vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-13 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: AR

Complaint narrative:
I am writing to formally dispute several inaccuracies currently reported on my credit file. These include incorrect addresses, employer data, collection accounts, and unauthorized inquiries. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is inaccurate, outdated, or unverifiable, and I respectfully request a reinvestigation of the following items. 
First, the addresses XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX are not connected to me and should not appear on my credit report. These addresses are inaccurate and may be the result of file mixing or reporting errors. My only correct and current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. 
Secondly, the employers Natural-and-State-Health ( dated XX/XX/year> ) and XXXX XXXX ( dated XX/XX/year> ) are also incorrectly reported. I have never been employed by these entities, and their inclusion on my credit report is inaccurate. 
Additionally, I dispute the following collection accounts, which I Additionally, the accounts XXXX Account ending in XXXX * with a reported balance of {$12000.00}, and XXXX  Account ending in XXXXXXXX XXXX  with a reported balance of {$33000.00} are not familiar to me and should not be reflected on my credit report. I have never received any formal communication, billing, or validation of these debts, nor have I acknowledged any responsibility for them. These collections are inaccurate, potentially unverified, and may stem from reporting errors or mistaken identity. 
Furthermore, the inquiries from XXXX XXXX ( dated XX/XX/year> ) and XXXX ( dated XX/XX/year> ) were made without my knowledge, authorization, or prior consent. I did not apply for credit with either entity on or around that date. These inquiries are unauthorized and must be removed to ensure the accuracy of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I DID NOT AUTHORIZE THE COMPANIES LISTED TO ACCESS MY CREDIT. THESE ARE MULTIPLE UNAUTHORIZED VEHICLE LOAN INQUIRIES APPEARING ON MY CREDIT REPORT WITH TRANSUNION. I NEVER APPLIED FOR THESE LOANS. I AM REQUESTING THAT THESE INQUIRIES BE REMOVED FROM MY CREDIT REPORT. ATTACHED IS MY FTC IDENTITY THEFT REPORT AND FULL LIST OF UNAUTHORIZED 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 non-monetary relief
Consumer complaint received 2025-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
XXXX {$61.00} XX/XX/year> and XXXX {$160.00} also on XX/XX/year>XXXX  were both UNAUTHORIZED purchases due to MY physical card being STOLEN by someone. I went to the bathroom before doing some shopping. I was wearing leggings and only had my phone and my XXXX  card on me. I would have used XXXX XXXX but XXXX does not have the tap to pay. I sat my card down on the toilet paper roll holder and finished in the bathroom and did my shopping. When I got to the checkout, I remember that my card was last sitting on the toilet paper holder. I went back to check and see if it was there and it was not. So then I went to the customer service desk and asked if someone had turned the card in and they said no, that they didnt but they would let me know if someone turned it in and I gave them my information. I left and reported the card stolen to XXXX  support as soon as I could. I opened up a claim for these two purchases that were NOT authorized or completed by ME ( the account holder ). I asked that I get a new card and even changed my PIN number to the new card in fear that this would happen again if not. Today they sent me an email denying my claim due to the chip was inserted and the chip is unique to each card holder therefore it was in the presence of the cardholder and I lost my money. So I opened up another claim for unauthorized purchase and they told me they could not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: TX

Complaint narrative:
EVERY MORNING, UPON SEEING THESE FRAUD ACCOUNTS, I GET STRESSED. I WANT THESE TO BE TAKEN OFF FROM MY REPORT IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capio Partners, LLC
State: FL

Complaint narrative:
I have two of the same debts listed from the same hospital bill from two different collection agencies. They are listed as different debts although they are the same and are impacting my credit negatively. The amount is also inaccurate, I have insurance and it should not be that high. Plus both of them both show different balances.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 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: DC

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$440.00} XXXXXXXX XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$120000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$320000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$4400.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$3100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1900.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$16000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} Inquiries : XXXXXXXX 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 2025-09-13 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: DC

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$440.00} XXXXXXXX XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$120000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$320000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$4400.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$3100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1900.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$16000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} Inquiries : XXXXXXXX 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 2025-09-13 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: NV

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
XXXXXXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 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: NV

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
XXXXXXXX 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

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 2025-09-13 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: CA

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 explanation
Consumer complaint received 2025-09-13 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: CA

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 explanation
Consumer complaint received 2025-09-13 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: MS

Complaint narrative:
I did not authorize this inquiry, and I had no communication with the lender on that date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I found inaccurate negative items on my credit report. I contacted the furnisure, received no verifiable response, and am requesting a full investigation under the Fair Credit Reporting Act ( FCRA ). Please remove these unverifiable items. 

Thank You 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 2025-09-13 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: PA

Complaint narrative:
To chime financial Inc. XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX phone number XXXX as category bank account or service broad cams, broad or scams bank and dispute. Unauthorized transactions description of the problem : I'm just finding out about chimes finance denial of my claim for XXXX project transactions totaling {$3200.00}. I occur on XXXX XXXX XXXX bullet point I was in possession of my physical debit card at all times, my chime account was compromised electronically through phishing and spoofed calls I filed the police report with the XXXX XXXX police department incident number XXXX XXXX XXXX XXXX, XX/XX/2025 I provided chime with phone logs text message records and screenshot suspicious calls from XXXX XXXX XXXX  which requested a two factor authorisation code and then use it to access my account. I also provide a screenshots of the fraudulent transactions all possessed through XXXX XXXX  under the name XXXX, despite this chime deny my claim, and is refusing to reimburse chimes denial is a violation of regulation E of the electronic fund transfer act which requires that banks investigate and reimbursed unauthorized transaction reported within 60 days unless they can prove I authorize them I did not. the financial and emotional toll has been devastating nearly {$3500.00} was taken from my account I incurred almost {$3000.00} in moving expenses as a result I am on a fixed income and can not absorb these losses. I'm requesting the chime financial reimburse the full {$3200.00} in unauthorized transactions provide a full written explanation of how they reached the decision and provide me a documentation of their internal investigation, including logs, or evidence they relied upon

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: GA

Complaint narrative:
I am having an issue with 4 companies KikOff, XXXX, XXXX, and XXXX. All four companies have been giving me the runaround since XXXX of this year. EVERY SINGLE MONTH my payment is ON TIME AND DEFINITELY COMES OUT OF MY BANK ACCOUNT. Kikoff is reporting I have a balance of {$140.00} to credit bureaus ... which I find hilarious since I pay on time every month. However on their app it says I only have a balance of {$80.00}. Kikoff also has NOT REPORTED MY ON TIME PAYMENTS SINCE XXXX OF THIS YEAR PER THEIR OWN APP. They claim it's the credit bureaus not reporting correctly, and of course the credit bureaus claim it is them.... it is going on XXXX and this still is not fixed. None of these companies want to take accountability or show ANY INTEGRITY. they continually ask for proof, and when I send it, it is radio silence and NOTHING IS UPDATED. I NEED HELP

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: OH

Complaint narrative:
These accounts do not belong to me, please block and remove according to 15 USC 1681C-2

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 2025-09-13 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
At this time I request a complete review of my payment history. Currently, there is showing a 30 and a 60 day late payment on every credit bureau, even though I thought that my monthly payments were on automatic through my checking account. As your company can see from a credit review, I have been spot on for the past three years on credit card payments. I can not believe that I intentionally went 60 days late on my payments. As a professional courtesy can your finance company extend to me a review and potential forgiveness of any indiscretion and clear my payment history. Thank you.

Company response to consumer: Closed with explanation