vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-06 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: AL

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year>, Balance : {$910.00}

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 2025-10-06 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX  PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM CFPB THE DOCUMENT NEEDED AS A LETTER FROM THE ADVOCACY GROUP HELPING ME DUE TO XXXX XXXXDEBT FINAL RULE 1002.142(B)(4)-5-1002.142(B)(7), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A VICTIM OF HUMAN TRAFFICKING OF DEBT BONDAGE AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS AND INQUIRIES XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-10-06 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: FL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
These accounts are being reported under my name without my authorization or knowledge. I have never opened, managed, or approved them. This is completely unacceptable and constitutes a serious misrepresentation of my financial history. I take my credit profile very seriously, and the presence of these unauthorized accounts is deeply concerning.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
Equifax is missing an account for the XXXX credit card with XXXX XXXX even thougXXXX XXXX XXXXas had this for several months. The first transaction on the card was in XXXX. I sent Equifax a dispute that was completed with a several-page long generic response not addressing the dispute. 


Their dispute center forces me to select a category but does not have a category for missing accounts. The dispute center forced me to select an existing account not related to the dispute. This XXXX have caused confusion on their end as they closed the dispute with an 'updated statement ' on the non-related account that did not include the missing credit card. 


I tried sending in a second dispute, but the 'comments ' section limit of XXXX characters was too short for me to explain that the same item had already been disputed and closed incorrectly. 


The company closed my dispute with a several page long generic response that did not mention the missing card or the contents of the dispute. 


I called Equifax and they said they never received statements from XXXX. I called XXXX and they said they sent statements every month, starting several months ago. This is supported by the fact that XXXX reveived their statements several months ago. I called Equifax back, within morning business hours, and an automated voice said they were unavailable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: MO

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicates that Zelle has not only neglected to protect consumers but has also allowed repeat offenders too exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Upon reviewing my credit report, I found certain collection and charge-off entries to be inaccurate, outdated, or unverifiable. Despite submitting disputes and providing supporting documentation, these accounts remain unverified and continue to negatively impact my credit.

Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full reinvestigation of these accounts. Any entry that can not be substantiated with accurate documentation must be removed immediately. Failure to comply may result in legal action to enforce 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 2025-10-06 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : US DEPT ED - Account Number : XXXX, Date Opened : XXXX, Balance : {$990.00} XXXXXXXX XXXX XXXX Account Number : XXXX, Date Opened : XXXX, Balance : {$600.00} XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$0.00} XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: NC

Complaint narrative:
I am writing to formally express my concerns regarding Chimes handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Chime numerous times and reporting discrepancies, my financial institution and Chime failed to investigate my claims adequately. 

They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Chime has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 

This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: GA

Complaint narrative:
I am writing to formally express my concerns regarding XXXX 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: TX

Complaint narrative:
My account was closed for some odd reason on XX/XX/year>. I got my social security check deposited into that account on XX/XX/year> in the amount of XXXX for Social Security Administration. I opened the account on XX/XX/year>. I asked them several time for my money due to me being on fixed income. I never got my money back. They stated they cant issue a refund and that the account is closed. They continue hanging up in my face and said they will not issue a refund on my account. I need my money asap. I provided all the correct information and sign up with correct information. They couldnt give me the reason as to why it was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: CA

Complaint narrative:
This membership was closed in writing to XXXX XXXX. After the fact if was cancelled, XXXX XXXX continued to illegally charge my card. I was forced to file complaints and cancelled the mentioned credit card. 

XXXX XXXX is a scam and uses illegal tactics to attempt to collected or not allow memberships to be cancelled to fraud out its customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet.

I feel like Im being taken advantage of and being ignored for my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

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 2025-10-06 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:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet.

I feel like Im being taken advantage of and being ignored for my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 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: GA

Complaint narrative:
I discovered multiple fraudulent accounts on my credit reports from Equifax, Experian, and TransUnion. These accounts were opened without my knowledge or consent, and I have since been confirmed as a victim of identity theft. The fraudulent accounts include : XXXXXXXX XXXX XXXX XXXXXXXX ) Account ending in XXXX, reported on all three credit bureaus, with a balance of approximately {$1500.00}. 

XXXX XXXX  Listed on Equifax with no known account number or authorization. 

XXXX XXXX XXXX XXXX Account number XXXX, with a reported balance of {$190.00}. 

XXXX XXXX XXXX Account number XXXX, with a reported balance of {$170.00}. 

I promptly filed a formal FTC Identity Theft Report ( Report # XXXX ), signed a sworn affidavit under penalty of perjury, and submitted my documentation, including proof of identity and address, to all three credit reporting agencies. These submissions were accompanied by dispute letters demanding deletion under my rights pursuant to the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Despite my timely and legally supported disputes, these fraudulent accounts remain on my credit reports. This inaction constitutes a failure to meet legal obligations under : FCRA 1681c-2 ( Blocking identity theft-related data upon notice ), FCRA 1681e ( b ) ( Maintaining maximum possible accuracy ), FCRA 1681i ( Reinvestigation of disputes ), FCRA 1681s-2 ( a ) ( 1 ) ( A ) ( Duty not to report inaccurate information ), FDCPA 1692g ( a ) ( Validation of debts ), FDCPA 1692c ( Restrictions on contact ). 

I explicitly requested, within the dispute, verifiable documentation for each account, including original contracts bearing my signature, a full chain of title, and itemized balances. None has been produced, which further demonstrates that the information is unverifiable and must be removed under federal law. 

The continued reporting of these fraudulent accounts has caused me significant harm, including damage to my credit score, emotional stress, and the denial of legitimate credit opportunities. I have cooperated fully and complied with all statutory dispute requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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:
I discovered multiple fraudulent accounts on my credit reports from Equifax, Experian, and TransUnion. These accounts were opened without my knowledge or consent, and I have since been confirmed as a victim of identity theft. The fraudulent accounts include : XXXXXXXX XXXX XXXX XXXXXXXX ) Account ending in XXXX, reported on all three credit bureaus, with a balance of approximately {$1500.00}. 

XXXX XXXX  Listed on Equifax with no known account number or authorization. 

XXXX XXXX XXXX XXXX Account number XXXX, with a reported balance of {$190.00}. 

XXXX XXXX XXXX Account number XXXX, with a reported balance of {$170.00}. 

I promptly filed a formal FTC Identity Theft Report ( Report # XXXX ), signed a sworn affidavit under penalty of perjury, and submitted my documentation, including proof of identity and address, to all three credit reporting agencies. These submissions were accompanied by dispute letters demanding deletion under my rights pursuant to the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Despite my timely and legally supported disputes, these fraudulent accounts remain on my credit reports. This inaction constitutes a failure to meet legal obligations under : FCRA 1681c-2 ( Blocking identity theft-related data upon notice ), FCRA 1681e ( b ) ( Maintaining maximum possible accuracy ), FCRA 1681i ( Reinvestigation of disputes ), FCRA 1681s-2 ( a ) ( 1 ) ( A ) ( Duty not to report inaccurate information ), FDCPA 1692g ( a ) ( Validation of debts ), FDCPA 1692c ( Restrictions on contact ). 

I explicitly requested, within the dispute, verifiable documentation for each account, including original contracts bearing my signature, a full chain of title, and itemized balances. None has been produced, which further demonstrates that the information is unverifiable and must be removed under federal law. 

The continued reporting of these fraudulent accounts has caused me significant harm, including damage to my credit score, emotional stress, and the denial of legitimate credit opportunities. I have cooperated fully and complied with all statutory dispute requirements.

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 2025-10-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I rented at XXXX XXXX XXXX XXXXXXXX from XXXX and was always in good standing. Never late and left in good standing. Plus, even received my deposit back to find out someone reported that I had a balance owed. The management team confirmed I owed them nothing and even sent me a letter confirming all was well but somehow, I still got this on my credit which needs to be removed iao {$320.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: MI

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-10-06 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: SC

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 2025-10-06 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: FL

Complaint narrative:
I am writing to dispute fraudulent information that appears on my credit report pursuant to 15 U.S.C. 1681c-2, and to formally request that this information be blocked or removed. I am including a copy of my identity theft report issued by the Federal Trade Commission ( FTC ) XXXX as supporting evidence for my claim. 
According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block or delete any information identified by the consumer as resulting from identity theft within four ( 4 ) business days. 
The following information on my credit report is the result of identity theft and must be blocked : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As outlined in 15 U.S.C. 1681c-2, I am formally requesting that this fraudulent information be blocked or removed immediately from my credit report. This information should remain blocked for a period of one year, after which I may request an extension. During this time, no fraudulent data should continue to appear in my file. 
I have contacted the credit bureau reporting these fraudulent accounts multiple times, and they have failed to provide me with an effective resolution. This situation is severely affecting me and feels like a never-ending cycle. I do not understand how these accounts can still be reported as mine when I have already proven otherwise. 
Please help me by removing these accounts immediately. I am including my FTC report again, hoping that you will make a better and fairer decision in my case. Thank you for your attention.

Company response to consumer: Closed with explanation