vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a complaint against XXXX  XXXX XXXX for falsely reporting fraud to XXXX  after I was the victim of a scam. 

I sold an item on XXXX and received a cashiers check from the buyer. I deposited the check into my XXXX  XXXX XXXX account believing it was legitimate. I had no reason to suspect it was fraudulent. A few days later, XXXX  XXXX XXXX closed my account without warning. I later discovered that they reported me to XXXX  for fraud. 

I was the victim of fraud, not the person committing it. The scammer used a fake cashiers check to deceive me, and XXXX  XXXX XXXX classified me as a fraud risk without a proper investigation or chance to respond. As a result of their actions, I have been locked out of the banking system, denied by other banks, and flagged in XXXX  as a fraudster. 

I have submitted a written dispute to XXXX  XXXX XXXX and requested that they remove the false report from XXXX, but they have not resolved the matter. This has caused me financial harm, reputational damage, and emotional distress. 

I am asking the CFPB to investigate this matter and require XXXX XXXX XXXX to : Remove the inaccurate fraud flag from XXXX  Provide written confirmation that I was misclassified Compensate me for any losses or damages if applicable

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$100.00} XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$270.00}

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 2025-07-15 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have had this card since XXXX  if not earlier. My account was hacked and XXXX was stolen and never recovered and I tried to close my account after receiving replacement cards that were already compromised. I used to call every day for a month straight. Nobody spoke XXXX or I would be disconnected on purpose. I have run out of patience with this company bluebird. Ive tried several ways to withdraw my money with no success. I have XXXX different cards they replaced because of the compromises. And none of them work. I still have money in the account and have tracked where the ach withdrawal went and XXXX did NOTHING THIS HAS BEEN GOING ON FOR SEVERAL YEARS. 

I still get monthly statements and I cant access ANY OF IT.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-15 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: NC

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX Date : 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 2025-07-15 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: SC

Complaint narrative:
PLEASE SEE ATTACHED RELATING TO Consumer Financial Protection Bureau, PLAINTIFF Experian Information Solutions , Inc., DEFENDENT Case Number : XXXX SPECIAL ATTENTION TO THE FOLLOWING PARTIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CONSUMER FINANCIAL PROTECTION BUREAU 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau

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 2025-07-15 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRIES XXXX XXXX XXXX Date : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Servicer under contract with Federal Student Aid
State: NY

Complaint narrative:
Called XXXX XXXX  number ( XXXX ) listed on the website ( XXXX XXXX XXXX ) the website states " call the number ( XXXX ) for updates on a case. I called the number on Monday XX/XX/year>, spoke with a rep named " XXXX '' who did not provide a last name or an id number to verify herself. " XXXX '' proceeded to ask me several questions : my first and last name ( I had to spell it too ), date of birth, contact phone number, social security number and email address. AFTER providing ALL of that information I asked " XXXX '' about the email I recieved from borrower defense regarding my case # XXXX, it was not visible on the website when I log in to my account on the website. " XXXX '' told me to disregard the case number as only the school matters ( XXXX XXXX ) she said my case was going to close as I applied many times and it would take 3 years to reach a decision on my case. I have the email from XXXX XXXX confiriming receipt of my claim. I provided ALL documentation to have my federal loans discharged ( XXXX diploma, transcript from XXXX XXXX, XXXX XXXX article confirming confirming settlement from XXXX college students and judgement from the court case confirming the appeal in favor of XXXX students. " XXXX '' did not provide any updates or assistance to me regarding my case and when.I asked for a supervisor she sad someone would call me back. This behavior is very deceptive and predatory.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting this complaint against Experian due to its continued failure to accurately reflect my correct legal personal information in my credit file. Despite multiple attempts to correct it, my Experian credit report continues to display incorrect name and address data that I have never used or authorized. These include listings such as XXXX XXXX XXXX as an alias, and outdated or erroneous addresses like XXXX XXXX XXXX XXXX, GA XXXX and XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX. These are not and have never been valid or current representations of my legal identity or residence. 

My correct full legal name is XXXX XXXX, and my only current and valid address is XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX. I have provided Experian with all the necessary documentationgovernment-issued ID, utility bills, proof of addressto support these corrections. Yet, the erroneous entries remain on file, which signals a failure by Experian to fulfill its duty under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which mandates that credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

The continued display of these inaccurate personal identifiers is not harmless. These errors can and do affect the matching of accounts, potentially attributing someone elses data to my profile or creating confusion during credit application reviews. This has already caused delays and denials in legitimate applications and introduced unnecessary skepticism when my identity must be verified by lenders or background check providers. I should not be burdened with explaining discrepancies that should never have been there in the first place. 

Furthermore, Experian is obligated under 15 U.S.C. 1681i ( a ) to conduct a timely and reasonable reinvestigation when a consumer disputes inaccurate or incomplete information. I followed proper procedures and submitted supporting documentation, and yet Experian has not fulfilled its legal obligation to update or remove the erroneous personal information. The lack of corrective action not only violates my rights but also causes emotional distress and undermines my confidence in the integrity of the reporting system.

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 2025-07-15 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: MD

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$440.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$120.00} INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date XXXX XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XXXX/XXXX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: MA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$0.00}

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 2025-07-15 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: MD

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$440.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$690.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$120.00} INQUIRIES : XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : 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 2025-07-15 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: FL

Complaint narrative:
New development : On XX/XX/year>, I received a new invoice from XXXX showing a {$0.00} balance. 

This appears to confirm that the debt was sold or transferred to a third party. 

However, XXXX is still reporting the account as a charge-off with a full balance on my credit report. 

Why this is a problem : If XXXX sold or transferred the debt, they should not continue reporting a balance. 

This violates FCRA 623 ( a ) ( 1 ) ( A ) furnishers must report accurate information. 

They also never issued a 1099-C, which is required if a debt is charged off or forgiven over {$600.00}. 

This may violate IRS Code 6050P. 

The invoice, payment history, and credit report all show different amounts, creating confusion and inaccuracy. 

I also dispute the validity of this account entirely Ive never received full documentation proving I owe this personally. 

What happened Previously : In XX/XX/year>, I noticed that XXXX XXXX was reporting a charged-off account on my personal credit report. 

I disputed the account with the credit bureaus and requested validation from XXXX. 

XXXX responded with limited documents, but they never provided full verification or a method of verification, as required by law. 

Their representative stopped responding after I followed up with questions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am writing to dispute an account that is being reported on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) pursuant to 15 U.S.C. 1681c-2. Therefore, I respectfully request that this information be blocked or deleted immediately.

I am enclosing a copy of my Identity Theft Report issued by the Federal Trade Commission ( FTC ), FTC REPORT NUMBER : XXXX, XXXX, as supporting evidence for my claim. 

According to 15 U.S.C. 1681c-2, once a consumer submits an identity theft report, credit reporting agencies are legally required to block any information identified by the consumer as resulting from such identity theft within four ( 4 ) business days. 
The following information in my credit file is the result of a clear FCRA violation and must be blocked immediately : XXXX - XXXX XXXX - XXXX XXXX OF XXXX - XXXX XXXX OF XXXX - XXXX XXXX OF XXXX - XXXX XXXX OF XXXX - XXXX Additionally, 15 U.S.C. 1681b, which states that a credit reporting agency may not include information in a consumers file unless there is a valid authorization or permissible purpose. I never authorized the opening or reporting of this account, and there is no signed contract or consent from me that justifies its inclusion in my credit report. 
Therefore, the continued presence of this account constitutes not only a result of identity theft but also the unauthorized use and disclosure of my personal information, in direct violation of the FCRAs requirements. 
In accordance with 15 U.S.C. 1681c-2 and 1681b, I respectfully request that this account be blocked and deleted immediately from my credit report and that it no longer be reported in any manner. 

I have contacted Equifax on multiple occasions to report these accounts, but I have yet to receive a clear or definitive resolution to this matter. This situation is causing me serious harm, as I am in the process of purchasing a new home for my children and seeking financial tools to support my economic growth. 

These negative accounts are blocking my opportunities and causing both personal and financial damage. 

Furthermore, these accounts have already been deleted by other credit bureaus, as they were unable to verify them under the procedures required by law. I do not understand why this agency continues to report this account on my credit file. 

I have also requested copies of any contracts related to these accounts from the company reporting them, and after more than 60 days, I have not received a single response. This further supports the fact that there is no verifiable evidence or legal basis for continuing to report this information. 

I respectfully request that you assist me by removing these accounts immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Checkr, Inc
State: PA

Complaint narrative:
am writing to formally escalate an issue regarding my background check, which has now been stuck in In Review status for over 30 days.

Despite providing all necessary court documents, proof of case dismissal, and evidence clearing me of any wrongdoing, my background check has not been completed. This delay is unreasonable and harmful.

According to the Fair Credit Reporting Act ( FCRA ), background check companies like Checkr are legally obligated to complete investigations and corrections within 30 days of receiving a dispute or additional documentation. Your failure to do so puts you in direct violation of federal law.

This issue is preventing me from working with XXXX, causing financial hardship and emotional distress. I have exhausted all normal communication channels and received no resolution.

I am now taking the following steps : 1. Filing an official complaint with the CFPB ( Consumer Financial Protection Bureau ) 2. Notifying the Federal Trade Commission ( FTC ) 3. Considering legal counsel for further action if this matter is not resolved immediately My Formal Request : Immediate review and finalization of my background check Removal of any incorrect records already proven to be resolved or dismissed Written confirmation of resolution within the next 5 business days If no action is taken within this timeframe, I will proceed with legal steps without further notice.

Please consider this my formal demand for immediate resolution. 
XXXX XXXX XXXX. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: MI

Complaint narrative:
I sent the proofs I had on my part so did the auction company and they said they didn't see the transactions on their end.how could they not I gave them proof!

Company response to consumer: Closed with explanation