vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-07 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: GA

Complaint narrative:
I discovered multiple collection accounts on my credit report that I was previously unaware of. These accounts were placed by different companies without my knowledge, and I was never properly notified or given a chance to resolve or dispute the debts before they were reported. Heres a breakdown : 1. XXXX XXXX XXXX / XXXX XXXX XXXX Date Opened : XX/XX/year> Amount : {$480.00} Issue : I was never informed by XXXX XXXX XXXX about any outstanding balance. I received no bills, notices, or communication. The debt appeared on my credit report unexpectedly. 
Actions Taken : I contacted both XXXX and XXXX for more information and requested validation of the debt. I am now formally disputing it and requesting removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/XXXX, I got several emails from Chime stating that I had opened a debit and credit card account and that cards were being sent to me. I contacted Chime to report that this was a fraudulent account, but they couldn't verify my account without additional personal information ( my name and date of birth ) that I didn't feel comfortable providing. I received other marketing type emails from them, but nothing else until today when I received nearly 30 emails about various account activity. 4 emails said I requested money from other people ( ranging from {$250.00} to {$420.00} for reasons " XXXX '' ). 13 emails said I sent other people money. The amounts were odd and repetitive, ranging from {$0.00} to {$400.00} and the comments were always " XXXX ''. I got 7 emails that other people paid me, again ranging from amounts {$0.00} to {$400.00} and had some random reasons in comments or " XXXX ''. Finally, I got a request for {$230.00}. I called Chime 3 times today during all of this. The first time I gave them my email, full name and DOB and they said they couldn't verify any account information with that. The second time was similar. The third time I called, they finally closed my account. My concern now is that I have some credit card debt assigned under my name which could affect my credit score. Chime said they couldn't give me any more information without an FTC report and a photo of my ID front and back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX, A collection opened at XXXXXXXX XXXX on XX/XX/XXXX under account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: MD

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification.

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: MS

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$510.00} Collection Account Name : Untitled Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$290.00} Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to 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 2025-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
I am filing a complaint against Tower Loan and their collector, XXXX XXXX XXXX, XXXX. Tower Loan contacted third parties without my consent, including my employer, my mother ( who is not a listed reference ), and a coworker on her personal phone while we were at work ( also not a listed reference ). These actions violate the Fair Debt Collection Practices Act ( FDCPA ). 

I verbally revoked consent for any further contact and then hand-delivered a written revocation of contact letter to Tower Loan , which they accepted but refused to sign a receipt for. I have evidence from every interaction on the date this occurred. 

I also requested a debt validation letter from XXXX XXXX XXXX, XXXX in response to a mailed collection notice dated XX/XX/year>25 on the envelope, with a contact-by date of XX/XX/scrub>/25 on the letter, but with no creation date. Before submitting the revocation letter, I attempted to deliver additional related documents, which the employee initially accepted but then refused to take after I asked if she would sign acknowledging receipt. 

These actions have caused me embarrassment, XXXX XXXX and have interfered with my workplace relationships.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: NC

Complaint narrative:
I recently obtained and reviewed a copy of my persons consumer credit report and noticed multiple accounts full of inaccurate information that has adversely affected the integrity of my persons consumer credit report. It is the duty and responsibility of the credit reporting agencies to make sure that they take the necessary steps to ensure that every consumer report is investigated properly and provided with the best accuracy possible which reaches far beyond the extent of internal rules, policies and procedures per 15 U.S.C. 1681s-2. Failure to reinvestigate this matter shall result in liabilities under 15 U.S.C. Subsection 1681s-2 ( b ) for failure to conduct a reasonable investigation The FAIR CREDIT REPORTING ACT exists to prevent harm to consumers. It requires data furnishers to report only accurate and verifiable information, mandated to conduct a reasonable investigation and correct or delete any information found to be inaccurate or unverifiable in the context of securitized or unrecognized debt. Furthermore, under 15 U.S.C. 1681i ( aX7 ), the consumer has the right to know how the information was verified, including what sources were used, who verified the claim, and what documentation was reviewed and received.

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 2025-08-08 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: NC

Complaint narrative:
I recently obtained and reviewed a copy of my persons consumer credit report and noticed multiple accounts full of inaccurate information that has adversely affected the integrity of my persons consumer credit report. It is the duty and responsibility of the credit reporting agencies to make sure that they take the necessary steps to ensure that every consumer report is investigated properly and provided with the best accuracy possible which reaches far beyond the extent of internal rules, policies and procedures per 15 U.S.C. 1681s-2. Failure to reinvestigate this matter shall result in liabilities under 15 U.S.C. Subsection 1681s-2 ( b ) for failure to conduct a reasonable investigation The FAIR CREDIT REPORTING ACT exists to prevent harm to consumers. It requires data furnishers to report only accurate and verifiable information, mandated to conduct a reasonable investigation and correct or delete any information found to be inaccurate or unverifiable in the context of securitized or unrecognized debt. Furthermore, under 15 U.S.C. 1681i ( aX7 ), the consumer has the right to know how the information was verified, including what sources were used, who verified the claim, and what documentation was reviewed and received.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: FL

Complaint narrative:
To my surprise and deep frustration, I discovered an unauthorized inquiry on my credit report today. This is completely unexpected as I monitor my credit closely. I thought it might be a browser issue, but refreshing didnt change anything. Please take immediate action by carefully reviewing the documents Ive provided so I no longer have to deal with this ongoing concern.

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

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$150.00} DPEDXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$15000.00} DPEDXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$29000.00} DPEDXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} DPEDXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$140000.00} DPEDXXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$29000.00} DPEDXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} INQUIRIES 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 XXXXXX/XX/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 2025-08-08 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 2025-08-08 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: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: MD

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification.

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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:
PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
We pay our credit card balance in full every month and have for decades. It is the XXXX XXXX XXXX card with Marcus Bank. On XX/XX/year> XXXX failed to pull the funds of {$2300.00} from our account at XXXX XXXX XXXX XXXX which had over {$30000.00} in it. My account was charged {$25.00} for ACH RT fee and {$52.00} interest fee by Marcus. On XX/XX/XXXX we discovered this happened an sent a payment of {$2300.00} to Marcus which was received. On XX/XX/XXXX, I called the GM Card, spoke to a rep who said there was an error on their part but could only refund {$25.00} as per their policy. I then spoke to a supervisor who said he could create a case to get he full amount refunded. He then noticed we had sent a payment on XX/XX/XXXX which showed as a late payment. This meant they would not be able to give a full refund. Meaning we were penalized by trying to get the payment to the bank asap rather than waiting another month. This made no sense to me. The rep agreed with me but said that is the policy. I said I want to pursue it further. He said all I could do was send an email to GM card but there is no email address available that I could find. I want a refund of the full interest of XXXX plus the {$25.00} I was charged by my credit Union

Company response to consumer: Closed with explanation