vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-13 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX Dispute Department XXXX XXXX XXXXXXXX XXXX, TX XXXX Subject : Formal Dispute Illegal Re-Aging & Inaccurate Reporting of XXXX  Secured Personal Loan Account To Whom It May Concern, I am formally disputing the inaccurate and unlawful reporting of my XXXX  Secured Personal Loan account on my XXXX credit report. This account was charged off in XX/XX/XXXX, yet it has been illegally re-aged multiple times, with additional derogatory remarks being added post-charge-off, in direct violation of the Fair Credit Reporting Act ( FCRA ). 

Here is a breakdown of XXXX  blatant mishandling of this account : XX/XX/XXXX : Initial charge-off reported. 
XX/XX/XXXX : A second charge-off status was added ( impossible and illegal ). 
XX/XX/XXXX : A 150 days past due status was added to an already twice-charged-off account ( which is not only inaccurate but fraudulent ). 

Let me be clear : a charge-off means no further payments are due, and a creditor can not continue reporting additional late payments or new charge-off statuses. This is a clear violation of 15 U.S. Code 1681s-2 ( FCRA ), which prohibits furnishers from reporting inaccurate or misleading information. Additionally, this conduct constitutes unfair and deceptive trade practices under 15 U.S. Code 45 ( FTC Act ). 

XXXX has already investigated this account multiple times, yet you have failed to correct this clear violation of my rights. Your failure to conduct a reasonable and thorough investigation, as required under 15 U.S. Code 1681i, has caused irreparable damage to my credit profile, affecting my ability to secure financial opportunities. The time and effort I have spent correcting this reckless inaccuracy is beyond repair. 

Given XXXX  ongoing litigation for mishandling consumer data, I demand immediate deletion of this account from my credit file. Failure to comply within 30 days will result in legal action against XXXX for willful noncompliance under 15 U.S. Code 1681n, where I will seek statutory, actual, and punitive damages for the harm caused to my credit and reputation. 

This is my final notice. I expect written confirmation of deletion. If not, I will escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney Generals office for further legal action. 

Attached, you will find a copy of my credit report highlighting the disputed account and supporting documentation. 

Sincerely, XXXX XXXX XXXX, trustee [ Attachments : Credit Report Excerpt, Supporting Documents ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-03-13 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: KY

Complaint narrative:
XXXX XXXX BLATANTLY VIOLATES SEVERAL FCRA regulations. THE account was CHARGED OFF on XX/XX/XXXX. EQUIFAX, TransUnion and Experian REPORT DIFFERENT LAST ACTIVITY DATES, TRANSUNION XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXXXXXX continues to report it as a charge off/ collection status open, with discrepancies between each of the credit bureaus. This inaccurate information falsely manipulates statute of limitations, and proves that XXXX XXXX deceptively report incorrect information to credit agencies. Despite being charged off, XXXX XXXX has failed to provide me with a XXXX form, as required by IRS XXXX XXXX. Additionally, XXXX XXXX has violated the GLBA ( 15 U.S.C. 6802, also known as section 502 ( b ) of the Gramm-Leach-Bliley Act ) by failing to provide me with a clear and conspicuous notice of their intent to share my nonpublic personal information with nonaffiliated third parties. This coincides with 16 CFR 313.7 ( Form of opt out notice to consumers ; opt out methods ) 16 CFR 313.10 ( Limits on disclosure of non-public personal information to nonaffiliated third parties ) and XXXX ( Reasonable opportunity to opt out ) Furthermore, XXXX XXXX has violated my rights under the Privacy Act of XXXX. The Privacy Act of XXXX, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual. The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: KY

Complaint narrative:
XXXX XXXX BLATANTLY VIOLATES SEVERAL FCRA regulations. THE account was CHARGED OFF on XX/XX/XXXX. EQUIFAX, TransUnion and Experian REPORT DIFFERENT LAST ACTIVITY DATES, TRANSUNION XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXXXXXX continues to report it as a charge off/ collection status open, with discrepancies between each of the credit bureaus. This inaccurate information falsely manipulates statute of limitations, and proves that XXXX XXXX deceptively report incorrect information to credit agencies. Despite being charged off, XXXX XXXX has failed to provide me with a XXXX form, as required by IRS XXXX XXXX. Additionally, XXXX XXXX has violated the GLBA ( 15 U.S.C. 6802, also known as section 502 ( b ) of the Gramm-Leach-Bliley Act ) by failing to provide me with a clear and conspicuous notice of their intent to share my nonpublic personal information with nonaffiliated third parties. This coincides with 16 CFR 313.7 ( Form of opt out notice to consumers ; opt out methods ) 16 CFR 313.10 ( Limits on disclosure of non-public personal information to nonaffiliated third parties ) and XXXX ( Reasonable opportunity to opt out ) Furthermore, XXXX XXXX has violated my rights under the Privacy Act of XXXX. The Privacy Act of XXXX, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual. The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual.

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 2025-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: NY

Complaint narrative:
On my chime account I noticed some XXXX charges I never made, I screen shotted all the XXXX rides I didnt take that was charged on my card along with a screen shot of my XXXX account to show that I didnt make those trips therefore I should t be charged. At the time three more XXXX rides were being processed I also didnt take. They couldnt include those charges because they were still pending. I sent all the information through the chat part of the complaints like I was instructed. The claim was denied even though my screenshots prove it all. So I proceeded to call the claim number to see why it was denied when the proof was right in the face. Mind you this is a 30 days process. After the first 30 days it was denied so I called they reentered the claim again and told me to wait again. They denied the claim a second time so I called and asked for information I got the run around saying they cant refund my money and that Im responsible for the purchases I DIDNT MAKE. But they somehow were able to block the XXXX trips from charging my account and its funny because it never blocked my XXXX rides SO CLEARLY THEY BLOCKED SOMEONE ELSES ACCOUNT WHICH MEANS I SHOULD BE FULLY REFUNDED. I. Return it had my account negative and two of my bills were late while trying to get this all in order over the course of 60 days just to be denied. As Im looking into the screen shots they took more then just {$100.00} over the course of almost two months

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Recently, did an investigation on my credit report and found several items on there to be Under 15 U.S. Code 1681e ( b ) Accuracy ei 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 shall ( i ) 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 ( i ) 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 : 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 2025-03-13 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: NJ

Complaint narrative:
Recently, did an investigation on my credit report and found several items on there to be Under 15 U.S. Code 1681e ( b ) Accuracy ei 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 shall ( i ) 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 ( i ) 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 : 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 explanation
Consumer complaint received 2025-03-13 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: NJ

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations.

Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. {$1600.00} ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 
I hereby request that Experian : 1. Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputingl.

2. Provide me with all documentation used to verify the accuracy of the disputed information.

3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 
Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 
If Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 
Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file.

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 2025-03-13 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: TN

Complaint narrative:
This letter serves as a formal and aggressive demand for the immediate removal of an ILLEGALLY REPORTED CHARGE-OFF REPOSSESSION on my credit report related to XXXX. This account has been wrongfully reported, and I will take legal action if it is not removed within 30 days as required by the Fair Credit Reporting Act ( FCRA ). 

VIOLATIONS COMMITTED : 1. ILLEGAL DOUBLE REPORTING & COLLECTION ATTEMPT A charge-off means the debt has been written off by the creditor. It is illegal for XXXX to report or attempt to collect again after it has been charged off. Reporting this as a repossession AND a charge-off is an intentional act of fraud. 
2. FAILURE TO PROVIDE NOTICE I never received a legally required written notice after the charge-off was recorded, which is a direct violation of FCRA laws.

3. FTC COMPLAINT FILED I have already reported this violation to the Federal Trade Commission ( FTC ) for deceptive and illegal reporting practices. 

REQUIRED ACTION : IMMEDIATE REMOVAL of this account from my Equifax and Experian credit reports. 
A written confirmation of this removal within 30 days to avoid further legal action. 
Failure to comply will result in escalation to the CFPB, state Attorney General, and a formal lawsuit for willful violation of the FCRA. 

I expect immediate action. I will not hesitate to pursue my full legal rights, including statutory damages of up to {$1000.00} per violation plus attorneys fees. 

You have 30 days to remove this fraudulent charge-off repossession from my credit reports, or I will take the next legal step.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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 writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: VA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-03-13 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: VA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-03-13 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: DC

Complaint narrative:
I hope this letter finds you well. I am writing to formally request the removal of several unknown items from my credit report. After reviewing my credit report, I noticed multiple entries that I do not recognize and did not authorize. These entries are causing me significant concern and have impacted my credit standing.

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 2025-03-13 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: DC

Complaint narrative:
I hope this letter finds you well. I am writing to formally request the removal of several unknown items from my credit report. After reviewing my credit report, I noticed multiple entries that I do not recognize and did not authorize. These entries are causing me significant concern and have impacted my credit standing.

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 2025-03-13 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: TX

Complaint narrative:
XXXX XXXX and his unauthorized team had accessed my personal private information without my consent. This a breach of privacy and it must be investigated. Ever since XXXX had accessed the Treasury systems and Social Security I've have been receiving all sort of phishing attacks via email, text messages and phone calls. My information in now out there for thieves to attack at any moment. I've made calls to my representatives in Congress and no one seem to care. Please let me know any other course of action that I should take to bring attention and resolution to this matter.

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 2025-03-13 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: NJ

Complaint narrative:
TransUnion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against transunion, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where TransUnion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Transunions inaction violates federal law and my rights as a consumer.

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