vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 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:
I was impacted by a recent data breach, and fraudulent accounts have been placed on my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), please ensure these accounts are blocked and deleted within XXXX  days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX XXXX, Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$3300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$330.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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 was impacted by a recent data breach, and fraudulent accounts have been placed on my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), please ensure these accounts are blocked and deleted within XXXX  days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX XXXX, Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$3300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$330.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-21 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: TX

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my FTC identity theft report ( FTC Report Number : XXXX ) to support my identity theft claim. 

Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

The following information on my credit report is the result of identity theft and should be blocked : CBNA / 426937 As required by 15 U.S.C. 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report any information that contains fraudulent data. 

Several times I have contacted the credit bureau to report these fraudulent accounts on my report, and the bureau has not provided a solution to this issue. I am being seriously affected, as this situation prevents me from acquiring a new home for my children. These collections were already eliminated and not verified by other bureaus, so I do not understand why it is being claimed that these accounts are mine. 

I have requested contracts from the company reporting these accounts, and for more than 60 days I have not received any response. Please help me by immediately deleting these accounts. I am attaching the FTC report, hoping that you will make a fair and appropriate decision in my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
[ XXXX XXXX ] Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX DC XXXX * * Subject : Dispute of Inaccurate Information on Credit Report Due to Identity Theft * * Dear CFPB, I am writing to formally dispute inaccurate information on my credit report resulting from identity theft. The following accounts are not mine, and I request your assistance in having them removed promptly : XXXX. * * XXXX XXXX XXXX ( Account Number : XXXX ) * * XXXX. * * XXXX XXXX  ( Account Number : XXXX ) * * These accounts have been opened using my personal information without my consent. I have not authorized any transactions or debts related to these accounts. 

Given the circumstances, I kindly request that you investigate these inaccuracies and take the necessary steps to have them removed from my credit report. 

Thank you for your attention to this matter. I appreciate your assistance in resolving this issue as quickly as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
[ XXXX XXXX ] Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Information on Credit Report Due to Identity Theft * * Dear CFPB, I am writing to formally dispute inaccurate information on my credit report resulting from identity theft. The following accounts are not mine, and I request your assistance in having them removed promptly XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Account Number : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Account Number : XXXX ) XXXX XXXX  These accounts have been opened using my personal information without my consent. I have not authorized any transactions or debts related to these accounts. 

Given the circumstances, I kindly request that you investigate these inaccuracies and take the necessary steps to have them removed from my credit report. 

Thank you for your attention to this matter. I appreciate your assistance in resolving this issue as quickly as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: LA

Complaint narrative:
I am rejecting XXXX XXXX response to my original complaint. Their reply fails to directly address the reporting issues I raised and instead requests documentation they already have access to as the furnisher of the data. This appears to be a delay tactic, not a genuine investigation. 

The account in question was part of a credit-builder product, which I paid in full. Despite that, XXXX XXXX is reporting it with XXXX late payments and/or charge-off language, which is both inaccurate and disproportionate to the nature of the product. 

I also dispute the accuracy of the payment history, and the companys reporting appears to misrepresent my payment behavior. XXXX is required under FCRA XXXX to verify the accuracy of what they furnish to the credit bureaus, not place the investigative burden on the consumer. 

Notice of Intent to Sue : If this account is not corrected or deleted from all credit reporting agencies within XXXX business days, I will proceed with legal action under : FCRA XXXX Failure to properly investigate disputed information FCRA XXXX Furnishing inaccurate or unverifiable data FCRA XXXX Civil liability for willful or negligent noncompliance This account is harming my credit profile and ability to obtain housing and credit. If the company can not produce full documentation to justify the derogatory reporting, it must be removed immediately. I reserve the right to escalate this to a consumer protection attorney

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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:
Today, while checking my credit report as I normally do, I found several accounts that shouldnt be there. I dont understand how they ended up on my report. I attempted to refresh the page thinking it could be a glitch, but the inaccuracies were still visible. Because of this, Im requesting a detailed review of the materials I provided to put this issue to rest for good.

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 2025-05-21 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:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I took out a payday loan in XXXX  and the company continues to call and harass me about this loan. It is well past the XXXX  year mark but they are stalking and harassing me and I need it to stop. I just received a state job and they have called my job and threatened going to HR

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and 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 2025-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: VA

Complaint narrative:
Subject : Chime Supervisor Admits No Policy Exists Illegal Timeline Reset and Denied Credit ( Regulation XXXX Violation ) To Whom It May Concern, I am filing this complaint against Chime Financial for violating Regulation E during an ongoing dispute process. My original fraud claim was filed on XX/XX/year>, and has now been reopened XXXX times. Each time, Chime has failed to resolve the issue or issue provisional credit as required by law. 

Here is what has occurred : XXXX. I submitted timely evidence ( including fake Chime message links used to steal my information ). 
XXXX. Chime closed and reopened my case XXXX times, each time resetting the investigation timeline despite it being the same case and the same evidence. 
XXXX. I was never issued provisional credit, even though the law requires it if an investigation exceeds XXXX business days. 
XXXX. I made repeated formal requests for : The written policy used to justify closing my dispute. 
The internal documents used to make that decision. 

None were provided. 

XXXX XXXX : During a phone call with Chime escalation supervisor XXXX ( reference number XXXX ), he failed to cite any written policy that allowed Chime to reset the clock each time the case was reopened. When directly questioned, XXXX slipped and admitted they could not provide such a policy. Despite that, the dispute was still closed again without honoring my rights under Reg E or providing any transparency. 

This shows : No legal basis exists for their repeated timeline resets. 
Chime is using this tactic to delay or avoid issuing the required provisional credit. 
Chime has withheld documentation I formally requested, which violates consumer transparency rights. 

I am demanding CFPB intervention to : Require Chime to issue my provisional credit immediately. 
Deliver all documentation and internal reasoning used in past denials. 
Cease the practice of clock-resetting without a policy or legal authority. 

This has caused severe financial hardship and emotional distress. Chimes actions are deceptive, non-compliant, and unlawful. 

Thank you for your attention. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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  and 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 2025-05-21 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: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-21 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: IL

Complaint narrative:
Ive noticed that my credit report includes incorrect personal information, and as a result, there are unfamiliar and inaccurate accounts showing up. This is not a mistake, and I need this issue taken seriously. My report appears to be mixed with someone else 's, and I keep seeing accounts and activity that have nothing to do with me. This is extremely concerning and has caused me a great deal of stress. These items have been already deleted by both XXXX  and XXXX, continued reporting of this is a violation of my rights as a consumer.

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and 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 explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc.
State: TX

Complaint narrative:
My loans have been in forebarance since the pandemic but I will be required to pay {$380.00} per month starting in XXXX. I am in sales, so my base pay is {$65000.00} annually. If I'm lucky, I'll make {$80000.00} this year, but still can not afford {$380.00} payments due to the cost of living in XXXX, XXXX. 

Prior to the pandemic, I was on an XXXX XXXX and am unable to reapply due to the issues with the courts.

Company response to consumer: Closed with explanation