vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-08 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: CA

Complaint narrative:
I would like to formally dispute the claim that past due notices and electronic communications were available to me via the XXXX portal prior to the negative credit reporting that occurred in XX/XX/2025. 

At the time of the delinquency, I had not yet established an account on the XXXX platform, and therefore had no access to the statements or communications you reference. If there were notifications being sent, they were not received by me through any active or accessible channel neither email nor mail. I was unaware of the XXXX platform transition and had not received instructions to create an account in order to monitor my loan status. 

It was only after I discovered the negative impact to my credit score that I created an account and was able to view these documents. In light of this, it is inaccurate and misleading to claim that I had been given an opportunity to address or remedy this delinquency prior to the derogatory reporting. 

I respectfully request a full review of this situation and reconsideration of the credit bureau reporting. I am also requesting that you investigate whether there was a failure to provide proper notice through accessible communication channels, and if so, correct the inaccurate reporting in accordance with the Fair Credit Reporting Act. 

If required, I am prepared to escalate this issue further. However, I hope XXXX can acknowledge the breakdown in communication and take the appropriate corrective actions. 

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 explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

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 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

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 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
EXPERIAN is knowingly furnishing fraudulent and inaccurate information on my credit report. 

XXXX XXXX XXXX # XXXX BAL : {$0.00} XXXX XXXX XXXX  XXXX XXXX XXXX BAL : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} These accounts DO NOT BELONG TO ME. I have submitted an FTC report, and ALL ID information requested. by EXPERIAN. THESE ACCOUNTS ARE NOT MINE. 

These accounts hindering me from buying a home.

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 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Ive recently recieved a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-06-07 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
XX/XX/XXXX I emailed the company in-regards to the alleged debt and requested a call or email back me back with next steps and I never received a response back. 
XX/XX/XXXX I spoke with XXXX and she stated XXXX would be contacting me back with further information regarding the alleged debt and still no response. 
In the meantime I have tried disputing the debt. 
XX/XX/XXXX I sent a written letter requesting the company to provide documentation verifying the debt and at to this date, no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: MN

Complaint narrative:
I received a notice about a chime account opened in my name and an old address of mine. I never opened a chime account and this is identity theft. I have the last 4 digits of the debit card which is XXXX. I do not bank here and this account should be reported and closed. 
XXXX XXXX XX/XX/year> XXXX XXXX of XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 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: CT

Complaint narrative:
There is a second car loan listed in my Experian credit report registered to an individual outside of myself, however I am listed as a co-signer. The lender for this vehicle is XXXXXXXX XXXX. I reached out to Experian in an attempt to have the account removed from my credit due to the negative impact and inconsistent payments by the individual who the vehicle is registered to. Each time this individual misses a payment this impacts my credit negatively. The other credit bureau, such as Equifax and Transunion were able to remove the account rather easily given the situation and what I explained to them. Ive made multiple attempts to Experian without resolution. Furthermore, I have no account information in relation to the vehicle for XXXXXXXX XXXX  and they arent able to share any person information with surrounding the vehicle despite me being listed as a co-signer additionally.

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 2025-06-07 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: UT

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$500.00} XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$11000.00} Total now {$12000.00} XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX These Names and Addresss Are NOT Me or Where I Live. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX UT XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$11.00}, XXXX XXXX XXXX XXXXXXXX XXXX XXXX Opened XX/XX/XXXX High Credit {$9200.00} These names and addresses are NOT me XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, UT XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, UT XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, UT XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX, UT XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, UT XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, UT XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, UT XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Open Balance {$11000.00} Monthly payment {$350.00} Date opened XX/XX/XXXX XXXX Collection Account Based on TransUnion report from XX/XX/XXXX Due XXXX {$2900.00} Unknown 6 MONTH PAYMENT HISTORY Names incorrect : XXXX, XXXX, XXXX, XXXX XXXX M Addresses incorrect XXXX XXXX XXXX UT XXXX XXXX XXXX UT XXXX Employer Incorrect XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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: UT

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$500.00} XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$11000.00} Total now {$12000.00} XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX These Names and Addresss Are NOT Me or Where I Live. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX UT XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$11.00}, XXXX XXXX XXXX XXXXXXXX XXXX XXXX Opened XX/XX/XXXX High Credit {$9200.00} These names and addresses are NOT me XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, UT XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, UT XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, UT XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX, UT XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, UT XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, UT XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, UT XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Open Balance {$11000.00} Monthly payment {$350.00} Date opened XX/XX/XXXX XXXX Collection Account Based on TransUnion report from XX/XX/XXXX Due XXXX {$2900.00} Unknown 6 MONTH PAYMENT HISTORY Names incorrect : XXXX, XXXX, XXXX, XXXX XXXX M Addresses incorrect XXXX XXXX XXXX UT XXXX XXXX XXXX UT XXXX Employer Incorrect 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 explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX  XXXX XXXX opened on XX/XX/year> under account ( private )XXXX XXXX XXXX  opened on ( private ) under account ( private ) in the amount ( private ), XXXX XXXX  opened in XXXX under account ( private ), XXXX XXXX opened on XX/XX/year> under account ( private ) in the amount ( private ), XXXX XXXX opened on ( private ) under account ( private ) in the amount ( private ). that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries ( letter attached to documents in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: TN

Complaint narrative:
Violation of fair credit reporting act 15 U.S.C I am requesting that you provide verification and validation of the debt and a signed contract with my signature.

The account is listed as a charge off account on my credit report, however I have not received a 1099C cancellation of debt form Which is required for tax purposes, if this debt was truly forgiven or canceled. If this that has been charged off and forgiven, please send me a copy of the 1099C. If not, Please correct my report to reflect the accurate reporting and status of my account or remove it entirely from my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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: TN

Complaint narrative:
Violation of fair credit reporting act 15 U.S.C I am requesting that you provide verification and validation of the debt and a signed contract with my signature.

The account is listed as a charge off account on my credit report, however I have not received a 1099C cancellation of debt form Which is required for tax purposes, if this debt was truly forgiven or canceled. If this that has been charged off and forgiven, please send me a copy of the 1099C. If not, Please correct my report to reflect the accurate reporting and status of my account or remove it entirely from my credit.

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 2025-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Sentry Credit, Inc.
State: FL

Complaint narrative:
I continue to get phone calls from a local # XXXX. They leave the following voicemail : Hello this is XXXX with Tri-County loans my telephone number is XXXX I'm reaching out because we sent you a preapproval letter for a personal loan up to {$48000.00} I went ahead and approve you for the select rate which gives you no payments for 90 days this offer expires today and underwriting has approved same day funding to proceed please call XXXX when you call you'll reach me directly no waiting you can also use the same number to opt out thank you and talk to you soon. I searched for the # they provided in their message and it is linked to XXXX XXXX XXXX XXXX My official complaint is that they are impersonating another company indicating that I have been approved for a loan that I never applied for all to get me to call in so that they can then tell me that I allegedly owe money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: IL

Complaint narrative:
I am unable to contact XXXX regarding a fraudulent wire transfer transaction that was made to my XXXX XXXX checking account on XXXX XX/XX/year> for {$500.00} and posted from my account on XXXX XX/XX/year>. I discovered this transaction on XXXX XX/XX/year>. Ive filed a police report with the XXXX Police Department and initiated a claim with XXXX XXXX : claim number XXXX. XXXX automated system hangs up and doesnt allow me to be connected to a customer service representative as a reference number is requiredI do not have a reference number as I did not initiate this transaction nor do I have any information on who it was sent to or how/where it was made online. Ive also filed a fraud report with the FTC ; screenshot below. I do not have a XXXX account. I do not know anyone who uses XXXX XXXX.

Company response to consumer: Closed with explanation