vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: CA

Complaint narrative:
Issue : Identity theft / account takeover during incarceration + inaccurate credit reporting I am filing a NEW complaint because the company has repeatedly provided conclusory responses and has not produced transaction-level proof. 
I was incarcerated beginning XX/XX/XXXX through XX/XX/XXXX ( see custody verification ). I also have an FTC Identity Theft Report attached. 
I dispute all transactions, fees/interest, delinquency, and negative credit reporting after XX/XX/XXXX as unauthorized account takeover during incarceration. 
Demand : For each transaction after XX/XX/XXXX, provide documentary proof I authorized it : card-present vs card-not-present indicator ; receipts/sales drafts and chip/swipe/keyed data ; XXXX results ; IP/device/session data ; shipping address + tracking + delivery confirmation ; and XXXX enrollment + trace. 
Requested resolution : Remove all XXXX charges/fees/interest, correct the balance, and correct/delete related negative credit reporting unless the company can provide competent proof tying the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: CA

Complaint narrative:
I am formally requesting the prompt removal of the unauthorized accounts listed on my credit report, as I neither authorized nor was aware of their existence. In compliance with 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Enclosed are supporting documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 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: TX

Complaint narrative:
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

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 2025-12-24 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: CA

Complaint narrative:
Name : XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX : XX/XX/XXXX NOTICE OF FORMAL DISPUTE & DEMAND FOR DELETION Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) To Whom It May Concern, I am writing to formally dispute inaccurate, incomplete, misleading, and unlawfully reported information appearing on my consumer credit files with your agency. 

After reviewing my credit report, I have identified multiple violations of the Fair Credit Reporting Act ( FCRA ), including but not limited to : Duplicate reporting of the same account Conflicting balances, payment histories, and account statuses Illegal re-aging of charged-off accounts Failure to properly investigate disputed information Reporting of unverifiable collection accounts Inconsistent Dates of First Delinquency Under 15 U.S.C. 1681e ( b ), you are required to maintain maximum possible accuracy.

Under 15 U.S.C. 1681i, you are required to conduct a reasonable reinvestigation of all disputed information. 



ACCOUNTS IN DISPUTE ( MANDATORY DELETION REQUIRED ) The following accounts are reporting inaccurately and must be deleted immediately due to FCRA violations : XXXX XXXX XXXX  XXXX Account # : XXXX ( duplicate and conflicting tradelines ) XXXX  XXXX Account # : XXXX ( conflicting dispute and delinquency reporting ) XXXX XXXX Account # : XXXX ( illegal re-aging after charge-off ) XXXX XXXX XXXX XXXX XXXX Account # : XXXX ( unverified and incomplete reporting ) XXXX  XXXX XXXX Account # : XXXX ( inconsistent dates, balances, and status ) These accounts can not be corrected due to the extent of inaccuracies and must therefore be deleted in full pursuant to 15 U.S.C. 1681i ( a ) ( 5 ).

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 2025-12-24 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: AZ

Complaint narrative:
I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
The morning of XX/XX/2025 I noticed my payroll deposit had posted, I suddenly received a text message from Chime asking about a debit purchase for {$750.00} to XXXX XXXX, I replied NO, they responded telling me that a Chime agent was going to call me shortly, my phone rang and caller ID said Chime, I answered. The caller said they were Chime Security asking me about the transaction again and they said I was victim of identity theft and offered to set up a new profile for me which included a new account number, ( since I am aware that my personal information has been leaked through data breaches and found on the Dark web, I agreed. ) I was provided the new account number via email from Chime and this Chime Security person whose name is XXXX XXXX. They instructed me to through the Chime app transfer my money {$680.00} from my account to the new account number through the 'pay anyone ' feature in the app I did so, she instructed me to do it twice since I hadn't included all of my money, the sent to portion says Chime security, but then it also says XXXX XXXX XXXX The following day my money was not in my account, I called the number that was supposed to be my account number, XXXX XXXX answered the phone and tells me that it hadn't been XXXX hours yet and at XXXX hours my money would be in my account and the new account number would be in the app. Well the next day both where not evident, not my money nor the new account number. I immediately contacted Chime and opened a dispute, I was denied, I filed rebuttals 4 or 5 times Chime denied all of them. I asked XXXX  for assistance, they were not able to get any results from Chime either. XXXX XXXX had stated that if there was any issues or problems Chime would investigate the matter and my money would be returned to me in 45 days.The phone number I had dialed was the number that was supposed to be my new account number from the email, I provided screenshots,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: TX

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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 2025-12-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I request the immediate removal of this late payment from my account, as it is not correct and does not show my true payment history. I have always made my payments on time, and this mistake should not be there. This was paid as agreed and should not be showing negatively on my report. Please update my account as soon as possible.

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 2025-12-24 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: CA

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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 strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: IL

Complaint narrative:
XXXX XXXX XXXX  : Inquired on XXXX XXXX I, XXXX XXXX, didn't give the right to pull my consumer report. There isn't any written permission from me. I want the inquiries deleted from my consumer report. 
So, if you said I gave you permission, but I am asking, you know, for the document, where 15 USC 16 ad XXXX b XXXX says that I gave you that written permission and you can not provide a document. That equals identity theft. 
Under 15 U.S.C. 1681n - U.S. Code - Unannotated Title 15. Commerce and Trade 1681n. Civil liability for willful noncompliance, it says : " Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' I demand it be removed from my credit account immediately. I do prefer a cash check please.

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 2025-12-24 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: TX

Complaint narrative:
Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of late payments.

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 2025-12-24 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:
Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. 

This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

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 2025-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAVALRY INVESTMENTS, LLC
State: PA

Complaint narrative:
I disputed a credit card account that Cavalry Portfolio Services , LLC claims to own, originally from XXXX XXXX XXXX Cavalry acknowledged receipt of my dispute and stated that the account was marked as disputed with the credit reporting agencies. However, Cavalry responded only with a generic statement that it verified the account internally and did not provide any documentation validating the debt. 

Cavalry did not provide a copy of the original signed credit agreement, a payment history, documentation showing the chain of assignment from the original creditor, or evidence supporting the accuracy of the balance being reported. Despite this, Cavalry continues to report the account as accurate. 

I believe Cavalrys investigation was inadequate and did not resolve the disputed information. I am requesting that Cavalry either provide proper documentation validating the debt or correct or delete any inaccurate credit reporting related to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I am filing this complaint against SoFi Bank, XXXX. due to ongoing unresolved issues involving misrepresentation of account services, mishandling of a stop-payment request, and contradictory statements made to me and to the CFPB. 

On or before XX/XX/year>, I enrolled in XXXX Money by XXXX, which is a co-branded integration within the XXXX XXXX application that links directly to a XXXX  checking and savings account. After enrollment, I experienced repeated problems accessing account features in XXXX XXXX, including viewing card details and account functions. Despite following all troubleshooting steps provided by XXXX and XXXX, the issues persisted. XXXX later denied that I held a XXXX Money by XXXX account, even though my XXXX account information was visible within XXXX XXXX and XXXX XXXX confirmed the data originates from XXXX. 

In XX/XX/year>, I escalated these access and misrepresentation issues through XXXX XXXX XXXX team and the CFPB. Despite escalation, XXXX failed to resolve the issue and later made statements to the CFPB denying the nature of the XXXX XXXX by XXXXXXXX XXXX 

Separately, on XX/XX/year>, I contacted XXXX customer service to request a stop payment against a merchant attempting to charge my debit card. The agent confirmed that a block would be applied for approximately 4090 days. Despite this assurance, the merchant attempted to charge my account again. 

On XX/XX/year>, I contacted XXXX and was informed that the XX/XX/XXXX stop-payment request had been logged but was never activated. A new request was submitted at that time. On XX/XX/year>, XXXX sent an email stating they could not stop payment because the merchant was not billing the charge as recurring. This directly contradicted what I had been told by prior agents. 

In subsequent CFPB responses dated XX/XX/XXXX and XX/XX/year>, XXXX claimed the stop-payment request was successfully processed and introduced a new claim that a XXXX stop-payment disclosure had been provided to me. This disclosure was never mentioned during any call and directly contradicts earlier statements by XXXX agents. 

XXXX has repeatedly changed its explanation, denied responsibility, and closed CFPB complaints without addressing these contradictions. I am filing this new complaint because XXXX has not provided a truthful, consistent explanation, has failed to properly execute a stop-payment request, and continues to misrepresent the XXXX XXXX XXXX XXXX service and my account status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of late payments.

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 2025-12-24 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 am writing to request the swift removal of unauthorized accounts from my credit report, as I did not authorize them and was unaware of their existence. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Supporting documents are enclosed for your reference.

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 2025-12-24 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: TX

Complaint narrative:
I am writing to request the swift removal of unauthorized accounts from my credit report, as I did not authorize them and was unaware of their existence. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Supporting documents are enclosed for your reference.

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 2025-12-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2025-12-24 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party

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 2025-12-24 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 respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 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: FL

Complaint narrative:
My name is XXXX XXXX here is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 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: CA

Complaint narrative:
Could you examine this item? It might be late or wrong.

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