vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-09 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:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I am submitting this formal complaint against Experian for ongoing violations of the Fair Credit Reporting Act ( FCRA ) related to my identity theft dispute. On XX/XX/year>, I submitted a legal demand with my FTC Identity Theft Report and supporting documentation, which identified fraudulent accounts from XXXX XXXX XXXX. Despite having received all required documents, Experian has failed to block or delete these accounts, in direct violation of FCRA 1681c-2, and has not conducted a reasonable reinvestigation under FCRA 1681i ( a ) ( 1 ). In addition, certain accounts appear to have been reinserted without proper notice, further violating FCRA 1681i ( a ) ( 5 ). Their refusal to comply continues to cause harm to my creditworthiness and financial well-being. 

XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this 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 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this 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 2025-10-09 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: NY

Complaint narrative:
Good day, I am writing to formally dispute these unauthorized hard inquiries that has appeared on my credit report. Upon reviewing my credit report, I noticed these hard inquiries that I did not authorize, and I believe these are result of fraudulent activity. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon regarding the resolution of this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: AZ

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: WA

Complaint narrative:
I was with my family on vacation XXXX we stay XXXX Apartment that had Ant 's I provide the bank with all the information they ask and all inclusive all the evidence inclusive video from the Apartment name XXXX XXXX XXXX. 
The Merchant he not telling the truth The Ant 's they wore inside of the molding Wall trim I will attach video Please am asking the CFPB for help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
am filling a complaint because my creditor is reporting late payment Account XXXX  XXXX that are inaccurate and not properly verified I have dispute directly with the credit bureau and the furnisher but the late payments remain without proper validation or documentation under 15 USC 1681S2 a furnisher must report accurate information under 15 US 1681 the credit bureaus must perform a reasonable investigation within 30 days Neither. provide sufficient evidence to support the negative reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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:
XXXXI am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breachXXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: IL

Complaint narrative:
I am writing to express my concerns about chime the recent cfpb lawsuit, highlight significant issues with the platform, despite using chime numerous of times and reporting discrepancies my financial insituation and chime failed to investigate my claims adequately. They informed me that recovery loss funds was impossible. and that tracking these funds was infeasible

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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:
My consistent record of timely payments should be properly represented. Its discouraging to see such an oversight.

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 2025-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
I am filing this complaint against Transworld Systems , Inc. ( TSI ) for repeated violations of the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and the Drivers Privacy Protection Act ( DPPA ), as well as potential violations including but not limited to the CFPB Consent Order previously issued against TSI. 

XX/XX/year> TSI first contacted me by email, stating I allegedly owed XXXXXXXX XXXX XXXX XXXX  {$300.00} ( {$260.00} XXXX {$46.00} TSI ). That same day, I notified them that the alleged debt is in error, that I have several recorded conversations with XXXX employees acknowledging a full refund and vouchers for future rentals due to them providing a rental vehicle with preexisting damage that caused me multiple damages due to their failure to properly maintain the vehicle. TSI was informed in writing that XXXX had already confirmed a full refund in XX/XX/year>. And they would be in multiple violations including but not limited to privacy/data violations if they pursued this erroneous debt that was clearly sent to them in error. 
XX/XX/year> Despite this notice TSI mailed me an unsolicited validation packet containing : o An invoice from XXXX showing a {$0.00} balance ( confirming no debt exists ). 
o A copy of my drivers license, which I never authorized XXXX or TSI to possess or transmit. 
XX/XX/year> I issued a formal cease and desist letter, citing the FDCPA, FCRA, and XXXX, and notifying them to immediately : XXXX. Cease all collection activity related to this account. XXXX. Permanently delete all copies of my drivers license and any other personal information obtained from XXXX. XXXX. Provide written confirmation that this account is closed with a {$0.00} balance. XXXX. Provide written confirmation that no negative credit reporting has been made in connection with this matter, or if it has, that it has been fully removed from all consumer reporting agencies. 
XX/XX/year> Subsequently, TSI instead of confirmation of compliance they caused further damages and transmitted the same drivers license and personal information unlawfully obtained, unlawfully possessing and without authorization to a third-party law firm in Louisiana that is now also in unlawful possession of my drivers license, causing further unlawful dissemination of my personal identification across multiple state lines. 
XX/XX/year> - A second Cease and Desist letter was sent to TSI notifying them of the compounded damages and violations and for them to stop immediately. 
As of the date and time of this formal notice to the CFPB they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Collection agency keeps harassing for a debt that is not mine, not valid, also breach of fiduciary duties. The original debt was discharged. Was wrongfully assigned and now unlawfully enforceable. As well as seeking damages to my record under 15 U.S. Code 1692k - Civil liability.

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 2025-10-09 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-10-09 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:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I am submitting this formal complaint against Equifax for ongoing violations of the Fair Credit Reporting Act ( FCRA ) related to my identity theft dispute. On XX/XX/2025, I submitted a legal demand with my FTC Identity Theft Report and supporting documentation, which identified fraudulent accounts from XXXX XXXX  XXXX, XXXX XXXX. Despite having received all required documents, Equifax has failed to block or delete these accounts, in direct violation of FCRA 1681c-2, and has not conducted a reasonable reinvestigation under FCRA 1681i ( a ) ( 1 ). In addition, certain accounts appear to have been reinserted without proper notice, further violating FCRA 1681i ( a ) ( 5 ). Their refusal to comply continues to cause harm to my creditworthiness and financial well-being. 

XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have contacted Transunion about the below accounts being on my credit report and requested that they verify that the accounts belong to me. 

XXXX XXXX XXXX XXXX XXXX. XXXX Accounts XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX I sent them a letter on XX/XX/year> and I have not received a response from them. Because they have taken more than 30 days to respond to my letter these accounts should be removed from my Transunion credit report.

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 2025-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kikoff Inc.
State: CA

Complaint narrative:
The account listed as Kikoff does not belong to me. This account was opened fraudulently and without my knowledge or authorization as a direct result of identity theft. I am a victim of this crime and have already filed an official identity theft report with the Federal Trade Commission ( FTC ) and a report with my local police department. I am not liable for any charges associated with this fraudulent account and request its immediate removal from my records and credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Hello Consumer Finance Department, Id like to escalate this dispute because I believe my bank 's resolution has been unfair. I purchased an item through XXXX ( XX/XX/year>XXXX  ) that was listed as new, but what I received was clearly used and damaged. Ive submitted multiple pieces of supporting evidence, including photos, the original listing, return policy guarantees, and communication with the seller. However, XXXX is refusing to honor its own return policy and wont cover the return shipping, which is against their customer satisfaction guarantee. Im basically stuck with a defective item and out the money - I still have the pair of shoes in my possession. 

Despite submitting all this documentation to my credit card Bank ( Goldman Sachs ) with Apple Card, multiple times, my case keeps getting closed with no logical explanation. I have been submitting this case repeatedly, possibly more than 4 different cases have been opened but everything has been closed. I have also asked and have been on the phone with multiple people attempting to escalate my case, however, I keep getting my matter resolved without resolution because Goldman Sachs is siding with XXXX. Please help, my credit card company is not doing their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Florida XXXX XX/XX/XXXXXXXX  Experian XXXX XXXX XXXX XXXX, TX XXXX Re : Request for Verification Under FCRA 609 Report number:XXXX DOB : XX/XX/XXXXXXXX  XXXX To Whom It May Concern, I am writing to request validation and verification of the following account being reported on my credit file, pursuant to my rights under Section 609 of the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). 

Account in Question : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Status : Paid/Closed Although this account is reported as paid, I am requesting proof of ownership and reporting accuracy, including : Original signed contract or application bearing my signature Complete payment history, dates, and documentation used to verify this account Name and address of the original creditor If you can not provide these documents or verify the accuracy of this account, I request its immediate deletion from my credit report, as required by FCRA 611 ( a ). 

Please respond within 30 days of receiving this letter, as mandated by federal law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: WA

Complaint narrative:
I discovered unauthorized inquiries on my credit report, and I dont understand why its there.

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 2025-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: NY

Complaint narrative:
Basically someone got a hold of my credit card information and account information and was able to use the card and make payments using other peoples information. Te debt was sent to collections and I was scared because my credit was getting messed up and I owed a lot of money out of thin air. So I seen mail from XXXX XXXX XXXX XXXX XXXX and contacted them so they can help me fix this. I ended up agreeing to pay {$520.00} to them every 2 weeks. Never even had the funds to consistently pay but still agreed, I ended up being able to meet the deadline sometimes and missing the rest. I no longer want to deal with this because this is not my debt, this is debt from the thief of my identity. I owe around XXXX.

Company response to consumer: Closed with non-monetary relief