vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-15 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX Date : XX/XX/year> Subject : Credit Report Dispute Under FCRA ( 15 U.S.C. 1681e ( b ) and 1681i ( a ) ( 5 ) ( A ) ) To Whom It May Concern, I am writing to formally dispute inaccurate information contained in my credit report, as provided on XX/XX/year>, under the name XXXX XXXX XXXX. The following accounts include information that I believe to be either incomplete, outdated, unverifiable, or inaccurate, and I am requesting their immediate investigation and correction or removal, in compliance with the Fair Credit Reporting Act : XXXX. XXXX Account - Account Number Ending in XXXX This account shows late payments reported for early XXXX, but no verification has been provided to substantiate the validity of these delinquencies. 
I dispute the reported past due amounts and the payment history shown for XXXX, which I believe to be inaccurate or outdated. 

XXXX. XXXX Account Number Ending in XXXX This account reflects a charge-off status and shows multiple late payments. 
As per my records, I have never received proper validation or notification as required, and I am requesting proof of debt ownership and payment history. 

XXXX. XXXX XXXX XXXX Account XXXX XXXX in XXXX This account lists a collection status with a balance of {$800.00}, which I dispute in full. 
I request that you verify the original creditors documentation to support this claim or remove it per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

Under 15 U.S.C. 1681e ( b ), you are required to ensure that all information furnished is accurate and up to date. Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), any information that can not be verified within the required 30-day period must be deleted from my credit file. 

Please investigate these matters and provide me with written confirmation of your findings. If you are unable to verify the accuracy of the information, I request that it be removed immediately from my credit file. 

Please confirm receipt of this dispute and notify me of the results of your investigation in writing. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-06-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Personal information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I am requesting immediate assistance in having a derogatory auto loan account from Credit Acceptance Corporation removed from my credit report due to persistent inaccuracies and failure to properly validate the debt. 

The account was initially reported under an incorrect version of my name, which did not match my legal identity. This raises serious concerns about the accuracy and ownership of the account. Under 15 U.S.C. 1681e ( b ), furnishers and credit bureaus are required to ensure maximum possible accuracy which clearly was not followed in this case.

I have not had any recent activity or communication with XXXX XXXX since this account entered default around early 2020, yet they continue to update the account every single month as XXXX days late. This is misleading, harmful, and appears to be a deceptive attempt to re-age the debt, which violates 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ).

I submitted a written dispute and debt validation request under 15 U.S.C. 1692g ( FDCPA ), and XXXX XXXX failed to respond with proper validation no signed agreement, no payment breakdown, no proof this debt is mine. Without proof, this debt should not be reported. 
Following my dispute, the account information was updated without my knowledge or consent, including changes to the name and account details. This violates 15 U.S.C. 1681i ( a ) ( 5 ), which requires that disputed information be either verified, corrected, or deleted and I was not given any documentation or results from any investigation. 
Because this account was reported inaccurately, not properly validated, and continues to be updated in a way that misrepresents its status, I am requesting that this account be removed entirely from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: CA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : 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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hello I wanted to reach out to you all because of things on my credit i know nothing about. 
XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX. These accounts were open without my permission. I'm doing this on my own behalf and request your assistance with removing these accounts off my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: IL

Complaint narrative:
Hello I wanted to reach out to you all because of things on my credit i know nothing about. 
XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX. These accounts were open without my permission. I'm doing this on my own behalf and request your assistance with removing these accounts off my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: KY

Complaint narrative:
To : Sunrise Credit Services XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Subject : Request for Debt Validation and Notice of FDCPA Violation To : Whom It May Concern, I recently discovered a collection account from your agency listed on my credit report. This was the first notice I received regarding this alleged debt, and I have not been contacted by your agency prior to this reporting.

Under the Fair Debt Collection Practices Act ( 15 U.S.C & 1692g ), I am entitled to receive a written notice of debt and my right to dispute it. You failed to provide such notice before reporting to the credit bureaus, which may constitute a violation of the FDCPA.

Please provide me with the following information : 1. The amount of the alleged debt ; 2. The name and the address of the original creditor ; 3. A copy of any agreement or judgement bearing my signature 4. Proof that I am legally obligated to pay this debt to you 5. The original purchase agreement that shows you are the legal owner of this alleged debt and please include all the terms and conditions that are included in the purchase agreement In addition, I am also requesting the following documentation : - Proof of your licensing, including your license number and bonding to collect debt in my state - A copy of the Assignment Contract or Piurchase Contract authorizing you to collect this specific alleged debt.

- A complete and detailed payment history, including the breakdown of how the debt amount was calculated { principal, interest, fees, etc ) - Information on whether any insurance claims have been filed or paid out in connection with this debt - The Chain of Title showing a full legal transfer of ownership of the debt from the original creditor to your agency UNTIL YOU PROVIDE PROPER VALIDATION : - Cease all collection activity - Do not contact me by the phone - Remove the account from my credit report IMMEDIATELY until the debt is Validated.

This letter serves as notice that I dispute this debt in its entirety. I also reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General if my rights are not respected

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I am the victim of identity theft and filed an FTC Identity Theft Report ( Report ID : XXXX ). In XX/XX/XXXX, I discovered unauthorized accounts and inquiries on my credit report that I did not initiate or authorize. These fraudulent accounts are now negatively affecting my credit. 

To address this, I filed a formal identity theft report with the FTC on XX/XX/XXXX, and contacted all three major credit bureaus ( XXXX XXXX XXXX XXXX ). I requested a credit freeze, placed fraud alerts, and submitted disputes regarding the unauthorized accounts. I also provided each bureau with a copy of my FTC Identity Theft Report and supporting documentation. 

Despite taking these steps, some companies continue to report the fraudulent accounts as valid. They have not removed the accounts or corrected the false information, which is in violation of the Fair Credit Reporting Act ( FCRA ). This ongoing inaccuracy is damaging my credit and causing significant stress.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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:
On XX/XX/year> I recieved a text from Chime saying my account had been frozen with a web link included to unfreeze my account. When I clicked the link I was taken to a chime web page to login with my Email and password. Once done I was informed I'd recieve a one time numerical code via text to verify it was me. Once receiving the code I was informed I was verified but the message on the site page called me XXXX not my name " XXXX '' I immediately called Chime support and was verified over the phone to change my password however bybthis point all my savings and credit card balances had been transferred to my checking account and a {$1000.00} transfer had been made to an external credit card I did not own and a fee was also charged to me. Also, at this point, my address had been changed to XXXX NY whereas I live in MI. CHIME assisted me in correcting the address as well as a password change but would not change my account after these things happened. I was able to offer screenshot evidence of the scam text I recieved, the address my account was changed to via a Email I recieved after it had been changed to XXXX NY, AND the last four digits of the XXXX the {$1000.00} transfer was fraudulently made to. I have now been denied my dispute twice with chime stating no error has occured.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 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: OH

Complaint narrative:
I was checking to see if the prior inquiry was removed from credit report and another one was on there from XXXX XXXX please remove ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

FRAUDULENT ACCOUNTS : Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2025-06-15 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Personal Statement Personal Statement Personal Statement there are two fraudulent accounts on my credit reports XXXX XXXX XXXX dir XXXX milestone card for XXXX i did not open these accounts, these accounts were open woth out my knowledge, XXXX XXXX XXXX for XXXX this is not my acocunt this was open with out my knowledge and Equifax has had a severe data breach, which was leaked on thr dark web was open up during the pandemic, my information was used with out my knowledge and this account is fraudulent, i want this account removed off my credit report, i did not open this account period rhey are failing to see how much information i have reported XXXX XXXX card for XXXX this account was open during the pandemic, my information was leaked because of data breach caused by XXXX and XXXX XXXX please remove this account it is fraudulent this account is not mine these three accounts were oprn with out my permission, these three accounts were open fraudulently, i do not recognize abt of these three accounts plesse remove

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: TX

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

1681c-2 ) that you, the XXXX  credit reporting agency, 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 XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/scrub>XXXX Balance : {$510.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$510.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2025-06-15 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: FL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was over my credit balance BUT paid my balances down ON XX/XX/year>. It took them nearly two weeks to allow that available credit to be available because they stated it was unusual activity. My available balance finally updated after three weeks, however, the information that my credit cards ARE NO LONGER OVER THE LIMIT has yet to be updated to the credit bureaus and it is hurting my credit score. 

My capital one quiksilver card has a credit limit of {$1000.00} and an available credit limit of {$720.00}. 

My capital one platinum card has a credit limit of {$800.00} and an available credit limit of {$400.00}. 

It is still showing me as using ALL OF MY AVAILABLE LIMIT which continues to keep my usage high on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: CA

Complaint narrative:
b'This CFPB complaint has been filed to request pursuant to FCRA  605B (15 U.S.C.\n  1681c-2) that you, the XXXX  credit reporting agency, block information\n appearing on my consumer credit report that is the result of identity theft and fraud\n within 4 business days of you receiving this complaint. The following items do not\n belong to me and is a result of fraud that I did not authorize:\n Also, would like to have all addresses and names REMOVED from my credit report,\n except\n for my only name and address listed below: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 non-monetary relief
Consumer complaint received 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NH

Complaint narrative:
RE : CFPB XXXX XX/XX/year> Experians response to the above captioned CFPB case is less than satisfactory : XX/XX/year> XXXX score : XXXX a paltry XXXX point increase from the XX/XX/year> score which was a downward spiral from the XX/XX/year> FICO score of XXXX. 

Chronology : XX/XX/year> XXXX score : XXXX XX/XX/year> XXXX score : XXXX XX/XX/year> XXXX score : XXXX XX/XX/year> XXXX score : XXXX None of the decreases address why, including the XX/XX/year>! Again, why? I am unable to correct any score without knowledge of a specific area of supposed needed improvement. Experian seems to be unwilling to cooperate and appears to toy with my credit record. 

I work assiduously to maintain a stellar credit record. I seek your assistance in this endeavor. I am contemplating involving the media. Thank you in advance for your assistance. 

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 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I called and asked if the account was still opened to make a payment towards my line of credit and was told yes that I could and that the account was still opened. I paid {$420.00} for past payments due and my available credit was immediately ready to access, however, they updated to the credit bureaus that I was 60 days late and that my balance increased WAY OVER MY CREDIT LIMIT when it is paid DOWN.

Company response to consumer: Closed with explanation