vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: FL

Complaint narrative:
I sent money to a company thru my chime account for an online gaming network thru XXXX. The name of the company is XXXX XXXX and they set me up an account thru XXXX XXXX XXXX  was the account info. When I contacted them to redeem my winnings of XXXX dollars all of a sudden my account was suspended and they tried to play XXXX. They scammed me out of my money and shouldn't hey away with it. I have pictures of the proof

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX Date : XXXX XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Personal Information on My Credit Report Dear Experian Disputes Department, I am writing to formally dispute certain personal information reported on my credit report. I have reviewed my credit file and found inaccuracies that I believe are in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, the information related to [ describe the inaccurate personal information, such as name, address, is incorrect. 

The FCRA mandates that credit reporting agencies maintain accurate and complete information. Under Section 1681i, I am entitled to dispute any information that is inaccurate, incomplete, or unverifiable. I kindly request that you conduct an investigation into the discrepancies I have identified, and correct or remove any inaccurate personal information from my credit report. 

The information I am disputing includes : [ Incorrect Information # 1 ] ( e.g., Misspelled Name : XXXX XXXX. 

Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have enclosed copies of relevant documents that support my dispute, including government-issued ID, utility bills, or other evidence that proves the inaccuracy. Please update my credit file accordingly and send me a revised copy of my credit report reflecting the corrections by mail. 

I expect that the investigation be completed within the 30-day period specified by the FCRA. If the investigation does not resolve the dispute in my favor or if the information can not be verified, I request that it be permanently removed from my credit report. 

If you require any further information or clarification, please do not hesitate to contact me by mail with the address listed above. 

Thank you for your prompt attention to this matter. I look forward to receiving an updated copy of my credit report. 

Sincerely, XXXX XXXX XXXX XX/XX/year>

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 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX Date : XXXX XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Personal Information on My Credit Report Dear Experian Disputes Department, I am writing to formally dispute certain personal information reported on my credit report. I have reviewed my credit file and found inaccuracies that I believe are in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, the information related to [ describe the inaccurate personal information, such as name, address, is incorrect. 

The FCRA mandates that credit reporting agencies maintain accurate and complete information. Under Section 1681i, I am entitled to dispute any information that is inaccurate, incomplete, or unverifiable. I kindly request that you conduct an investigation into the discrepancies I have identified, and correct or remove any inaccurate personal information from my credit report. 

The information I am disputing includes : [ Incorrect Information # 1 ] ( e.g., Misspelled Name : XXXX XXXX. 

Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have enclosed copies of relevant documents that support my dispute, including government-issued ID, utility bills, or other evidence that proves the inaccuracy. Please update my credit file accordingly and send me a revised copy of my credit report reflecting the corrections by mail. 

I expect that the investigation be completed within the 30-day period specified by the FCRA. If the investigation does not resolve the dispute in my favor or if the information can not be verified, I request that it be permanently removed from my credit report. 

If you require any further information or clarification, please do not hesitate to contact me by mail with the address listed above. 

Thank you for your prompt attention to this matter. I look forward to receiving an updated copy of my credit report. 

Sincerely, XXXX XXXX XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: NCB Management Services Inc.
State: SC

Complaint narrative:
Ive recieved numerous calls from this company. In the dispute. I requested verication of the account. The dispute was denied and verification was not sent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: CA

Complaint narrative:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent several letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under identitytheft.gov clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through identitytheft.gov, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. 

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LEXIS XXXX ( XXXX. XXXX XXXX ) : This decision clarified that a XXXX XXXX XXXX is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.

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 2025-03-24 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: LA

Complaint narrative:
On XX/XX/scrub> 2025 {$1000.00} was fraudulently spent from my sofi bank account. Based on records that I have the same charge was attempted at least once before, denied, and then allowed to go through. This charge left me with {$25.00} in my account and unable to pay rent or other living expenses. I reached out to sofi support on XX/XX/year>2025 and they filed a dispute on my behalf. Less than 24 hours later it was denied and they said the charges were legitimate. I had already explained that I've had issues with what I believed to be identity theft because I did not recognize a few things on my credit report but they did nothing else to help me or return my money. I was unable to pay rent that month, moved out to avoid an eviction, and was XXXX for a few weeks. I'm frustrated by their lack of investigation or support in this ordeal that has caused me substantial hardship. The support ticket # I opened with SoFi involving the dispute was XXXX. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Despite my previous three written request

s, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law. 

Please review the attached letter. Thank you for your assistance. 


.

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 2025-03-24 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: MD

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, CHALLENGED OR NOT.

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 2025-03-24 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: MO

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, CHALLENGED OR NOT.

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 2025-03-24 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: NY

Complaint narrative:
In accordance with the fair credit reporting act, The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account number XXXX in the amount of {$8900.00} XXXX Account number XXXX in the amount of {$1200.00}. 
XXXX Account number XXXX in the amount of {$470.00}. 
XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX amount of {$14000.00}. 
XXXX XXXX Account number XXXX in the amount of {$7200.00}. 
XXXX XXXX XXXXXXXX XXXX Account number XXXX amount of {$14000.00}. 
XXXX XXXX Account number XXXX amount of {$4200.00}. 
XXXX XXXX XXXX Account number XXXX amount of {$20000.00}. 
XXXX XXXX Account number XXXX amount of {$11000.00}. 
XXXX XXXX XXXX XXXX Account number XXXX amount of {$1000.00}. 
XXXX XXXX XXXX XXXX Account number XXXX amount {$5500.00}. 
XXXXXXXX XXXX XXXXXXXX account number XXXX amount {$8500.00}. 
XXXX XXXX XXXX account number XXXX amount of {$9000.00}. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : Also states a consumer reporting agency can not furnish an account without my written permission.

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 2025-03-24 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: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the fair credit reporting act, The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account number XXXX in the amount of {$8900.00} XXXX Account number XXXX in the amount of {$1200.00}. 
XXXX Account number XXXX in the amount of {$470.00}. 
XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX amount of {$14000.00}. 
XXXX XXXX Account number XXXX in the amount of {$7200.00}. 
XXXX XXXX XXXXXXXX XXXX Account number XXXX amount of {$14000.00}. 
XXXX XXXX Account number XXXX amount of {$4200.00}. 
XXXX XXXX XXXX Account number XXXX amount of {$20000.00}. 
XXXX XXXX Account number XXXX amount of {$11000.00}. 
XXXX XXXX XXXX XXXX Account number XXXX amount of {$1000.00}. 
XXXX XXXX XXXX XXXX Account number XXXX amount {$5500.00}. 
XXXXXXXX XXXX XXXXXXXX account number XXXX amount {$8500.00}. 
XXXX XXXX XXXX account number XXXX amount of {$9000.00}. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : Also states a consumer reporting agency can not furnish an account without my written permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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 am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX, XXXX and XXXX are reporting items on my credit report that has been paid in full negatively. ( Capital One, XXXXXXXX XXXX, capital one auto finance, XXXX XXXX XXXX XXXX XXXX ). These negative reporting items are preventing me from obtaining new credit and these negative reporting items are costing me XXXX XXXX  and higher interest rates every year due to the negative in accurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: DISCOVER BANK
State: FL

Complaint narrative:
XXXX, XXXX and XXXX are reporting items on my credit report that has been paid in full negatively. ( XXXX XXXX, Discover bank, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). These negative reporting items are preventing me from obtaining new credit and these negative reporting items are costing me XXXX XXXX  and higher interest rates every year due to the negative in accurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
send to a debt collector to verify the debt they claim you owe, ensuring you're not paying a debt you don't legally owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: VA

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, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief