vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-16 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: GA

Complaint narrative:
I am filing this complaint because the credit reporting agencies ( Experian, TransUnion, and Equifax ) continue to report inaccurate, incomplete, and unverifiable information on my consumer reports despite my disputes. The reports contain derogatory tradelines, late payment notations, and inquiries that do not meet the standards of accuracy or compliance required under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ), 1681i ) and XXXX XXXX reporting guidelines. 

The bureaus have failed to ensure maximum possible accuracy. There are multiple inconsistencies between balance amounts, payment history grids, account status fields, and date logic ( Date Opened, Date of First Delinquency, Last Payment, and Last Reported ). These contradictions make the reporting misleading and unverifiable. Some accounts are shown with late payments even though the payment history does not align with the reported delinquency counters. In other cases, charge-off or collection accounts are displaying balances and statuses that do not reconcile with the loan terms or creditors own reporting obligations. 

Additionally, there are hard inquiries present on my reports that were never authorized or supported by permissible purpose under FCRA 1681b. These inquiries are negatively impacting my creditworthiness without my consent.

I have already disputed these errors directly with the credit bureaus. Instead of correcting or permanently deleting the unverifiable items, they continue to verify the inaccurate data without providing proper proof or investigation. This practice violates FCRA 611 ( 15 U.S.C. 1681i ), which requires a reasonable reinvestigation, and 623, which requires furnishers to accurately update or delete disputed information.

As a consumer, I should not be forced to suffer damage to my credit reputation and scoring because the CRAs are allowing furnishers to report contradictory and unverifiable information in violation of XXXX XXXX standards and 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 explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: NC

Complaint narrative:
There are two remarks placed in collections against me for the same thing and the account is open and it should be closed. The first one was opened by Hunter Warfield IncXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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:
I respectfully request the removal of the following hard inquiries from my credit report : These inquiries were reported on my consumer file in violation of the Fair Credit Reporting Act ( FCRA ), Section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved an extension of credit to me, the consumer, nor did I authorize them. However, it appears that my information was used in connection with these inquiries without my consent. 

XXXX XXXX2025 XXXX XXXX2025 Attached is my formal dispute, along with the fraud report I recently submitted to Equifax for the second time. I trust this matter will now be addressed thoroughly and resolved in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: NH

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Ter # XXXX XXXX XXXX, FL XXXX XXXX : XX/XX/XXXX SSN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Via Certified Mail Return Receipt Requested To : TransUnion XXXX. XXXX XXXX, XXXX, PA XXXX RE : SECOND WRITTEN REQUEST FAILURE TO VERIFY DEMAND FOR IMMEDIATE DELETION OF UNVERIFIED ACCOUNTS, COLLECTIONS, LATE PAYMENTS, AND INQUIRIES This is my SECOND WRITTEN REQUEST demanding that you delete the unverified accounts, collections, charge-offs, late payments, and inquiries listed below that remain on my credit report in violation of 15 U.S.C. 1681. Under the FCRA, you are required to properly verify the accuracy of any item you report.

In your first reinvestigation, you claimed these items were verified and reported correctly. I am demanding : 1. The exact documents used to verify these items 2. The name of the employee who verified them 3. Their business address and phone number 4. Proof that the verifier has first-hand knowledge of the accounts and inquiries.

Blacks Law Dictionary defines verify as to prove to be true ; to confirm by oath or affidavit. Without sworn, authenticated documentation proving these items belong to me and are accurate, you have not verified them.

You have failed to produce the documents I requested. This means you either did not verify or can not verify these items. Under Section 611 ( 5 ) ( A ) of the FCRA, you are required to promptly DELETE all information which can not be verified.

If you fail to comply, you are liable for negligent noncompliance under Section 617. I will pursue litigation to enforce my rights under the FCRA.

The following items must be verified or deleted immediately : - 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 XXXXXX/XX/XXXX You are hereby on notice that failure to delete or provide complete verification within 15 days will result in a formal complaint being filed with the CFPB, FTC, and my St

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 2025-08-16 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:
I am a victim of identity theft as defined under the Fair Credit Reporting Act ( FCRA ). Pursuant to 15 U.S.C. 1681c-2, I am requesting the permanent blocking of fraudulent information resulting from identity theft that has been placed on my credit report without my knowledge, authorization, or consent. An apartment lease was fraudulently obtained in my name XXXX of XXXX XXXX XXXX on or around XXXX, in the amount of {$8900.00}. I did not apply for, authorize, or consent to this account, nor have I ever resided at or signed any agreement related to this property. I request that the credit reporting agencies, XXXX XXXX, and all related parties comply with the requirements under the FCRA to block and remove this fraudulent information from my credit file. This statement is made in connection with my FTC Identity Theft Report, and I affirm that the information provided is true and accurate to the best of my knowledge. I've submitted past claims with this issue being stated first on the list. The rest of my issues has been taken care of except the fraudulent apartment which is still being held at a standstill for over 30+ days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: AZ

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : ACCOUNT NAME : XXXX  RM # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/year> - Balance {$1000.00} UNAUTHORIZED INQUIRY : 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 2025-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: GA

Complaint narrative:
I filed a dispute with Chime on XX/XX/year> for a {$54.00} transaction with XXXX XXXX ( transaction date : XX/XX/year>, at XXXX AM ). 

Chime assigned me dispute case # XXXX, but the status has remained An agent is investigating your dispute for several weeks. I have not received any resolution, updates, or provisional credit. 

I have contacted Chime for updates but have not been given a clear timeline or resolution. This delay is unreasonable, and I am requesting that the CFPB require Chime to provide a timely response and resolution to my dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
On XX/XX/XXXX, I disputed an Equifax tradeline reported by PORTFOLIO ( account XXXX * * ) showing a balance of {$840.00} with status Late 120 Days and Collection account, last reported XX/XX/XXXX. The reporting is inaccurate and internally inconsistent : Date opened : XX/XX/XXXX Date last active : XX/XX/XXXX Date of last payment : XX/XX/XXXX The account allegedly became active and received a last payment almost XXXX years before the open date, which is impossible. Its also labeled Open Account Collection with XXXX XXXX monthly payment, Terms : XXXX, and reports the entire balance as both balance and past due, which is misleading for a collection. No Date of First Delinquency ( DOFD ) or itemized ledger is shown.

This violates the FCRA : 15 U.S.C. 1681e ( b ) ( maximum possible accuracy ) 15 U.S.C. 1681i ( a ) ( reasonable reinvestigation ; delete if unverifiable ) 15 U.S.C. 1681i ( a ) ( 7 ) ( right to the method of verification ) 15 U.S.C. 1681s-2 ( b ) ( furnisher must investigate/correct )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I traded in a vehicle to XXXX XXXX of XXXX, XXXX, XX/XX/year>. They paid off my vehicle in full, with XXXX  XXXX XXXX XXXXXXXX as a trade in for a new vehicle from them. XXXX XXXX auto finance then waited 6 months to report me as owing them payment, and they reported it as delinquent after i spoke to them, initially, and they said they would contact XXXX XXXX and get it cleared up.

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 2025-08-16 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: MO

Complaint narrative:
I traded in a vehicle to XXXX XXXX of XXXX, XXXX, XX/XX/year>. They paid off my vehicle in full, with XXXX  XXXXXXXX XXXX XXXX as a trade in for a new vehicle from them. XXXXXXXX XXXX XXXX XXXX then waited 6 months to report me as owing them payment, and they reported it as delinquent after i spoke to them, initially, and they said they would contact XXXX XXXX and get it cleared up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: MO

Complaint narrative:
I traded in a vehicle to XXXX XXXX of XXXX, XXXX, XX/XX/year>. They paid off my vehicle in full, with XXXX  XXXXXXXX XXXX XXXX, as a trade in for a new vehicle from them. XXXX XXXXXXXX XXXX XXXX  then waited 6 months to report me as owing them payment, and they reported it as delinquent after i spoke to them, initially, and they said they would contact XXXX XXXX and get it cleared up.

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 2025-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am writing to formally request the removal of the collection account associated with my name from my credit report. The account in question appears to be reported as XXXXXXXX XXXX XXXX  Account number 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 2025-08-16 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: NC

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : ACCOUNT NAME : XXXX # XXXX * - Date Opened XX/XX/year> - Balance $ {$5700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: NH

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/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 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Ter # XXXX XXXX XXXX, FL XXXX XXXX : XX/XX/XXXX SSN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Via Certified Mail Return Receipt Requested To : TransUnion XXXX. XXXX XXXX, XXXX, PA XXXX RE : SECOND WRITTEN REQUEST FAILURE TO VERIFY DEMAND FOR IMMEDIATE DELETION OF UNVERIFIED ACCOUNTS, COLLECTIONS, LATE PAYMENTS, AND INQUIRIES This is my SECOND WRITTEN REQUEST demanding that you delete the unverified accounts, collections, charge-offs, late payments, and inquiries listed below that remain on my credit report in violation of 15 U.S.C. 1681. Under the FCRA, you are required to properly verify the accuracy of any item you report.

In your first reinvestigation, you claimed these items were verified and reported correctly. I am demanding : 1. The exact documents used to verify these items 2. The name of the employee who verified them 3. Their business address and phone number 4. Proof that the verifier has first-hand knowledge of the accounts and inquiries.

Blacks Law Dictionary defines verify as to prove to be true ; to confirm by oath or affidavit. Without sworn, authenticated documentation proving these items belong to me and are accurate, you have not verified them.

You have failed to produce the documents I requested. This means you either did not verify or can not verify these items. Under Section 611 ( 5 ) ( A ) of the FCRA, you are required to promptly DELETE all information which can not be verified.

If you fail to comply, you are liable for negligent noncompliance under Section 617. I will pursue litigation to enforce my rights under the FCRA.

The following items must be verified or deleted immediately : - 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 XXXXXX/XX/XXXX You are hereby on notice that failure to delete or provide complete verification within 15 days will result in a formal complaint being filed with the CFPB, FTC, and my St

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 2025-08-16 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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Ter # XXXX XXXX XXXX, FL XXXX XXXX : XX/XX/XXXX SSN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Via Certified Mail Return Receipt Requested To : TransUnion XXXX. XXXX XXXX, XXXX, PA XXXX RE : SECOND WRITTEN REQUEST FAILURE TO VERIFY DEMAND FOR IMMEDIATE DELETION OF UNVERIFIED ACCOUNTS, COLLECTIONS, LATE PAYMENTS, AND INQUIRIES This is my SECOND WRITTEN REQUEST demanding that you delete the unverified accounts, collections, charge-offs, late payments, and inquiries listed below that remain on my credit report in violation of 15 U.S.C. 1681. Under the FCRA, you are required to properly verify the accuracy of any item you report.

In your first reinvestigation, you claimed these items were verified and reported correctly. I am demanding : 1. The exact documents used to verify these items 2. The name of the employee who verified them 3. Their business address and phone number 4. Proof that the verifier has first-hand knowledge of the accounts and inquiries.

Blacks Law Dictionary defines verify as to prove to be true ; to confirm by oath or affidavit. Without sworn, authenticated documentation proving these items belong to me and are accurate, you have not verified them.

You have failed to produce the documents I requested. This means you either did not verify or can not verify these items. Under Section 611 ( 5 ) ( A ) of the FCRA, you are required to promptly DELETE all information which can not be verified.

If you fail to comply, you are liable for negligent noncompliance under Section 617. I will pursue litigation to enforce my rights under the FCRA.

The following items must be verified or deleted immediately : - 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 XXXXXX/XX/XXXX You are hereby on notice that failure to delete or provide complete verification within 15 days will result in a formal complaint being filed with the CFPB, FTC, and my St

Company response to consumer: Closed with explanation