vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-26 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: IL

Complaint narrative:
This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. 
Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3 rd parties you are damaging my reputation and damaging my creditworthiness.

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed. 

Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have & quot; verified & quot ; the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization NOTE : ATTACHED IS PROOF OF IDENTITY WHICH IS SOCIAL SECURITY VERIFICATION AND ID FOR NAME AND ADDRESS AND FTC REPORT SENT!!!!!!!!!!!!! 
THANKS IN ADVANCE FRAUDULENT AND UNATHORIZED ACCOUNTS DUE TO IDENTITY THEFT XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$33000.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$30000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: IL

Complaint narrative:
This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. 
Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3 rd parties you are damaging my reputation and damaging my creditworthiness.

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed. 

Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have & quot; verified & quot ; the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization NOTE : ATTACHED IS PROOF OF IDENTITY WHICH IS SOCIAL SECURITY VERIFICATION AND ID FOR NAME AND ADDRESS AND FTC REPORT SENT!!!!!!!!!!!!! 
THANKS IN ADVANCE FRAUDULENT AND UNATHORIZED ACCOUNTS DUE TO IDENTITY THEFT XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$33000.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$30000.00}

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 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint against the credit reporting agencies TransUnion, Experian, and Equifax for failing to ensure the maximum possible accuracy of the information they report on my credit file, as required under the Fair Credit Reporting Act ( FCRA ), Section 607 ( b ).

I recently disputed several derogatory accounts on my credit report and requested verification. Despite my request, some of the accounts came back as " verified, '' yet they still reflect incorrect, incomplete, or inconsistent information across the three credit bureaus. 

Account : XXXX XXXX Account number : XXXX Reported inconsistencies among all bureaus as follows : Date opened XX/XX/scrub>/2016 vs XXXX/2016 Account Type Details High credit Credit limits I believe the credit reporting agencies have failed to conduct a proper reinvestigation and are continuing to report inaccurate and misleading information. Under the FCRA, information must be complete and verifiable, and the current reporting fails that standard. 



Provide documentation of the verification method used. 

Ensure all reported accounts meet the standard of maximum possible accuracy. 

The continued reporting of unverifiable or conflicting data is damaging my creditworthiness and causing harm. 

Additional Information : I have retained documentation/screenshots showing the discrepancies. 

Disputes were submitted through the appropriate channels and responses were inadequate. 

These actions violate my rights under the FCRA.

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 2025-07-26 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:
I have an account that went into collections on my latest Experian credit report XX/XX/year>. The report says that the debt has went to collections and I owed {$920.00} to XXXX XXXXXXXX XXXX XXXXXXXX XXXX. I have never been to or heard of XXXX XXXXXXXX XXXX XXXXXXXX XXXX. I have never received any mail any phone calls or even any emails notifying me I was in debt with that company. I looked up their company online and found that most if not all of the reviews have people with the same problem. That they have a collections from XXXX XXXX XXXX XXXX XXXX but have never been there or heard of them. I have an 100 % on time payment history on all of my accounts in my credit file. My score has dropped XXXX points over this. I have submitted a dispute with Experian and would like to get this resolved.

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 2025-07-26 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: IL

Complaint narrative:
Ive Sent in paper work to report a data breach and fraudulent activity on my account. My personal information was exposed in a breach, and l 've noticed suspicious transactions on my account. 
XXXXXXXX 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 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 2025-07-26 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: BTH Management
State: SC

Complaint narrative:
My identity was used to get a loan and it is adversely being reported on my credit. I have filed a police report for identity theft and I want it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that Experian, delete and remove all false/ fraudulent information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an unauthorized account established with XXXX XXXX XXXX XXXX as well several unauthorized hard inquiries from the following companies listed below. 

CXXXX 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/XXXX Experian These accounts have resulted in fraudulent collections and hard inquiries appearing on my consumer FICO credit report. I've attached a list of the accounts 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 inquiries as reported. The aforementioned accounts, collections, and 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 inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint number ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and inquiries are the direct 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 2025-07-26 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: MI

Complaint narrative:
I am submitting this formal complaint to TransUnion concerning inaccurate information on my credit file that has not been properly validated, confirmed for accuracy, or physically verified. 

Upon reviewing my credit report, I identified questionable and potentially incorrect entries that appear to lack proper verification. As a consumer, I have the right to request the prompt removal of such items under both federal and state consumer protection laws. This complaint also serves as a reminder of your obligation to comply with FACTA Title I, Section 151, which outlines the appropriate procedures for handling consumer data.

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 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint against the credit reporting agencies TransUnion, Experian, and Equifax for failing to ensure the maximum possible accuracy of the information they report on my credit file, as required under the Fair Credit Reporting Act ( FCRA ), Section 607 ( b ).

I recently disputed several derogatory accounts on my credit report and requested verification. Despite my request, some of the accounts came back as " verified, '' yet they still reflect incorrect, incomplete, or inconsistent information across the three credit bureaus. 

Account : XXXX  Account number : XXXX Inconsistent information reported across all 3 reporting bureaus Transunion, Experian, and Equifax as follows : Date opened XX/XX/year> VS XX/XX/year> High credit {$2100.00} vs {$1500.00} Credit Limits Account type XXXX believe the credit reporting agencies have failed to conduct a proper reinvestigation and are continuing to report inaccurate and misleading information. Under the FCRA, information must be complete and verifiable, and the current reporting fails that standard. 

Provide documentation of the verification method used. 

Ensure all reported accounts meet the standard of maximum possible accuracy. 

The continued reporting of unverifiable or conflicting data is damaging my creditworthiness and causing harm. 

Additional Information : I have retained documentation/screenshots showing the discrepancies. 

Disputes were submitted through the appropriate channels and responses were inadequate. 

These actions violate my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: TX

Complaint narrative:
So I get Social Security, and I am supposed to receive my Social Security XXXX days earlier. We have a agreement on the chime bank and bank account. XXXX XXXX Direct Deposit I am writing to formally file a complaint regarding a significant delay in receiving my XXXX XXXX direct deposit through my Chime account. According to Chimes early deposit policy, I was expecting to receive my XXXX XXXX payment XXXX days earlier than the standard pay date by XX/XX/year>. However, as of today, XX/XX/XXXX, the deposit has not arrived. 

I have spoken to a Chime support assistant who gave conflicting information, stating the payment may arrive on the XXXX, which is not in line with Chimes advertised early deposit policy. This delay has caused me significant hardship : I am currently unable to pay bills and meet basic needs due to the missing funds. I am disputing this transaction because I did not authorize it OR the merchant failed to deliver the product/service as promised. Ive already tried to resolve it with the merchant but had no success. I request an immediate investigation and refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Netspend Corporation
State: VA

Complaint narrative:
Netspend was having a promotion of having a {$400.00} direct deposit within 60 days and get {$200.00}. I spoke to the agent and confirmed I have fulfilled all the requirement and will get the bonus in 5 business days, but I still have not received anything yet.

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 2025-07-26 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: 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, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint against the credit reporting agencies TransUnion, Experian, and Equifax for failing to ensure the maximum possible accuracy of the information they report on my credit file, as required under the Fair Credit Reporting Act ( FCRA ), Section 607 ( b ).

I recently disputed several derogatory accounts on my credit report and requested verification. Despite my request, some of the accounts came back as " verified, '' yet they still reflect incorrect, incomplete, or inconsistent information across the three credit bureaus. 

Account : XXXX XXXX Account number : XXXX Reported inconsistencies among all bureaus as follows : Date opened XX/XX/scrub>/2016 vs XXXX/2016 Account Type Details High credit Credit limits I believe the credit reporting agencies have failed to conduct a proper reinvestigation and are continuing to report inaccurate and misleading information. Under the FCRA, information must be complete and verifiable, and the current reporting fails that standard. 



Provide documentation of the verification method used. 

Ensure all reported accounts meet the standard of maximum possible accuracy. 

The continued reporting of unverifiable or conflicting data is damaging my creditworthiness and causing harm. 

Additional Information : I have retained documentation/screenshots showing the discrepancies. 

Disputes were submitted through the appropriate channels and responses were inadequate. 

These actions violate my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I woke up this morning with XXXX separate emails that I had a hard credit inquiry made on XX/XX/year> by XXXX XXXX. This was not made by me. My last credit inquiry was made to the same bank on XX/XX/year>. It is also showing up on my XXXX XXXX account.

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 2025-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I had logged into my account to send money and they had asked me to send in a photo of my ID and verify my identity, After that I had got a popup saying my account has been permanently suspended I had called customer service for reasons and got told they couldnt tell me why. Now theyre holding my money until XX/XX/year> and wont release it or give any explanation. 

I have only used the Paypal app to receive money from my father overseas and to send and receive money from my friend.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The phone company XXXX charged too much I told them I had two phones was stolen one end up in XXXX it still was charged my hospital bill was charged i do work Im trying to relocate its just too much someone is using my identity and working in a hospital in New Jersey have a house and truck IRS said they just making a living

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: SC

Complaint narrative:
I am formally disputing a fraudulent collection account reported by Sunrise Credit Services for XXXX XXXX XXXX XXXX ( # XXXX ) of {$290.00}. This account was opened without my authorization and is a result of identity theft, which was discovered in XX/XX/year>. 

I have filed a formal FTC Identity Theft Report ( # XXXX ), which is attached. I request the immediate removal of this account from my credit file, as per the Fair Credit Reporting Act ( FCRA ), and I request confirmation of the resolution. 

Please remove this item and cease reporting any associated data linked to this fraudulent debt. 

Attach : 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