vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To whom it XXXX concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I, XXXX XXXX XXXX have requested several times for things to be removed and nothing gets removed or done correctly. 

So, not so long ago a class action lawsuit was finalized for data breach, I was not notified. Why? Well, when I called Experian the person I spoke to told me they didn't know my whereabouts, what kind of credit reporting agancy is Experian, How can you make any kind report about me at all. I have you know I was victimized by you data breach, your credit report is the only one that keeps inaccurate and or addresses past 7 years. My data is in the dark web under the address of XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, NY XXXX, with my social security number, this address is XXXX XXXX XXXX, but the damage to me is new. I requested two years ago for several address to be removed, and I was verbally told NO over the phone. 

I am requesting today again after several times for all the so called address Experian claims were mine be removed, I was homes for many years, I didn't live at any of the address listed except, XXXX XXXX in XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX in XXXX, and those are over XXXX XXXX XXXX. XXXX XXXX  are not home addresses, I did not live at a post office, and those are over XXXX XXXX XXXX. I am requesting all other address be removed for inaccuraies. As for, XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, NY XXXX, this is a hotel and Experian has it listed as a single family, and listed 3 times with different room numbers and one no room, well this needs removed, I did not live there, welfare paid to put me there until I got my appartment, my current address of over two years, when Experian claimed not to know my where abouts. 
So, the other two credit reporting agancies have just my current address listed, my current name spelled correctly, and one current phone number for my personal information. That is how it should look when company 's inquire about my credit report. I am submitting a copy of this email to the Federal Trades Commission and the Consumer Financial Bureau.

I have been trying to update my phone number for a few days now, your website keeps telling try again at a later time. And, XXXX XXXX XXXX, needs to be removed from my credit report also, I have not seen him since XXXX. 

I also have other open accounts that Exparian seems to have no clue about, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Zip, they are all in good standing. 

My legal is : XXXX XXXX or XXXX XXXX XXXX My phone is : XXXX My address is : XXXX XXXX XXXX. XXXX XXXX, XXXX, NY XXXX ( since XX/XX/XXXX ) All other personal information should now be removed as per requested. 
Thank you, 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 explanation
Consumer complaint received 2025-09-04 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: MI

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

1681c2 ) that you, the TransUnion 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 : INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXXXXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-04 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

I am filing this FTC Identity Theft Affidavit to report fraudulent accounts appearing on my consumer FICO Experian, XXXX XXXX XXXX reports which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of an educational loan account opened at DEPT OF EDXXXX on XX/XX/XXXX under the account number XXXX ; an educational loan account opened at DEPT OF ED XXXX on XX/XX/XXXX under the account number XXXX ; and an educaitonal loan account opened at DEPT OF ED XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the fraudulent items be removed from my consumer credit reports. DEPT OFED XXXX XXXXXXXX Balance {$7100.00} XX/XX/XXXX DEPT OF ED XXXX XXXX These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I have discovered a collection entry from your agency on my credit file that was reported without any prior notification or communication regarding this alleged debt. This collection listing raises significant concerns about its accuracy and validity, as I have no documentation or memory of being properly informed about this matter before it appeared on my credit report. Under the Fair Debt Collection Practices Act, I am exercising my legal right to request complete debt validation, including verification of the original creditor, account history, and the specific amount being claimed against 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 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Chime Financial Inc
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, Tx XXXX XX/XX/year> CHIMEFINXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX RE : CEASE AND DESIST Communication Regarding Alleged Debt Account Number : XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern : This letter serves as your formal notice pursuant to 15 U.S. Code 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ). I am requesting that you cease all communication with me regarding the alleged debt referenced above.

Under the FDCPA, once a written request to cease communication is made, a debt collector must not contact the consumer again except to : Advise that further efforts to collect the debt are being terminated ; Notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked ; or Notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

Please be advised that any further communication from your agency that does not fall within the exceptions outlined above will be considered a violation of federal law and may result in a complaint being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and/or legal action in a court of competent jurisdiction. 

Furthermore, I am requesting written verification of the alleged debt pursuant to 15 U.S. Code 1692g ( b ) if you have not already provided it.

Let this letter serve as notice that I am aware of my rights under federal law and that I am prepared to take appropriate action to protect them. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I walked to Wells Fargo Bank office at XXXX XXXX location with deposit one of the checks, the teller said the company changed policy, can not make the deposit due to small amount.

I requested provide me a copy of the policy change disclosure or write a note to state that they can not provide the service, the manager and teller both declined to do so.

I asked to close my accounts, they refused to provide the service again, tell me to call their XXXX phone number. 

They employees are all XXXX, why this branch can not provide diversified people for the daily operations?

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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LCI Acquisition Inc.
State: TX

Complaint narrative:
Upon viewing my most recent consumer report, I discovered the presence of bankruptcy entries that should not appear on my credit file. After researching applicable consumer protection laws, I have determined that the reporting of these bankruptcies may constitute a violation of my rights under the Fair Credit Reporting Act, specifically regarding the unauthorized disclosure of my personal information. These bankruptcy entries appear to be the result of identity theft, as I never filed for bankruptcy nor authorized anyone to do so on my behalf. The presence of these fraudulent entries has caused significant damage to my credit profile and has negatively impacted my ability to obtain credit, secure housing, and achieve my financial goals.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: AL

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 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
This is XXXX XXXX XXXX and I am being harassed and threatened about debts for sum of {$950.00} of which XXXXXXXX XXXX XXXX Missouri i had a credit card from them. I went to pay them the balance due and I find out that the bank didn't exist anymore. Further more i hadn't received any correspondence from them. XXXX. XXXX says that I owe them as well. I haven't had XXXX in over XXXX years. When I looked up this on my credit report, both said that they where in derogatory state.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I disputed an account reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( original creditor : XXXX XXXXXXXX XXXX XXXXXXXX, account ending in XXXX XXXX ). 

Equifax verified this account as accurate on XX/XX/year> ( confirmation XXXX  XXXX ). However, the records they relied upon list the account under a name that is not mine ( XXXX XXXX XXXX XXXX My legal name is XXXX XXXX, and I have never used the name Equifax and the furnisher are reporting. 

This is a clear case of inaccurate reporting under the Fair Credit Reporting Act ( FCRA ). Equifax failed to conduct a proper reinvestigation and continues to report an account that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: FL

Complaint narrative:
Hello, this is regarding my chime account that was restricted and closed without any prior notice or warning! My chime savings account had a balance of {$2400.00} when they restricted and closed my account. I was informed by law that if my account is closed, restricted or frozen for suspicious activity then the remaining balance is supposed to be returned/refunded to me in the form of a cashiers check which a customer service representative told me through email correspondence on XX/XX/year> that I wasnt eligible to receive my remaining balance!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: IL

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: CITIBANK, N.A.
State: IN

Complaint narrative:
On XX/XX/year> I was charged an additional fee from XXXX XXXX XXXX 
I disputed the charge with Citibank via phone and email to their dispute center ( XXXX ) They rejected the dispute. 
I provided the additional information they requested which was the actual receipt from XXXX. Citibank still rejected my dispute. 
I have spoken to XXXX every other week in this matter as well as emailing them requested paperwork. 
I also contacted the billing department at XXXX XXXX XXXX and they submitted a credit with Citibank towards my account as they agreed I did not owe the money. 
Citibank again rejected my dispute. 
I contacted XXXX XXXX  again and they emailed me an official XXXX XXXX including a case XXXX  and credit memo XXXX  which I emailed to Citibank along with a phone call. 
They have rejected the credit memo. 
There is absolutely no reason why my account is not refunded the {$450.00} as I have documentation on this contunual dispute. Upon escalated calls with Citibank, they agree that I have submitted sufficient documentation, but claim it is out of their hands and XXXX is holding the money. This is a Citibank XXXX and they should be working together to refund my money. Thank 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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am contacting you to dispute a personal address appearing on my credit report that I have never used or authorized. This inaccurate information poses a risk to my personal and financial security.

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