vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-08 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Your Email ] [ Todays Date ] To Whom It May Concern, Subject : Dispute of Inaccurate Credit Report Information Under FCRA I am writing to formally dispute multiple items on my credit report under the Fair Credit Reporting Act ( FCRA ) Sections 609 and 611. After reviewing my credit file, I have identified the following accounts which I believe are being reported inaccurately or incompletely : -- - XXXX XXXX XXXX XXXX ( Acct. Ending in XXXX ) This account was closed by the credit grantor, but I was not provided written notice of the closure, in violation of the Fair Credit Billing Act.

The account shows delinquencies that occurred after the closure without opportunity for resolution.

Requested Action : Please investigate and provide proof of mailed closure notice. If unavailable, I request immediate removal of the derogatory history and rectification of account remarks. 



-- - XXXX. XXXX XXXX XXXX ( Multiple Accounts ) Several rental accounts contain gaps in reporting marked X or missing payment history. 

These inconsistent records violate FCRA requirements for complete and accurate reporting. 
Requested Action : If the furnishers can not verify and correct these entries, I request these accounts be deleted entirely due to unverifiable data. 



-- - XXXX. XXXX XXXX XXXX XXXX ( Acct. Ending in XXXX and XXXX ) These accounts show sudden credit limit increases ( e.g., from {$590.00} to {$2000.00} ) without any clear documentation or prior notice. 

These adjustments may affect credit utilization and appear suspect or erroneous.

Requested Action : Please investigate and provide documentation validating when and why these limit changes were made. 



-- - In accordance with the FCRA, I request that you investigate these matters within 30 days, correct or delete any inaccurate or unverifiable information, and send me an updated copy of my credit report. Please include the name, address, and phone number of any data furnisher involved in the dispute. 

I have included a copy of my drivers license and utility bill for identity verification. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: TX

Complaint narrative:
Family business found out he related to me XXXX XXXX mortgage company ran without my permission said it was soft credit report it wasn't then lied an said he'll get me XXXX XXXX grant now he won't.

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 2025-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NY

Complaint narrative:
Ive had an issue with Chime bank on numerous occasions one where I had a service overcharge and the girl was supposed to XXXX XXXX me {$15.00} back and she never did. She lied and I have messages to show that she said she would send it back just to change your mind. Thats very unprofessional and when I disputed with my bank they declined it. 

On a more serious note, I booked a car with XXXX! The owner reported a smoking claim so that he can get {$200.00} off the Booking, which is what I realized a lot of owners been doing on XXXX and XXXX is not monitoring that, they are robbing and scamming people, I thought I would get assistance and help with MY bank Especially after submitting all my evidence documents even the documents confirmation that I got from XXXX themselves, stated that Im approved for my refund. Chime investigated and seen that they made a mistake and my phone shouldve been sent back to my account. Turn around XXXX months later, they snatch the money back from my account so my account is negative, I dont know what type of business fraud they are running but Im reported it everywhere. I would like my ACCOUNT restored!!! AND MY FUNDS PUT BACK!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: ALLY FINANCIAL INC.
State: DE

Complaint narrative:
I have attempted to make a payment for my credit card multiple times with this company, but every time it says my bank account is blocked. My payments are due the XXXX of the month. I called them on XX/XX/XXXX to set up a payment for {$30.00} but it wouldn't allow me saying my bank was XXXX. I called the company but they refuse to remove the block on my bank account or assist in removing any late fees incurred due to their inability to have accessible payment options for consumers. The only option they provided me was mailing a check or money order, but both options will cause a late fee which they also refuse to remove.

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 2025-05-08 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:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in XXXX XXXX Equifax XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX  ). Please provide validating documents. The date of last activity is reporting different among all XXXX reports. Please conduct a reasonable investigation. This is inaccurate and must be removed immediately.

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 2025-05-08 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: AZ

Complaint narrative:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( XXXX  ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently reviewed my credit reports and noticed there has been an alleged collection reported by XXXX and XXXX XXXX XXXX on Transunion. The alleged original creditor is XXXX XXXX. The alleged amount is {$210.00}. 

There has been no validation to support this alleged debt. It is infuriating and not correct to attempt to gouge citizens out of their heard earned money for something that is not legitimate. This is causing unnecessary stress and I'm having to go out of my way to address this matter. 

I request validation of all tradelines reported to my credit, to include the following : Provide historical statements which matches the alleged balance being claimed Provide a list of charges that total the amount alleged Provide all accounting in reference to the alleged balance and account Provide proof that collector is licensed to collect in my state. 

Provide me with the agreement that gives the collector authority to collect the alleged debt Provide me with the collectors license numbers and XXXX XXXX Provide me with agreement that bears the signature of the alleged debtor wherein XXXX agreed to pay the original creditor. 

Any insurance claims been made by any creditor regarding this account. 

Any Judgments obtained by any creditor regarding this account. 

Verification that this alleged debt was assigned or sold to collector.

Your claim can not and will not be considered if any portion of the above is not completed and returned with copies of all requested documents. 

Also Im hereby notifying that the reporting of this item on my credit is currently in violation of the FDCPA by misrepresenting the character of this debt, and unsubstantiated reporting of tradelines to credit bureaus might provide a basis for further liabilities. If XXXX and XXXX XXXX XXXX have reported invalidated information to any of the XXXX major Credit Bureaus XXXX XXXX, XXXX or TransUnion ) this action might constitute fraud under both Federal and State Laws. 

If your offices are able to provide the proper documentation as requested in the following declaration, I will require XXXX  days to investigate this information. If you fail to respond to this validation request within XXXX  days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately to avoid further violations of the FDCPA and FCRA.

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 2025-05-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: MS

Complaint narrative:
I have sent multiple written requests to National Credit Adjusters ( NCA ) asking them to validate this alleged debt, including pay-for-delete and hardship letters. Despite being given ample time to respond, NCA has failed to provide any validation or even acknowledge my correspondence. 

This account stems from a XXXX loan, but NCA has not proven their legal right to collect or report on it. I receive XXXX XXXX XXXX ( XXXX ), which is protected from collection under federal law. I also provided documentation to support this.

NCAs failure to respond violates the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), and I am requesting immediate removal of this account from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am a victim of the Equifax data breach please see attachments below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: PA

Complaint narrative:
I am a victim of identity theft, and it is directly related to the XXXX  data breach that occurred in 2017. My personal information, including sensitive financial and identifying data, was compromised as part of that breach. Since then, I have experienced unauthorized activity and fraudulent accounts appearing on my credit report, which I did not open or authorize. This breach has made me vulnerable to ongoing harm, and I am now seeking proper resolution and protection of my consumer 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 2025-05-08 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: KY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: TN

Complaint narrative:
As of XX/XX/scrub>/2025 a charged-off debt is still being reported to my credit report. I requested a 1099 form from Caine & Weiner for the accuracy of the account and I never received it. The debt continues to accumulate and is being wrongly reported. The amount now is {$7500.00} resulting as a hindurance to my credit score. I've requested for debt validation and am now seeking to sue for statutory damages. The original creditor has written the loan off on their taxes and still trying to collect an inaccurate charged-off debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: FL

Complaint narrative:
Subject : Request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) all accounts fraudulent in this complaint be DELETED immediately. 

I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( XXXX  ), Fair Debt Collection Practices Act ( XXXX  ), and Truth in Lending Act ( XXXX ) by EQUIFAX, Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing. 

I am writing to contest inaccurate information on my credit report in accordance with XXXX U.S.C. XXXX and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) as evidence supporting my identity theft claim. As per XXXX U.S.C. XXXX, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked. 

I request, pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ), that you, the credit reporting agency EQUIFAX, block the information appearing in my consumer credit report resulting from identity theft and fraud within XXXX business days of receiving this complaint. PLEASE DELETE THIS ACCOUNT IMMEDIATELY. 

I do not recognize the accounts mentioned as reported. The accounts mentioned above in my consumer credit report that you maintain were not opened, created, or initiated by me. The accounts mentioned above are the result of identity theft and fraud. 
I did not authorize the sharing of my information nor did I consent to its reporting. I was not provided with adequate information or the option to opt out. Reporting without consent constitutes fraud for the purposes permitted by XXXX XXXX, United States XXXX ( XXXX ), Section XXXX. This also violates my privacy rights under XXXX XXXX, XXXX, XXXX XXXX ( XXXX ). These accounts must be immediately blocked or removed from my consumer report, pursuant to FCRA XXXX. If any additional documentation is necessary to process my request, please inform me promptly. 
Thank you for your prompt attention to this matter. 

ACCOUNT : XXXX. XXXX XXXX XXXX XXXX. XXXX OF XXXX XXXX XXXX. CBNA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: MD

Complaint narrative:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( XXXX  ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Climb Credit Inc.
State: FL

Complaint narrative:
I am filing a dispute against Climb Credit regarding a {$11000.00} loan I took out to attend a six month bootcamp through Springboard at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX Due to health issues, I attended from XX/XX/XXXX to XX/XX/XXXX. My application XXXX XXXX was approved on XX/XX/XXXX was approved for {$10000.00} but that changed on XX/XX/XXXX to {$11000.00}. 

During the phone application process, the Climb Credit representative assured me that my monthly payments would be minimal compared to what I would earn after completing the program promising Id make a six-figure salary. That salary never came. Unbeknownst to me, less than 20 information security jobs become available annually in my region at the time of my application. I was not the expert to know the job market, XXXX and XXXX were as they offered additional job training and assistance with securing a job. 

I was led to believe that this bootcamp would result in immediate, high-paying employment in the tech field. However, I had no prior background in technology. Again, a market analysis by XXXXXXXX XXXX XXXX XXXX  showed that fewer than 20 information security jobs are added annually in the region. This made the likelihood of me securing a job in the field extremely low, especially as a new graduate without industry experience. 

I no longer have access to my Climb Credit account and can not view any of my loan documents or account details. I have requested all documentation related to my account including contracts, communication records, and phone transcripts. 

I believe I was misled during the loan process and was denied critical transparency afterward. I am requesting an investigation into Climb Credit for deceptive lending practices and a full release of all my account records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: MD

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in XXXX USC 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 2025-05-08 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: NC

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: FL

Complaint narrative:
The University I graduated from is not on the list of Current ones. I graduated XX/XX/year> from XXXX XXXX de XXXX XXXX. The loan has been transferred multiple times without my consent with interests of XXXX. Now XXXX is the service agency and have not provided the information requested .also is a XXXX violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
Midland Credit Management is trying to collect on a debt whose statute of limitation has expired and the account was supposed to be purged and deleted by all the XXXX credit bureaus in the next couple of months based on the XXXX day of delinquency which was XX/XX/XXXX. This company NEVER provided me a Forward Flow Agreement, A Chain of Assignment, a Purchase agreement of the debt and proof of my own signature on any paperwork I signed and to make the matter worse, have resorted to doctoring with the bureaus by claiming that the account was destined to fall off my credit in XXXX, XXXX. The Credit bureaus have sent me reports showing that the account would be expunged in a few months this year, XXXX.

Company response to consumer: Closed with non-monetary relief