vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 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: NC

Complaint narrative:
Dear Sir/Madam, I am writing to dispute several accounts on my credit report that I believe are inaccurate or require further investigation. Below are the details of the accounts in question, categorized by bureau Charged Off Accounts XXXX Account Number : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$340.00} Inquiries XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXXXXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/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 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SMITH, ROUCHON & ASSOCIATES, INC.
State: TX

Complaint narrative:
I am filing this complaint against Smith Rouchn regarding the alleged debt they are reporting under account number XXXX for {$2800.00}. I previously submitted a written debt validation request under the FDCPA 809 ( b ), and despite confirmed receipt of that request, this company has failed to provide any legally sufficient written validation of the alleged debt for well over 30 days. Under the FDCPA, once validation is requested, all collection activity including credit bureau reporting must cease until validation is properly provided, which has not occurred. Smith Rouchns continued reporting of this unverified account constitutes false, deceptive, and unfair collection practices in violation of FDCPA 1692e and 1692f, as well as violations of the FCRA 623 ( a ) for furnishing unverified and inaccurate information to the credit bureaus. Furthermore, this company is in violation of XXXX XXXX reporting standards, which require furnishers to maintain documentation verifying contractual liability, original creditor information, chain of assignment, and accurate account histories prior to reporting none of which have ever been provided to me. Smith Rouchn is currently exposing itself to statutory civil liability of up to {$1000.00} per violation under the FDCPA, plus additional damages under the FCRA for willful or negligent non-compliance, by continuing to report an account that has never been properly validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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 submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off Accounts : XXXX XXXX XXXX Account No : XXXX Date Opened : XX/XX/year> Balance : {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or XXXX  inquiries as reported. The aforementioned accounts, collections, and XXXX  inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and XXXX  inquiries are the result of identity theft and fraud.

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 2025-12-09 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or XXXX  inquiries as reported. The aforementioned accounts, collections, and XXXX  inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and XXXX  inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
on XX/XX/XXXX i received an alert that my new card ( a bank account i opened on the monday XX/XX/year> ) was used at a trucking company ( i had not received my card in the mail at this time and made no transactions in that card because i had not received it ) i called the bank the same day i noticed the transaction and put a dispute. they opened a claim and gave me a temporary credit while they investigated, a month after the claim on XXXX i saw that they had removed the amount again and called to explain that i didnt receive the card nor did i make that transaction because i was in XXXX at the time of the transaction ( the transaction was in XXXX ) i have transactions and pictures to prove i wasnt there, they escalated the claim to their highest department and today i received another notice that it was denied again. ive tried talking to them but they say since the card was used physically that they cant return my money ( the total of the transaction was {$450.00} ) they gave me incorrect information for the place were the transaction was made. i dont know what else to do because i genuinely didnt make that transaction and its a big amount of money. i attached photos to show that i had not used that card in any store only for zelles because i never received the card.

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 2025-12-09 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:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

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 2025-12-09 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: PA

Complaint narrative:
I am writing to dispute the accuracy of certain information on my credit report. The accounts listed below contain errors that require your immediate attention and correction. I respectfully request that you investigate these items in accordance with the Fair Credit Reporting Act ( FCRA ) and ensure the information is updated to reflect its accuracy. 

CHARGED OFF XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} INQUIRIES XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXX LATE PAYMENT XXXX XXXX Account Number : XXXX XXXX Account Number : 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 2025-12-09 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: NY

Complaint narrative:
I am writing to formally dispute fraudulent information listed on my credit report, pursuant to my rights under 15 U.S.C. 1681c-2, and to request the immediate block and removal of this information. For evidence, I have attached a copy of my FTC Identity Theft Report ( FTC Report Number : XXXX ). 
As stipulated by 15 U.S.C. 1681c-2, upon the filing of an identity theft report, consumer reporting agencies are required to block any information identified by the consumer as stemming from the theft within four ( 4 ) business days. 
The following items on my report are a direct result of identity theft and must be blocked : XXXX - XXXX XXXX XXXX XXXX - XXXX In compliance with 15 U.S.C. 1681c-2, I respectfully request that these accounts be immediately frozen on my credit report. This block must remain in effect for a period of no less than XXXX year, subject to extension, and during this time, no information related to these fraudulent accounts may be reported.

I have previously contacted the bureau on multiple occasions regarding these accounts, yet the matter remains unresolved. The continued presence of these inaccurate items is causing significant personal and financial hardship by obstructing my ability to secure financing for a home and other essential financial tools. Furthermore, these specific accounts have already been removed by other major credit bureaus after failing verification, which underscores the inaccuracy of their reporting. 
In accordance with my rights, I also requested verification documents and contract copies from the furnishing companies for these accounts. After the legally permissible period has elapsed ( over 60 days ), I have received no response. Given the lack of verification and their fraudulent nature, I respectfully urge you to facilitate the immediate and permanent removal of these accounts from 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 2025-12-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: MA

Complaint narrative:
Hi, I have XXXX and am currently XXXX. 
I have been a customer of Chime for many years. And for several years I've had access to a line of credit called XXXX. It started low, then went up to {$200.00}, and I have been getting deposits. 
Despite my having just gotten my deposit, when I was at XXXX last evening, I found that, I could not buy much of the things I needed, in XXXX weather I am XXXX, have a XXXX and Chime took my money after promising me access to an advance and then took it away, right after getting my moneyXXXX 
I have contacted Chime, and they explained that the XXXX balance went down because of a change in deposits, which doesn't make sense because I've been getting deposits. 
Chime stole my money, I want it back, and I never want to do business with them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

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 2025-12-09 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 consumer trying to correct inaccuracies on my credit report. The following accounts are in dispute. I request your immediate investigation of these items, as they appear to be inaccurate or incomplete. Please investigate each item and provide a resolution in compliance with the Fair Credit Reporting Act ( FCRA ). 

CHARGED OFF TRANSUNION XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$9800.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$370.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4600.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} INQUIRIES TRANSUNION XXXX XXXX XXXX : XX/XX/XXXX LATE PAYMENT TRANSUNION XXXXXXXX XXXX XXXX  XXXX Account Number : 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 2025-12-09 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: GA

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-12-09 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: FL

Complaint narrative:
I am submitting this complaint because my Experian credit report contains incorrect personal information and multiple XXXX  inquiries that I did not authorize or that are not associated with any open credit account. 

First, my personal information is not accurate : - My correct legal name is : XXXX XXXX ( Experian is reporting variations such as " XXXX XXXX XXXX '' ). 
- My correct and current address is : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX Experian is still reporting several old and incorrect addresses that I no longer use, including : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX - XXXX XXXX XXXX XXXXXXXX, FL XXXX These old addresses and name variations increase the risk of mixed files or inaccurate information. Under the Fair Credit Reporting Act ( FCRA ), Experian must maintain maximum possible accuracy in my file, but they have not fully corrected my personal information yet. 

Second, my Experian report shows multiple XXXX inquiries that are not associated with any open credit account on my report and that I do not recall authorizing. These inquiries did not result in any active loan or credit card and they are still hurting my credit scores. The disputed inquiries are : 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 I already sent a written dispute directly to Experian with copies of my ID, Social Security card, and proof of address, asking them to correct my personal information and remove these inquiries or provide proof of my authorization. I have not received a satisfactory resolution. 

Under the FCRA ( 15 U.S.C. 1681b ), a company must have a valid permissible purpose and my authorization to access my credit report. If Experian and the companies involved can not show clear documented evidence of my authorization ( signed application, recorded authorization, or digital logs ), these XXXX  inquiries should not continue to be reported and harm my credit standing. 

I am asking the CFPB to help make sure Experian properly corrects my personal information and fully investigates and resolves my dispute about these XXXX inquiries.

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 2025-12-09 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: CA

Complaint narrative:
I have no connection to the account listed on my 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 explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Selene Holdings LLC
State: FL

Complaint narrative:
I am now reapplying for a loan modification because the previous modification conducted by Selene Finance was fraudulent and not in compliance with FHA guidelines. Selene Finance previously performed a modification that increased my interest rate from 3.75 % to 8 %, which is not permitted under FHA servicing standards and constitutes both mortgage fraud and a breach of contract, as no XXXX modification or agreement was ever signed by me authorizing such a drastic interest-rate change. INCONSISTENCY IN SELENE FINANCES MODIFICATION DENIAL REASON My last loan modification was completed on XX/XX/XXXX. Selene Finance denied my XX/XX/XXXX loan-modification request on the grounds that the Account was previously modified within the past 12 months. This denial reason is factually impossible and mathematically incorrect. From XX/XX/XXXX to XX/XX/XXXX is 548 days, which equals 18 months and 1 day far beyond the XXXX timeframe Selene Finance XXXX XXXX Therefore, Selene Finance must provide a full explanation of : XXXX. Why they used a false XXXX restriction as the denial basis, XXXX. What modification they are referencing, if not the XX/XX/XXXX modification, XXXX. How their denial complies with FHA servicing requirements, since FHA guidelines do not permit servicers to deny based on investor-imposed XXXX rules when the mortgage is FHA-insured. REQUEST FOR RE-EVALUATION AND RESUBMISSION OF LOAN MODIFICATION APPLICATION USING FHA GUIDELINES ONLY Please treat this letter as my formal request for a re-evaluation and resubmission of my loan modification application. I am resubmitting all required loan-modification documents and requesting that Selene Finance XXXX XXXX new loss-mitigation review strictly under FHA guidelines and not XXXX any conventional or private-investor guidelines. Because my mortgage is an FHA-insured loan, all review, evaluation, communication, and modification decisions must comply with FHA servicing standards, HUD regulations , and the terms of my original FHA Mortgage Note. Any previous review performed using conventional investor guidelines was improper, invalid, and constitutes a servicing error. Therefore, Selene Finance must reprocess my application in full compliance with FHA requirements only and provide a written determination supported by the appropriate FHA documentation. Unless Selene Finance can provide lawful proof that my loan was ever approved, converted, or refinanced into a conventional mortgagewith a new mortgage note and agreement bearing my wet signature, Please see attached for further details

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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:
I am writing to delete the following information from my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation