vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-30 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: GA

Complaint narrative:
I am filing this complaint against Equifax for failure to comply with multiple provisions of the Fair Credit Reporting Act ( FCRA ) concerning the previously deleted XXXX  XXXX / XXXX XXXX XXXX account associated with : XXXX XXXX account ending in XXXX XXXX XXXX XXXX account number : XXXX Balance : {$6100.00} This tradeline was permanently deleted from my Equifax credit file on XX/XX/year>, as confirmed by Equifax Confirmation # XXXX. However, I received a collection letter from XXXX XXXX XXXX dated XX/XX/year>, stating that the XXXX  XXXX account was sold to XXXX on XX/XX/XXXX, XXXX days after deletion. This post-deletion activity is legally inconsistent and suggests either an unlawful reinsertion attempt or improper re-aging. 

No certification of accuracy or written notice has been provided to me as required by FCRA 1681i ( a ) ( 5 ) ( B ) for reentry of deleted information. Furthermore, no permissible purpose exists under 1681b ( a ) ( 2 ) to justify XXXX reporting or collecting on this account, as I never authorized any post-deletion access or collection activity. 
I am invoking my rights under FCRA 1681c-2 to block this account from being reinserted or published. The account is either fraudulent or has been improperly revalidated. I am submitting the following in support of this dispute : FTC Identity Theft Report # XXXX Government-issued photo ID Utility bill showing current address XXXX XXXX XXXX XXXX letter dated XX/XX/year> XXXX  XXXX letter confirming sale and non-reporting dated XX/XX/year> Equifax has acknowledged that the account does not currently appear on my report but has not guaranteed that reinsertion will be blocked. Given the sequence of events, this account must not reappear.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: CA

Complaint narrative:
I recently made a dispute claim with Chime company on XX/XX/year> for a transaction of {$47.00} to my Chime account on XX/XX/XXXX of an partial order from the seller on XXXX that 1 ) I never received that particular last partial item on the day it was supposed to be delivered and 2 ) I canceled the partial order after it was " marked as being delivered '' knowing that I NEVER received the item. Chime DENIED my dispute claim and the situation was never rectified or never resolved. Even after I went through Protection Bureau, Chime DENIED it yet again. I indeed have the proof that this was indeed fraud that my money was taken out of my account especially when I've never received the last item and only receiving XXXX items that I ordered on XXXX. I want my money back!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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:
Hello, my name is XXXX XXXX. 



Im reaching out because Ive had a very difficult week and need to report fraud on my account. On XX/XX/year>, my car was broken into while parked behind a XXXX. When I returned, I found the window smashed and discovered that both my phone and Chase debit card had been stolen. Unfortunately, the thieves were also able to hack my phone. 



Since the incident occurred behind the store, there were no security cameras in the area, and I was unable to file a police report due to the lack of evidence. 



that same day, an unauthorized transaction of {$820.00} was made on my Chase debit card at a merchant called XXXX. I reported this charge to Chase, and the reference number for the case is # XXXX. 



As a XXXX XXXX, this situation has had a serious impact on my finances, and I urgently need assistance in recovering the stolen funds.. 



Thank you for your time and help. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: CA

Complaint narrative:
False and inaccurate reporting on my credit profile has created for myself and family Financial hindrance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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:
As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Consumer Shield
State: NC

Complaint narrative:
On XX/XX/XXXX, I received a call from XXXX  XXXX XXXX advising my social security number had been used in XXXX  to try and open a credit card account. The caller advised that Sec 609 of the Fair Credit Reporting Act in XXXX  should be 4.9 percent interest. He then told me he could help with the credit card issue and reduce my amount paid each month on my credit card. He gave me both of the XXXX credit card numbers and 2 XXXX XXXX  cards that were mine. He then transferred me to another person. I asked questions about the company name of his business, and he advised XXXX XXXX XXXX XXXX. This 2nd person said his name was XXXX XXXX, XXXX XXXX. XXXX, who advised I could pay about 30 percent of the amounts owed and pay off my credit card debt in 3 years. I was then transferred to another person who said his company was XXXX XXXX. I was given a phone contact number of XXXX and was told I couldn't talk about this to anyone. Once I saw my XXXX  credit card bill with a charge of {$9900.00}, I realized this was probably a scam since they advised I wouldn't pay any of the credit card bills, but I would be charged {$420.00} per month " membership fee '' to Consumer Shield. I issued a dispute with XXXX and my bank for the membership fee. I froze my XXXX accounts and closed both XXXX credit cards. I was issued replacement cards since both cards had a balance. I called XXXX XXXX and reported I wasn't interested in their credit reduction plan and changed my personal bank account. The person I spoke with became rude and I hung up on him. 
All this issue was handled by telephone ; therefore, I have no cancellation number for the plan. XXXX  advised my dispute was denied to reverse the {$9900.00} charge since I couldn't provide " proof '' that I contacted them to cancel my participation.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-30 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: Top Line Collectors LLC
State: MS

Complaint narrative:
Top Line Collection~ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These companies have been calling and texting me harassing me about paying debt that I didnt know that I owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: CBC Companies, Inc.
State: TX

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: OK

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX [ Transunion ] XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Credit Information Under FCRA Request for Immediate Deletion To Whom It May Concern, I am writing to formally dispute inaccurate information that appears on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 and Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692.

Upon reviewing my credit report, I noticed the following errors that require immediate attention : 1. Inaccurate Late Payments : First its XXXX XXXX, last reported XX/XX/XXXX. Second, Finwise/American first finance, last reported XX/XX/XXXX Third, XXXX XXXXXXXX, last reported XX/XX/XXXX Lastly, XXXX, last reported XX/XX/XXXX. 




These late payments are inaccurate and do not reflect my payment history. I am requesting that these negative marks be investigated and permanently removed from my credit file. As per the FCRA, only complete and verifiable information may be reported. If these can not be verified in accordance with XXXX, they must be deleted. 

2. Collection Account That Does Not Belong to Me : First its Credit acceptance, balance of {$23000.00}. 
Second, XXXX  first finance, with a balance of {$790.00} Third, XXXX XXXXXXXX, with a balance of {$1300.00} Lastly, XXXX XXXX, with a balance of {$5000.00} This collection account is not mine, and I am not liable for this debt. Under the FCRA and FDCPA, I request that this account be deleted from my credit report immediately. Please conduct a full investigation, and if the account can not be proven to belong to me with proper documentation ( such as a signed contract or original creditor statements ), it must be removed per XXXX of the FCRA. 

I have enclosed copies of documents supporting my position ( e.g., payment records, identification, and any relevant correspondence ). Please complete your reinvestigation within the required XXXX period and notify me of the outcome in writing. 

If these inaccuracies are not corrected or removed promptly, I am prepared to escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), State Attorney General, and, if necessary, pursue legal remedies. 

Thank you for your attention to this urgent matter. I expect a prompt and complete resolution to this dispute. 

Sincerely, [ XXXX XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I'm writing to dispute a fraudulent account that has been reported on my credit file. Let me be absolutely clear : I did not open this account, I did not authorize it, and it is the result of unauthorized or fraudulent use of my identity. 

This is identity theftplain and simple. I have no connection to this account, no knowledge of the application, and never gave anyone permission to use my personal information to open it. The presence of this account is not only false, but a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires that all information in my credit report be accurate, verifiable, and reported with a permissible purpose. 

The continued reporting of this fraudulent account is causing serious damage to my credit standing and personal peace of mind. It is unacceptable that I should bear the consequences of someone elses criminal actions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: CNG HOLDINGS INC
State: MI

Complaint narrative:
Type of Issue : Harassment by a debt collector, illegal disclosure of my personal information, false threats of legal action. 

Name of Company/Person : Tempoe LLC ( XXXX XXXX XXXXXXXX XXXX ) Phone XXXX XXXX XXXX ( caller ID shows this number ; voicemail left referencing a law office ) Details of Complaint : They taped notices to my door visible to neighborsone saw it and contacted me. 
Contacted a distant cousin with personal info, allowed them to call in. 
Left threatening voicemail using attorney name to scare me.

Tempoe LLC is permanently banned from consumer leasing by a CFPB order ( XX/XX/year> ), yet continues harassing me. 

Evidence : I have voicemail recordings, photos of door notices, screenshots of caller ID, and witness confirmation from my neighbor. 

What I Want : Immediate investigation, enforcement action against Tempoe LLC for violating the FDCPA, invasion of privacy, and CFPB order. I request FTC to forward this to law enforcement and regulators.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
I had a Wells Fargo account and I had fraud on my account. It came from XXXX XXXX. I had never done a transaction for this amount or like of it. I disputed the transaction and it was denied originally. I requested proof and they said it would take 30 days to mail out paper. I waited longer than the 30 days to get my proof. I couldnt understand or decipher any of it. 
I also waited over 4 months for a resolution and they said they couldnt do anything about it and it was all my fault. Even though I provided them reasoning that it was not me and it was indeed fraud. I provided this in the form of statements from XXXX. Which they said were wrong. Not sure how they knew it was wrong. They had no remorse and no care for what they denied and continued to blame it on me even though I provided them proof it was not me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
Account SW CRDT SYS # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, pleasse provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/year>, I received an email from Affirm confirming that a {$190.00} loan had been approved and processed under my name for a XXXX XXXX transaction. I did not apply for this loan, authorize this transaction, nor open an Affirm account. This is a clear case of identity theft. 

I contacted Affirm immediately. A supervisor named XXXX claimed the account had been locked, but someone was still able to log in and change the billing address and phone number after the lock was supposedly applied. I also received additional emails confirming the loan was active and that funds were applied. 

I submitted an FTC Identity Theft Report, provided proof to Affirm, and contacted XXXX XXXX, who confirmed there were no flight arrangements under my nameproving the funds were misused or diverted elsewhere. 

Despite being notified in advance of the fraud and receiving legal documentation, Affirm allowed the loan to be processed and is now refusing to fully close or disassociate the account from my identity. I was told by another supervisor, XXXX, that even if the investigation finds in my favor, the account would remain in my namewhich I rejected outright. 

This account is not mine. It was fraudulently opened using my personal information. Affirm has failed to contain the breach or take adequate action, and is placing me at ongoing risk of credit damage. 

I am requesting : Immediate and permanent closure of the fraudulent account Full disassociation of my identity from the loan Written confirmation that I am not liable for any charges or activity Formal review of Affirms fraud handling and compliance practices I have attached the necessary supporting documentation. 
My case number with Affirm is # XXXX. 

My case number with XXXX XXXX is # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: IL

Complaint narrative:
I have been making payments every month since I bought this car in XXXX of XXXX. Most times, more than I am supposed to. I am wanting to buy a house, but this company has not updated my payments since XXXX of XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
from XX/XX/XXXX XXXX XXXX, XXXX. I have numerous of HARD inquiries on my report that I did authorize nor did i inquire on any VEHICLE purchase ( i own XXXX cars now ) .All the Hard inquiries look like a car purcchase attempt and i am not in that market. I need these removed asap. Companies XXXX not aware of or spoke to : 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 explanation