vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-19 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: NJ

Complaint narrative:
I'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the items listed below : XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$5900.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$4900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX * * * * * * * * * Balance Owed : {$22000.00} OXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Chime Financial Inc
State: NC

Complaint narrative:
I used {$300.00} from my Chime Credit on XX/XX/XXXX, {$160.00} shopping in family dollar at XXXX XXXX  ; {$10000.00} shopping in XXXX at XXXX ; and XX/XX/XXXX {$37.00} in XXXX XXXX XXXX XXXX. I received statement from Chime Credit Builder to pay XX/XX/year>. 
I paid full XX/XX/year> Wich was before the due date. in my nest statement Chime credit builder sent the same {$300.00}. The false late payment on my credit report from Chime credit builder for {$300.00}. I made this payment on time, specifically on XX/XX/year> XXXX well before the due date. 

This delinquency is incorrect and negatively impacting my credit, I request its immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-07-19 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 is a formal notice to dispute an account currently listed on my credit file. I did not open this account, nor was I aware of it until I reviewed my report. I strongly suspect fraudulent activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAINE & WEINER COMPANY, INC.
State: LA

Complaint narrative:
incorrect reporting, unresolved disputes, closed account showing new late payments. I am writing to dispute collection accounts currently reported on my credit file. The following entries are inaccurate or require further investigation : Caine & Weiner Reported to collections, Inquiry Date : XX/XX/XXXX Credence Resource Management Reported to collections, Inquiry Date : XX/XX/XXXX XXXX  XXXX  Reported to collections, Inquiry Date : XX/XX/XXXX I do not have any knowledge of accounts associated with these collection agencies or any outstanding debt that would justify these entries. To my knowledge, I have not received any prior communication from these companies validating the debt, as required under the Fair Debt Collection Practices Act ( FDCPA ). These collection accounts are negatively impacting my credit and may have been reported in error or without proper verification. I respectfully request that : Each account be fully investigated ; The original debt be validated and verified in writing ; Any unverified or inaccurate information be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Freedom Mortgage Company
State: AE

Complaint narrative:
XXXX XXXX sold my mortgage to Freedom Mortgage. Freedom Mortgage then started charging me for hazard insurance that I did not authorize or want. Freedom mortgage added it to my escrow so that my monthly payment increases without notification to me.

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 2025-07-19 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 have reviewed my credit report and found an account that I did not open, authorize, or recognize. I have never given my consent for this account to be established and am concerned it may be the result of 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 2025-07-19 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: NC

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-07-19 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:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. ''

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 2025-07-19 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:
Dear CFPB, I am sending to dispute fraudulent items on my credit reports, which have resulted from identity theft. These items were opened without my authorization or consent, and their reporting violates multiple provisions of U.S. law, including the Fair Credit Reporting Act ( FCRA ). These items in question are : XXXX  XXXX Bankruptcy US BKPT CT XXXX XXXX XXXX XXXX XXXX Bankruptcy U.S. Bankruptcy Court XXXXXXXX XXXX XXXX balanced {$7300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: NY

Complaint narrative:
I am writing to bring to your attention a serious violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) concerning the improper handling and reinsertion of a collection account on my credit report. 

Violation Summary : Unauthorized Sale and Transfer of My Personal Information The original creditor appears to have sold or transferred my personal identifying information to a third-party collection agency without my consent or knowledge. This transaction, if it occurred, was done without proper notice or legal authorization, thereby breaching my privacy and violating FCRAs requirement to ensure that the use and dissemination of consumer information is done with permissible purpose ( 15 U.S. Code 1681b ).

Duplicate or Reinserted Collection Account Without Proper Notice The collection agency has either reinserted a previously removed collection account or reported a duplicate entry of an account that already exists on my credit file. According to 15 U.S. Code 1681i ( a ) ( 5 ) ( B ), if a previously removed item is reinserted, the credit bureau must notify me in writing within 5 business days. I have received no such notification, meaning this reinsertion is both improper and unlawful. 

Deceptive and Misleading Reporting Practices Reporting the same debt multiple times ( either through different collection agencies or using slightly altered account numbers ) is a tactic known as re-aging or double reporting, which is misleading and damages my credit unfairly. This practice violates 15 U.S. Code 1692e ( 8 ), which prohibits furnishing false or misleading credit information.

Failure to Validate Debt Upon Demand If the collection agency has failed to provide complete and verifiable validation of the debt after my request ( as required by 15 U.S. Code 1692g ), Credit bureaus are required under 15 U.S. Code 1681e ( b ) to maintain maximum possible accuracy in consumer credit reports. 
I am formally requesting the following actions be taken within the time frame required by law : Immediate investigation and deletion of any duplicate or improperly reinserted collection accounts.

Disclosure of the source of the information including the XXXX XXXX XXXX and XXXX Written explanation of how this account was verified and why it is being reported again.

A statement of compliance with the reinsertion notification rules, if applicable.

Failure to comply with this request may result in the filing of formal complaints with the CFPB, FTC, and state Attorney Generals office, and I reserve the right to pursue legal action for damages under 15 U.S. Code 1681n and 1681o, including statutory and punitive damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: NC

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal 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 2025-07-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing in response to the recent investigation. I do not agree with your findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditor that is reporting this information on my report and because of this I am now asking you for more information regarding these particular accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$520.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am writing to express my strong dissatisfaction regarding the recent issue with my account, specifically concerning settled payments that have not been accurately reflected. FCRA provides clear guidelines regarding the reporting and handling of consumer credit information, and I expect your immediate compliance.

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 2025-07-19 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: Radius Global Solutions LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> RADIUS GLOBAL SOLUTIONS LLC RE : Request for Debt Validation under 15 U.S. Code 1692g To Whom It May Concern : I am writing in response to a recent communication from your office regarding an alleged debt in the amount of {$1400.00} I do not acknowledge this debt and hereby formally dispute its validity. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, I respectfully request that you provide proper validation of this alleged debt. Please include : 1. The name and address of the original creditor. 2. The amount of the debt, including an itemized statement of all fees, interest, and charges. 3. A copy of the original agreement or contract that created the debt and gives you the right to collect on it. XXXX. Proof that XXXX XXXX is authorized to collect debts in my state. XXXX. A copy of any judgment, if applicable. While this debt is being validated, please cease all collection activity, including but not limited to : Reporting this debt to any credit reporting agency, Contacting me by phone or mail, Pursuing legal action. If you can not provide adequate validation, you must remove all information related to this alleged debt from my credit reports and cease collection efforts entirely. This letter serves as formal notice that I am exercising my rights under federal law. Please respond in writing. 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 non-monetary relief
Consumer complaint received 2025-07-19 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: NY

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. 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 explanation
Consumer complaint received 2025-07-19 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: NJ

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Subject : Urgent Escalation Fraud Dispute and Unauthorized Withdrawals on Personal and Business Accounts To Whom It May Concern, I am writing to formally escalate XXXX unresolved and unauthorized withdrawal disputes associated with my personal and business Bank of America accounts. Despite my repeated attempts to resolve this matter through standard customer service channels since XX/XX/year>, both claims were denied based on the assertion that the transactions originated from a device consistent with my prior activity. I strongly dispute this determination and believe my accounts were compromised by a third party. 

Disputed Transactions : Date of Unauthorized Activity : XX/XX/year> Claim # XXXX : XXXX Personal Checking Account ending in XXXX {$70000.00} Claim # XXXX : XXXX Business Account ending in XXXX {$50000.00} These transactions were not authorized by me or any account holder. In addition, unauthorized access to my online banking was used to : Add a co-owner named XXXX XXXX to my account without consent Create a new Savings Account ending in XXXX Transfer funds internally into the newly created account before they were withdrawn Actions I Have Taken : Updated all banking and login credentials Closed and reopened my checking and business accounts Removed unauthorized users and flagged all suspicious activity

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 monetary relief
Consumer complaint received 2025-07-19 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'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the items listed below : 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 According to FCRA Section 605B ( a ), Credit Reporting Agencies are obligated to investigate any information in the consumer 's file identified by the consumer as stemming from alleged identity theft. This investigation must be conducted within four business days of receiving the consumer 's notification. 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 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 XXXXXX/XX/year>

Company response to consumer: Closed with explanation