vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-03 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: NE

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

1681c2 ) that you, the Equifax 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 : ACCOUNTS : CHILD SUPPORT NEBRASKA - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX, Balance : {$390.00} DISCOVERC - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XX/XX/XXXX Wakefield & Associates , Inc . 
XXXX XXXX Cedar XXXX XXXX XXXX XXXX XXXX, TN XXXX RE : Dispute of Medical Collection Accounts # 's XXXX, XXXX, XXXX To Whom It May Concern, I am formally disputing the accuracy and validity of the medical collection account you are reporting under my name. The amounts you are furnishing have changed multiple times, and the account is being kept in an active status for the sole purpose of harming my credit standing, have never received validation information since XX/XX/XXXX i will provide the letter they sent me. 

This conduct violates your obligations under : FCRA 623 ( a ) duty to furnish accurate, consistent, and complete information.

FCRA 607 ( b ) requirement to ensure maximum possible accuracy.

FDCPA 807 ( 2 ) ( A ) prohibits false representation of the character, amount, or legal status of any debt.

FDCPA 807 ( 8 ) prohibits reporting information to credit bureaus known to be false. 

Furthermore, since this concerns a medical debt, you are required to maintain compliance with XXXX privacy laws and ensure no unauthorized disclosure of medical information. 

I demand : Full validation of this account, including original itemized billing directly from the medical provider. 

An explanation for the inconsistent and inflated balances. 

Immediate cessation of reporting inaccurate or misleading information to any consumer reporting agency. 

If you can not provide full demanded validation, I demand deletion of this account from all consumer credit reports to which it has been furnished and cease and desist from further collection attempts/ activity. 

Failure to comply will result in formal complaints being filed with the Federal Trade Commission ( FTC ), and my State Attorney Generals office. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: GA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Red Oak, Georgia [ XXXX ] TransUnion XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX Subject : Request to Unlock Online Account Identity Theft Restrictions Peace to Whom It May Concern, I, XXXX XXXX XXXX, standing in propria persona, XXXX XXXX, am writing to demand the immediate unlocking of my TransUnion online account. In XXXX XXXX, I was a victim of identity theft, and restrictions were placed on my credit file. While I understand these measures were originally intended for my protection, they now cause an undue burden and prevent me from properly managing my file. 

I require direct online access in order to review my credit report, submit disputes, and correct derogatory or erroneous information electronically. Forcing me to mail disputes is an unnecessary inconvenience and violates the intent of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), which guarantees my right to dispute inaccurate or unverifiable information.

Accordingly, I demand the following : 1. Immediate removal of restrictions preventing my use of the TransUnion online dispute system. 

XXXX. Restoration of my ability to review, monitor, and dispute my credit file electronically. 

XXXX. Written confirmation by both email and U.S. mail that my online access has been restored. 

This request must be addressed, and confirmation provided, within XXXX ( XXXX ) days of receipt of this notice. Failure to comply will constitute a violation of my consumer rights under federal law. 

For verification purposes, I enclose the following documents : Copy of recent utility bill ( proof of address ) Copy of Social Security Card Copy of Nationality Identification Card In Equity and Honor, Affiant : XXXX XXXX XXXX, de jure in propria persona, XXXX XXXX, in solo proprio authorized representative, XXXX XXXX. 
XXXX XXXX XXXX ; All Rights Reserved. 
C/o P.O. Box XXXX XXXX XXXX, Georgia [ XXXX ] Date : XX/XX/XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
I am filing this complaint against Capital One Auto Finance for failing to comply with the Fair Debt Collection Practices Act ( FDCPA 809 ( b ) ) and the Fair Credit Reporting Act ( FCRA 623 ( a ) ( 8 ) ) regarding the above-referenced account. 

On XX/XX/year>, I sent Capital One a Debt Validation Letter via Certified Mail requesting lawful validation of the alleged debt. USPS confirmed delivery ( green card attached ).

Capital One responded with a denial that did not include the required validation, such as : Original signed retail installment contract Full itemized accounting of payments, charges, and interest Proof of ownership/assignment establishing their legal right to collect This constitutes a failure to validate the debt under federal law.

Evidence Submitted I am attaching the following supporting documents : 1. Debt Validation Letter ( with USPS proof of delivery ) 2. Affidavit of Truth ( sworn and notarized ) 3. Revocation of Power of Attorney ( sworn and notarized ) 4. Fee Schedule & Notice of Terms ( signed ) 5. Notice of Failure to Validate Debt & Continued Dispute 6. USPS Certified Mail Receipts and Return Green Card

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: TX

Complaint narrative:
This complaint concerns two collection accounts on my credit reports that are being reported inaccurately, incompletely, and in violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards.

I already mailed formal disputes to Equifax, Experian, and TransUnion by certified mail. Despite providing proof of errors, the bureaus either verified the accounts without evidence or failed to correct them.

The disputed accounts are : XXXX XXXX XXXX XXXXXXXX XXXX reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported as XXXX XXXX XXXX XXXX Violations Identified XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) Date of First Delinquency ( DOFD ) inconsistent or missing across bureaus. 

Date Opened and Date Updated fields reported differently to different bureaus. 

Balance vs. Status conflict ( showing a balance while also coded as paid/closed ). 

Original creditor not consistently identified. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account number incomplete, missing digits. 

Dates ( Opened/Reported ) inconsistent across bureaus. 

Account not marked as disputed by consumer after my disputes were received. 

Contradictory charge-off/balance reporting. 

Creditor name inconsistent ( listed as XXXX XXXX XXXX XXXX instead of XXXX XXXX XXXX XXXX ). 



FCRA and Metro 2 Violations FCRA 602 ( A ) Information must be fair, accurate, and not misleading.

FCRA 607 ( B ) Bureaus must assure maximum possible accuracy.

FCRA 611 Bureaus must conduct a reasonable reinvestigation after dispute.

FCRA 623 ( a ) ( 3 ) Furnishers must mark accounts as disputed.

FCRA 623 ( a ) ( 5 ) Furnishers must accurately report the DOFD.

Metro 2 Compliance Inaccurate coding, inconsistent dates, improper status and balance reporting.

Requested Resolution I am requesting that the CFPB require : Immediate deletion of both accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) from all three credit reports. 

Confirmation that XXXX XXXX XXXX and XXXX XXXX XXXX XXXX report only complete, accurate, and Metro 2compliant data.

Copies of all records the bureaus and furnishers relied upon to verify these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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:
These unauthorized accounts were fraudulently created and are not linked to me. I ask that they be deleted and investigated right away. Relevant documents are enclosed.

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 2025-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: MI

Complaint narrative:
My complaint is with Chime Financial Inc. regarding a hold placed on a mobile check deposit in my deposit checking account, which is held by their partner bank, XXXX XXXXXXXX XXXX XXXXXXXX. 

On Saturday, XX/XX/year>, I used the mobile deposit feature in my Chime checking account to deposit a check for {$110.00}. 

The check was a reimbursement issued from my Flexible Spending Account ( FSA ) administrator, XXXX XXXX This is a standard, legitimate check from a reputable financial administrator.

Shortly after the deposit, I was notified that a hold was placed on the full amount of the check. The funds have not been made available to me. I contacted Chime customer service on Tuesday, XX/XX/year> to inquire about the hold and was given no valid response as to what reason under regulation CC the check was held.

According to the Federal Reserve Regulation CC ( Expedited Funds Availability Act ), financial institutions are required to make the first {$270.00} of a deposited check available on the next business day after the day of deposit, even in many cases where an extended " exception hold '' is placed.

My deposit of {$110.00} is well below this {$270.00} threshold. Therefore, the entire amount of my deposit should have been made available to me on the next business day, which was today, XX/XX/year>. By placing a hold on the full amount, XXXX XXXX XXXX operating through its Chime platform, is in violation of Regulation CC. Their failure to provide a specific, valid reason for the hold further suggests an improper application of their funds availability policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: LA

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: LA

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax 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 : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$30000.00} 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: TX

Complaint narrative:
XXXX Original Creditor : XXXX XXXXXXXX XXXX  Balance Owed : {$0.00} I am disputing the collection account reported by your agency. Under FDCPA 809 and FCRA 611, you are required to validate this debt.

Grounds for Dispute : 1. Provide proof of assignment from the original creditor.

2. Provide the original signed agreement.

3. Provide a full itemized accounting of the alleged balance.

4. Without proper validation, this account must be deleted 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 2025-09-03 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: NJ

Complaint narrative:
I am filing a complaint because inaccurate and inconsistent collection accounts continue to be reported on my credit file. 

XXXX XXXX XXXX ( {$1900.00} ) : Equifax shows a consumer dispute remark, while TransUnion and Experian do not. This account can not be verified accurately. 

XXXX XXXX XXXX ( {$510.00} ) : Equifax reports it as Consumer disputes after resolution, but the other bureaus show different remarks. This is inconsistent and misleading. 

XXXX XXXX ( {$2500.00} ) : TransUnion shows a {$0.00} balance, Experian lists {$2500.00} owed, and Equifax shows Collection/Chargeoff. These reporting conflicts make it inaccurate and harmful.

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 2025-09-03 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: FL

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

1681c2 ) that you, the Equifax 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 : ACCOUNTS 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 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 : {$950.00} 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, 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 response to consumer: Closed with non-monetary relief