vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I demand the immediate deletion of the following accounts, which are being inaccurately and improperly reported on my credit file. I am a documented victim of your data breach, and I will not accept the reporting of unverifiable, compromised, or fraudulent information tied to my personal identity. 


XXXX. XXXX  | Acct. # XXXX XXXX XXXX XXXX XXXX Original Creditor : Not identified ( -- ) Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Date Reported : XX/XX/XXXX Balance : {$200.00} Status : Derogatory Issues : Original creditor not provided, reporting dates inconsistent, account derogatory without verification, linked to compromised data. 


XXXX. XXXX XXXX | Acct. # XXXXXXXX XXXX XXXX XXXX XXXX Original Creditor : Not identified ( -- ) Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Date Reported : XX/XX/XXXX Credit Limit : {$400.00} | Balance : {$730.00} Last Payment : XX/XX/XXXX Status : Derogatory Issues : Original creditor not provided, account closed in XXXX but reported in XXXX, balance inaccurately exceeds credit limit, worst status Unknown, derogatory status unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: MI

Complaint narrative:
It has come to my attention that my personal information has been exposed in a national data breach. I notice some accounts I am not familiar with, so I have asked the CRSs to validate the debt. I have uploaded my FTC report and supporting documents. Please note that verification is not validation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Since 2021, Capital One has engaged in unlawful and unfair practices regarding my account.

Specifically, Capital One has engaged in unfair and deceptive practices, including but not limited to : Reporting a credit card account that I dispute as inaccurate.

Failing to provide proper validation of the alleged debt or account details.

Reporting incomplete, unverifiable, or misleading information to the credit bureaus in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Failing to provide documentation proving my legal responsibility for this account, in violation of the Fair Debt Collection Practices Act ( FDCPA ) and FCRA reporting standards.

Charging unauthorized fees and misapplying payments.

Increasing interest rates without proper notice.

Continuing to report inaccurate information to the credit bureaus despite multiple disputes.

I have contacted Capital One numerous times by phone and through written dispute letters. Despite providing proof, Capital One has failed to resolve these issues.

As a direct result of these unlawful practices, I have experienced : Credit score damage Financial loss Denial of credit Emotional distress and stress Requested Relief : I request that Capital One : 1. Immediately correct the reporting errors and remove all inaccurate information from my credit reports.

2. Provide full validation of the alleged account, including original signed agreements and payment history.

3. Refund all unlawful charges and fees.

4. Provide written confirmation of resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
incorrect info was provided, addresses that do not belong to me, incorrect balances, auto loans that i did not have.inquiries i didnt authiorize.

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 2025-09-28 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Someone tried opening a Best BuXXXX XXXXXXXX XXXX, My Best Buy Credit Card and a My Best Buy XXXX XXXX under my name. The application was denied, but it is concerning. Someone is trying to use my ID to open retail cards under my name.

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 2025-09-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Personal information incorrect
Company: DISCOVER BANK
State: FL

Complaint narrative:
Incorrect DOB on account and card opened prior to turning XXXX. Fraudulently opened account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: FL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2025-09-28 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 checked my latest credit report and noticed multiple fraudulent accounts that do not belong to me reporting negative on my file. I do not recognize these accounts and I demand immediate action in deleting of them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-28 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 checked my latest credit report and noticed multiple fraudulent accounts that do not belong to me reporting negative on my file. I do not recognize these accounts and I demand immediate action in deleting of them

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 2025-09-29 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: FL

Complaint narrative:
I am writing to file a formal complaint against TransUnion, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. 
I sent a letter to TransUnion notifying them of the reinsertion of XX/XX/XXXX ( XXXX ) into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section XXXX ( B ). Despite waiting for XX/XX/XXXX days after sending the letter, TransUnion has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations. 
TransUnion 's actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with TransUnion, they have neglected to take appropriate action, demonstrating a lack of accountebility and compliance with federal consumer protection laws.

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 2025-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc.
State: TX

Complaint narrative:
I have an account from kikoff Lending reporting on my credit profile inaccurate information. The account is reporting as charged off/ closed but it's reporting a balance in the amount {$420.00} which is negatively impacting my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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:
This complaint is being submitted because inaccurate and unauthorized accounts are appearing on my credit report. I did not create or authorize these accounts, and I was not notified when they were added. The inconsistent reporting across all three bureaus is in clear violation of the FCRA, 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to ensure accuracy.

The bureaus are also in violation of 15 U.S.C. 1681i, which requires disputed items to be investigated and corrected or removed within 30 days, and 15 U.S.C. 1681g, which entitles me to accurate and complete information about my 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 2025-09-29 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:
This complaint is being submitted because inaccurate and unauthorized accounts are appearing on my credit report. I did not create or authorize these accounts, and I was not notified when they were added. The inconsistent reporting across all three bureaus is in clear violation of the FCRA, 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to ensure accuracy.

The bureaus are also in violation of 15 U.S.C. 1681i, which requires disputed items to be investigated and corrected or removed within 30 days, and 15 U.S.C. 1681g, which entitles me to accurate and complete information about my 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 non-monetary relief
Consumer complaint received 2025-09-28 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: TX

Complaint narrative:
I checked my latest credit report and noticed multiple fraudulent accounts that do not belong to me reporting negative on my file. I do not recognize these accounts and I demand immediate action in deleting of them

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 2025-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: WI

Complaint narrative:
I am reporting unauthorized electronic fund transfers from my Chime checking account. 

XXXX XXXX XX/XX/year> Between approximately XXXX XXXX and XXXX XXXX., XXXX unauthorized transactions occurred : XXXX for {$20.00} and XXXX for {$25.00}, for a total of {$90.00}. 
During this period my Chime account was compromised by a phone number that is not mine, and I was repeatedly logged out of my account without reason. 

I immediately regained access and filed a dispute the same day, speaking with Chimes fraud department. I explained that these charges were not authorized by me in any way. Chime required me to perform repeated troubleshooting steps ( logging in/out, reinstalling the app ) that did not address the breach. 
Despite my prompt report, Chime later denied the dispute, claiming a lack of documentation, even though I clearly stated the transfers were unauthorized. 

XXXX XXXX XX/XX/year> On this date, an additional {$600.00} was transferred out of my account without authorization. My account was once again compromised. I filed a second dispute immediately. 

Security Measures and Chimes Response Chime offers both physical and virtual cards. I requested new card numbers after the first incident to secure the account, but I was unable to access my virtual card for two days and received minimal assistance. 
Chimes representatives continued to give the same ineffective troubleshooting instructions instead of properly investigating or securing the account. 

Why I Am Filing Under the Electronic Fund Transfer Act ( Regulation E ), I am entitled to provisional credit and a thorough investigation for unauthorized electronic transfers that I reported promptly.

Chime has not provided the required protections or an adequate explanation for denying my first claim.

These losses have caused severe financial hardship. I am a XXXXXXXX XXXX XXXX  living on a fixed income, and this situation feels like elder financial exploitation.

Resolution Requested I request : XXXX. Full reimbursement of all unauthorized transfers ( {$90.00} from XX/XX/XXXX and {$600.00} from XX/XX/XXXX ). 
XXXX. A written explanation of Chimes investigations and denial of the first claim. 
XXXX. Confirmation that Chime will implement proper security measures to prevent further unauthorized access.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CA

Complaint narrative:
They they told me that my money was going to be deposited on the XXXX of XXXX it was a dispute I filed on XX/XX/XXXX and it ended XX/XX/XXXX with something attached to it telling me that it had already been accredited to my account. I go to my account there's nothing on my account I called them they see where my money has not been put on my account and they keep escalating my case to somebody that they can't even tell me who has been escalated to and they told me 3 days ago that they were going to expedite my money to my account and here I am three days later with the same associates telling me the same thing my bills are due and I'm not getting any information or getting anywhere it's almost like they don't even know what happened to my money. And this is a matter with the business chime.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-28 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: IN

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Collections 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 2025-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
The fraudster gain access to my online banking account and sent a XXXX payment in the amount of {$100.00} to the person 's name XXXX XXXX XXXX on XXXX I have reported this transaction to Chase as unauthorized and fraudulent, I request Chase to reverse the payment and credit the amount back to my account. Chase did not credit {$100.00} to the account and respond back this transaction is authorized but it did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
My name and identity were used on a credit card account I did not consent to ; this is not the account I applied for. The issuer has refused to correct, remove my name from, or close the account. 

My name and personal information have been associated with a credit card account to which I did not give consent. This account is not one I applied for, and despite my requests the issuer has refused to correct the record, remove my name, or close the account. I request immediate corrective action. 

My identity has been fraudulently or erroneously linked to a credit card account that I did not authorize and did not apply for. I have formally requested that the issuer remove my name, correct their records, or close the account ; those requests have been denied. I demand immediate remediation and preservation of all related records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was unexpectedly removed as an Authorized User from my mother 's XXXX XXXX XXXX credit card account on XX/XX/2025. 
I did not request this removal, nor did my mother ( the primary account holder ). We only found out after I noticed the account no longer appeared on my credit reports. 
I contacted TransUnion and Equifax, and both stated they had not removed the account themselves and that they only report the information they receive from XXXX XXXX. 
My mother and I then contacted XXXX XXXX, and their representative told us that the Authorized User ( me ) had filed a dispute with a credit bureau to have the account removed. This is factually incorrect I did not file any such dispute with any bureau. 
Furthermore, XXXX  XXXX refused to tell me : Which credit bureau supposedly received this dispute When the dispute was submitted Any documentation regarding the alleged dispute This unauthorized removal of the Authorized User account has negatively impacted my credit profile, as this account had a long history and low utilization, and contributed positively to my credit score. 
This situation has resulted in a loss of positive credit history through no action of mine, and I respectfully request that the CFPB assist in resolving this error.

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 2025-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Re : Account Number : XXXXXXXX XXXX XXXX Creditor : XXXX XXXX XXXX Notice of Debt Dispute and Request for Validation To Whom It May Concern, This letter is being sent in response to the collection account referenced above. Pursuant to my rights under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g, I hereby dispute this alleged debt in its entirety and request full validation. 

As required by law, please provide the following : 1. The name and address of the original creditor.

2. A complete itemization of the alleged balance, including principal, interest, fees, and other charges.

3. Copies of all contracts, agreements, or other documents bearing my signature that establish my responsibility for this alleged debt. 
4. Documentation showing that XXXX XXXX XXXX and/or XXXX XXXX XXXX has legal standing to collect this debt. 
5. The date of last payment or activity on the account, and proof of assignment/transfer from the original creditor. 

Until such validation is provided, you must cease all collection activity, including reporting this account to any credit reporting agencies. If this account is being reported, you are required to mark it as disputed in compliance with 15 U.S.C. 1692e ( 8 ). 

Please note that this request is being made in writing and should be considered a formal dispute. All future communication regarding this matter must be in writing. 

Thank you for your cooperation.

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 2025-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
So, back in XXXX, XXXX XXXX XXXX XXXX, we didnt know he XXXX  XXXX until after birth, and still haven't been able to go back to work, I talked with them in XXXX, and we agreed on {$250.00} and that it would be took of my credit, back then I had really good credit, and now I'm trying really hard to rebuild my credit and pay things off, just like it has on there, " XXXX  is potentially negative '' that is 100 % not true, everything is up to date. I have been trying to get this off my report for so long, being it was " written off '' and agreed over the phone they would take if off my credit, they don't have a phone number or I have no idea who it was " sold to '' I would appreciate it so much if this was took off.

Company response to consumer: Closed with explanation