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

Complaint narrative:
I am a victim of identity theft. Accounts were opened in my name without my knowledge or authorization, and they are being reported to the credit bureaus as legitimate. I did not apply for these accounts, nor did I receive any benefit from them. I believe my personal information may have been compromised in the Equifax data breach. I am disputing the accuracy of these accounts and requesting they be investigated, blocked, and removed from my credit reports under the Fair Credit Reporting Act ( FCRA ). I have submitted an FTC Identity Theft Report and provided documentation to the credit bureaus and/or the company reporting the accounts. These accounts are causing harm to my credit and financial wellbeing. 

Including : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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

Complaint narrative:
To Whom It May Concern : I am submitting this complaint regarding Experian 's failure to properly investigate my consumer report dispute, in direct violation of their obligations under the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I filed a formal dispute with Experian to correct fraudulent and inaccurate information appearing on my consumer report. Instead of conducting a proper investigation, Experian responded with a stall letter that neither addressed my dispute nor took steps to resolve the inaccuracies. 

I am aware that the CFPB has recently filed a lawsuit against Experian for these very same practices namely, their systemic failure to properly investigate consumer disputes. I am a direct victim of this misconduct. 

As a XXXX veteran who suffers from XXXX, this experience has been extremely stressful and emotionally triggering. I am currently in the process of closing on a mortgage, and I am under strict time constraints with only one week remaining to finalize my home purchase. Experians refusal to lawfully process my dispute is putting my homeownership at serious risk, compounding my stress and potentially causing irreparable harm to my financial future. 

I respectfully request that the CFPB take immediate action to ensure Experian fully complies with the FCRA, properly investigates my dispute without further delay, and removes the fraudulent and inaccurate items from my consumer report. I also request that Experian be held accountable for the injury and distress they have caused. 

I am attaching supporting documents, including copies of my dispute submission and Experians stall letter, should you require further evidence of their noncompliance. 

Thank you for your immediate attention to this urgent matter.

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 2025-08-05 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: IL

Complaint narrative:
I have previously disputed Experian and Equifax regarding multiple accounts that are inaccurate. As of today, I have not received any responses or 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 are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Dear Midland Credit Management, I am writing in response to your letter dated XX/XX/XXXX, regarding the above-referenced account. I dispute the validity and accuracy of this debt. 

While you claim to have sent a validation letter on XX/XX/XXXX, I did not receive any such communication. Furthermore, I request that you provide me with complete documentation proving that this debt is valid and that I am responsible for it, including but not limited to : A copy of the original signed contract or agreement bearing my signature A complete payment history and account statement from the original creditor and from your company Documentation proving that Midland Credit Management is legally authorized to collect this debt Until you provide the requested verification, I request that you cease all collection efforts and remove and delete this account, in accordance with the Fair Debt Collection Practices Act ( FDCPA ). Please consider this a formal dispute of the debt and a request for validation. 

Thank you for your prompt attention to this matter. I expect a written response to this dispute within 30 days, as required by law. 

Sincerely, XXXX XXXX

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

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX  Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-08-05 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: CA

Complaint narrative:
I'm contacting you because I recently discovered a credit inquiry on my report that I had no knowledge of, did not authorize, and did not initiate. This inquiry is fraudulent, plain and simple, and it should have never been made under my name. 

I have never applied for credit or given any form of consent to the company that pulled this inquiry. I only found out about it while reviewing my credit report, and Im furious that someone was able to access my personal credit file without my permission. This is not just a mistake it is unauthorized access to my private financial information, and it is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ).

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

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: IN

Complaint narrative:
To : Chime Dispute Department From : XXXX XXXX Re : Dispute of Unauthorized Charges by Merchant XXXX XXXX : Tuesday XX/XX/XXXX Disputed Transactions : Merchant : XXXX Amount XXXX : {$8.00} Amount 2 : {$1.00} Total Disputed Amount : {$9.00} Transaction Date ( XXXX ) : Thursday XX/XX/XXXX XXXX Monday XX/XX/XXXX XXXX Dear Chime Dispute Department, I am writing to formally dispute two unauthorized transactions made by the merchant XXXX in the amounts of {$8.00} and {$1.00}, totaling {$9.00}. These transactions were debited from my Chime account without my permission, consent, or authorization. 

To provide further context, I canceled my subscription with XXXX on XX/XX/XXXX, and I even notified the company on XX/XX/XXXX, by phone that I would not be continuing any services with them. I took further steps by blocking all future transactions from this merchant via my Chime account settings. 

Despite this, XXXX still withdrew money from my account. When I called them to address the issue, the company was highly unprofessional. A representative hung up on me, refused to offer a refund, and I was even threatened when attempting to call back. My number was blocked by their system, and I received no follow-up or resolution. Their treatment was completely disrespectful and unacceptable for any customer interaction. 

Because of this, I am requesting that Chime complete this dispute process and issue me a provisional credit by or before XX/XX/XXXX, as previously stated. I have been a loyal Chime customer for over XXXX years, and I truly appreciate your support in standing by customers when predatory or unauthorized charges occur. 

Please let me know if you need any supporting documentation or call logs to support my dispute. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX Last 4 of XXXX : XXXX Phone : ( XXXX ) XXXX Email : XXXX Chime Member Since : XXXX

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

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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 concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 explanation
Consumer complaint received 2025-08-05 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: Block, Inc.
State: TX

Complaint narrative:
I do not own a cash app account and it looks like either one account or multiple cash app accounts linked their cash app to my account and make multiple small charges on my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint against Equifax for its failure to comply with its obligations under the Fair Credit Reporting Act ( FCRA ). I mailed a formal written dispute dated XX/XX/2025, directly to Equifax, requesting an investigation into inaccurate information appearing on my credit report. To verify my identity and support the validity of my request, I enclosed all necessary documentation, including a copy of my government-issued photo ID, Social Security card , and a recent bill reflecting my current address. 
In my dispute, I clearly outlined specific instructions and requested transparency in Equifaxs verification process. I asked Equifax to disclose the following information : - The method used to verify the disputed item. 
- The date Equifax contacted the creditor. 
- Contact information for the creditor.

- The name of the individual who verified the item.

- The communication method used ( e.g., phone, email, mail ).

- Confirmation of whether any sensitive personal datasuch as my Social Security Number, address, and date of birthwas shared during the verification process. 
Despite submitting a complete and well-documented request, Equifax has failed to issue any response or resolution. More than 30 days have passed since my dispute was submitted. Under the FCRA, Equifax is legally required to conduct a reasonable investigation and provide the results within 30 days. This complete lack of response is a direct violation of federal law and a denial of my rights as a consumer. 
Equifaxs inaction is preventing the correction of potentially damaging errors on my credit report and continues to negatively affect my financial standing. I am attaching a copy of my original dispute letter as supporting documentation for this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: IL

Complaint narrative:
My account was restricted a day before I get paid for violating terms but no one is telling me why. I get paid tomorrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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 have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or 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 are badly hurting 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 2025-08-05 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: TX

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND DEPRESSED. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-08-05 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: OH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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 concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 explanation
Consumer complaint received 2025-08-05 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: OH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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 concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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:
In 2019, I had an auto loan for {$19000.00} through XXXX XXXX. After an accident, the balance was fully paid off through my regular insurance and GAP insurance. Despite this, XXXX XXXX reported the loan as unpaid on my credit report. 
This inaccurate reporting remained for several years and negatively impacted my credit. I only recently discovered the error and disputed it, which was approved and corrected. However, I suffered harm while the error remained, including credit denials lost of sleep, XXXX and damage to my financial reputation I am filing this complaint to seek accountability for the harm done and request assistance in pursuing compensation under the Fair Credit Reporting Act ( FCRA ). 
Supporting documents are available upon request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In 2019, I had an auto loan for {$19000.00} through XXXX XXXX. After an accident, the balance was fully paid off through my regular insurance and GAP insurance. Despite this, XXXX XXXX reported the loan as unpaid on my credit report. 
This inaccurate reporting remained for several years and negatively impacted my credit. I only recently discovered the error and disputed it, which was approved and corrected. However, I suffered harm while the error remained, including credit denials lost of sleep, XXXX and damage to my financial reputation I am filing this complaint to seek accountability for the harm done and request assistance in pursuing compensation under the Fair Credit Reporting Act ( FCRA ). 
Supporting documents are available upon request.

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