit bureaus are required to block fraudulent information from a consumers file within four business days after receiving proof of identity theft and supporting documentation.

All three bureaus have failed to comply, continuing to report this fraudulent Apple Card account even after : XXXX XXXX verified it was fraudulent ; and I submitted official proof including an FTC Identity Theft Affidavit and police report. 

This ongoing inaccuracy has caused the following harm : Lowered my credit score Increased my debt-to-income ratio Added negative and false payment history Caused emotional and financial distress

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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: NY

Complaint narrative:
I am filing this complaint in accordance with the Fair Credit Reporting Act ( FCRA ) regarding inaccurate personal and account information being reported on my credit file. 
First, the address XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX is being reported as one of my previous addresses, which is inaccurate. I have never resided at this address, and its continued appearance on my credit report creates confusion in verifying my identity and may link me to accounts that do not belong to me. Under FCRA 607 ( b ), consumer reporting agencies must ensure maximum possible accuracy of consumer information, and under 611 ( a ), I am requesting a reinvestigation and removal of this inaccurate address. 
Additionally, the account XXXX ( Account XXXX. XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX is being reported as Late/Closed even though the balance is {$0.00}, and the account was fully paid and closed in good standing. Reporting late payments on a paid or closed account misrepresents my payment history and violates FCRA 623 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting information they know or should know is inaccurate. 
I am filing this complaint in accordance with the Fair Credit Reporting Act ( FCRA ) regarding inaccurate personal and account information being reported on my credit file.

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 2025-10-10 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: PA

Complaint narrative:
The fair resolution is the permanent deletion of all inaccurate late payment entries for the listed accounts, as no proper billing notices or due date documentation were ever provided. I am requesting a full reinvestigation, deletion of any unverifiable late payments, and issuance of a corrected credit report with written confirmation. 

Account Details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 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: AZ

Complaint narrative:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS AS LATE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to formally express my concerns regarding Zelle, handling of dispute, particularly in light of the recent CFPB lawsuit, highlighting significant issues with the platform, despite using Zelle, numerous time and reporting discrepancies my financial institution, and Zelle fail to investigate my claims adequately. They informed me that recovering loss. Funds was impossible, and that tracking these transactions was unfeasible. The CFPBs find indicate that Zelle has not only negligent to protect consumers, but has also allow repeat offenders to exploit the system using vulnerable to scam. The lack of accountability and transpire C is unacceptable and raises. Serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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