vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-05 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: FL

Complaint narrative:
The name of this account is XXXX  Disputes actions were done sometime in XXXX, XXXX, and XXXX. I sent a copy of the validation letter from the creditor to Equifax along with my previous complaint. 

Then Equifax responded to my complaint that their information on my credit report was accurate do to the creditor validating it. I requested a copy of the validation letter, and I never received it. Furthermore, if such validation from the creditor comes to Equifax, which creditor responded to me that they could not verify or validate. Therefore, I would like a copy of such validation so that I can forward it to my attorney for to have for my lawsuit that I will be filing for this continued reporting of incorrect information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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: WI

Complaint narrative:
b'Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https://www.ftc.gov  to file a report and Per FCRA section 605b Credit Reporting Agencies are required to deleted any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.\n\nXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   (Original Creditor: XXXX XXXX XXXX XXXX) XXXX Balance XXXX\t\nXXXX XXXX XXXX Balance XXXX\t\nXXXX XXXX XXXX   (Original Creditor: XXXX XXXX XXXX XXXX) XXXX  Balance XXXX\t\nXXXX XXXX XXXX  (Original Creditor: XXXX)\XXXX  Balance XXXX\nXXXX XXXX  (Original Creditor: XXXX) XXXX Balance XXXX\nXXXX XXXX XXXX  (Original Creditor: XXXX XXXX)\XXXX  Balance XXXX\t\nXXXX XXXX XXXX   (Original Creditor: XXXX XXXX XXXX XXXX) XXXX  Balance XXXX\nXXXX XXXX Balance XXXX\nXXXX XXXX  Balance XXXX\t\nXXXX 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

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 2025-07-05 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: LA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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: GA

Complaint narrative:
Subject : Violation of FCRA 605C XXXX  XXXX  Removal Request Denied Despite Proper Documentation Issue : This complaint is submitted against TransUnion, Equifax, and XXXX XXXX XXXX for non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically 605C ( XXXX XXXX  victim protections ), 605B ( identity theft protections ), 607 ( b ) ( accuracy requirements ), and 611 ( a ) ( reinvestigation process ). 

Summary : A formal request was previously submitted under FCRA 605C to remove negative credit items caused by identity fraud during a confirmed period of XXXX XXXX. This request was supported by all documentation required under 12 C.F.R. 1022.142, including : A signed Self-Attestation Form under 605C Written determination by a qualified official from a District Attorneys XXXX XXXX XXXX XXXX XXXX XXXX FTC Identity Theft Report Police report Proof of trafficking timeline and related financial abuse Evidence of financial losses due to exploitation Additional supporting documents ( ID, address, etc. ) Despite this, the credit bureaus failed to act as required by law. Equifax claimed the documentation was insufficient a claim that is demonstrably false. As of now : No items have been blocked or deleted under 605C No status update has been provided No Method of Verification has been disclosed Personal information remains outdated or inaccurate Previously deleted items were reinserted without notice Violations : 605C Failure to remove information related to trafficking, despite valid attestation and documentation 605B Failure to block identity theft accounts within 4 business days 611 ( a ) ( 7 ) No Method of Verification provided for disputed items 607 ( b ) Failure to ensure maximum possible accuracy 611 ( a ) ( 5 ) ( B ) Unlawful reinsertion of previously deleted items 1681b ( g ) Failure to safeguard personal data

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL, XXXX [ Social Security Number : XXXX [ Date of Birth : XX/XX/XXXX [ Phone Number ] : XXXX [ Email Address ] : XXXX [ Date ] : XX/XX/XXXX To : [ EQUIFAX ] XXXX XXXX XXXXXXXX XXXX, GA XXXX Subject : Request for Removal of Obsolete Personal Information RE : Removal of Old Address and Employment Information To Whom It May Concern : [ EQUIFAX ] I am writing to formally request the removal of outdated personal information from my credit file under my rights provided by the Fair Credit Reporting Act ( FCRA ). The following information appearing in my credit report is inaccurate and no longer associated with me : Old Address ( es ) to be removed : XXXX XXXX XXXX XXXX XXXX, XXXX Fl, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Please update my credit report to reflect only the current and accurate personal information listed below : Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX Current Employer : N/A Enclosed are copies of my government-issued ID and a recent utility bill or bank statement as proof of my current address. 

Please complete this investigation and send me written confirmation once the outdated information has been removed. I expect a response within 30 days as required by the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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: PA

Complaint narrative:
Im XXXX XXXX, and Im personally filing this complaintthere is no third party involved. Im trying to buy a home, but incorrect and unauthorized information on my credit report is blocking my progress.

Under 15 U.S. Code 1681b, I never gave written consent, so reporting this is a rights violation and considered fraudulent.

This has delayed both my home and business plans. Please take urgent steps to fix this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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: CT

Complaint narrative:
There are a lot of discrepancies on 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 non-monetary relief
Consumer complaint received 2025-07-05 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: MO

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I made an agreement with Synchrony Bank " amazon XXXX  '' to pay a settlement amount of {$490.00} to close the account. I made 2 payments. ( XXXX XXXX XXXX ). I reached out to credit bureaus for the information to be updated and in return Synchrony updated as still being charged off. As per the agreement, they were to report to credit bureaus that the account was paid. This is not in good faith as I did my part as paying as agreed for the settlement. I need this information updated correctly. Today I looked at my Transunion account and there is a duplicate account listed as " charge off '' date reported XX/XX/year>. Not sure where this came from but it needs to be deleted. ( XXXX XXXX XXXX XXXX ) Let 's look at the facts, Amazon wasn't even in existence and I was XXXX XXXX XXXX! I had to wait too long for the letter where it should have been given to me 7-10 days after the last payment was made. As of today I still don't have the letter. Customer service representative says it was mailed yesterday.

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 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
in XXXX of XXXX i purchase a XXXX  hard top online from a company " XXXX XXXX XXXX '' that was about XXXX. I financed it through " Affirm ''. The item never came, and i alerted Affirm a few different times about that but they didnt do anything about it and just claimed i still owed them. i reached out to XXXX XXXX XXXX and they gave me the run around stating i need to deal with it through affirm. Affirm put my account into collections which hurt my credit history and continues to hurt it claiming a charge off late every month since. I disputed it with affirm and they denied it, i disputed it to experian and they denied it as well. I looked at online reviews of XXXX XXXX XXXX and it looks like this has happened to many other people, not just me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: TX

Complaint narrative:
XXXX XXXX XXXX, filing this complaint personallyno third party is involved. Theres incorrect information on my credit report thats affecting my ability to buy a home. 
Ive waited for a response, but nothing has been done. This delay has caused stress and is affecting major plans in my life. Please correct this issue after reviewing the letters Ive submitted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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: FL

Complaint narrative:
I called XXXX to pay the balance of {$120.00} that I owed and they informed me that the debt was too old to collect on. They said they will send me a letter to present to each credit bureau and they did. I have called Experian several times and explain to them that they need to remove the error and sent them a copy of the letter and did the same to the other two bureaus, XXXX  and XXXX  who verified that the letter was authentic and removed the information. Experian on the other hand has vehemently refused to remove the information and keeps reporting it monthly and it has caused not only mental distress but dropped my score and shed negative light on my ability to even get a mortgage approval. I last called them on XX/XX/year>XXXX  where a man who answered said he spotted the problem and he was going to use a different code to get the information removed but earlier I got a notice and they are still reporting the wrong information so that is why I had to contact you. I need your help, thanks. I have already put my money in escrow and I cant afford to lose because this company is irresponsible, please help me, thanks. I will attach the letter from 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 2025-07-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
On XX/XX/year> Wells Fargo Bank repossessed my vehicle with no notification of doing so. I was financially struggling because of COVID-19 and it was nothing I could do about it. I was never contacted about the lawsuit that was in place and I know I'm definitely owed compensation. I lost everything because I lost my car.

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 2025-07-05 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: MD

Complaint narrative:
My name is XXXX XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report. 
Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

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 2025-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: CA

Complaint narrative:
I received a series of email notifications from chime.com that an account had been opened, accessed, and that a debit card was sent to me. 

I had not opened this account or authorized one to be opened for me. 

I contacted chime.com customer service and they verified that an account had been opened with my email address, but in someone else 's name. They could explain how it was opened. 

They removed my email from the account but did not explain if there were any risks of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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: MD

Complaint narrative:
I, XXXX XXXX, am personally disputing false information on my credit reportno one else is involved. 
These errors are blocking my ability to buy a home, and despite my patience, no corrective steps have been taken. 
This situation is impacting my life and future plans. I urge you to review the attached documents and resolve the issue immediately.

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 2025-07-05 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: CA

Complaint narrative:
I requested and disputed items on my credit report that are hurting my score, and they simply said " meets requirements and bank or lender validated debt '' which is not right. They can't just tell me that and expect me to let it slide. There are things like monthly payment amounts are the entire collection or charge off balance! Talk about hurting my credit utilization. But there's so much more, date of first deliquency 's pre dating the account opened date. I've outlined everthing for you and Equifax. They ignored me, which is why I reached out to you to help me. I know you are on my side.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I am filing a formal complaint against Credence Resource Management for engaging in unlawful credit reporting activity, mishandling my personal data, and violating my rights under federal law. This company previously reported a collection account to my credit file, which was later removed. However, the same account was then reinserted on my credit report without my consent or any written notification. 

I have no knowledge of this company, nor do I have any known business relationship with them. I did not authorize any original creditor to share my private personal information or financial data with Credence Resource Management. I never received any communication from this company explaining the nature or origin of this alleged debt. 

By re-reporting this item without proper verification, authorization, or written notice, Credence Resource Management has violated several federal consumer protection laws. 

Legal Violations Include : Under the Fair Credit Reporting Act, 15 U.S. Code 1681i ( a ) ( 5 ) ( B ), if a previously removed item is reinserted into a consumers credit file, the furnisher must certify that the information is complete and accurate, and the consumer must be notified within five business days. I was never notified of this reinsertion, and I was not given the opportunity to verify or challenge the debt.

Under the Fair Debt Collection Practices Act, 15 U.S. Code 1692g ( a ), a debt collector must provide written notice of the debt, including the name o
f the creditor and the amount, and inform the consumer of their right to dispute it within thirty days. I never received this required communication from Credence Resource Management.

Under the FCRA, 15 U.S. Code 1681s-2 ( a ) ( 7 ), if a creditor or collector intends to report negative information to a credit bureau , they must notify the consumer in writing within thirty days. No such notice was ever provided to me before this collection was reported or reinserted into my credit file.

Additionally, I am concerned that my private identifying information, including sensitive financial data, was shared with this company without any legal basis or consent on my part. This may constitute a serious privacy breach and misuse of consumer data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY

Complaint narrative:
On Thursday XX/XX/XXXX Wells Fargo refused to replace my ATM debit card well I'm overseas in XXXX retired. They quote company policies that do not align with federal identity varification law. I have them on recorded Video committing several federal crimes including illegal coercion under extreme duress, intentional infliction of emotional distress exacerbating XXXX XXXX  veterans XXXX conditions. I can not access my funds in any way including secondary financial programs Like XXXX. I'm gon na run out of food soon. this is a serious emergency I need help. They claim the federal government restricts them to verify identity ONLY via text message to a XXXX based phone number, which I would not receive over here, and is an absurd idea. the law says they have to verify identity but do restrict them to only one way. I can use my passport to verify identity and they know that yet they still won't follow the law. I do need help immediately! It is a threat against my life and i'm extreme mental anguish, without any access to my XXXX. I don't have time for court and no other sources.

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 2025-07-05 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: FL

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report.

Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

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