vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Issues with repayment — 
Company: Chime Financial Inc
State: FL

Complaint narrative:
I recently turned XXXX so my XXXX social security check turned into XXXX social security checks I received a loan from " XXXX XXXX  " on Chime for {$120.00} on XX/XX/year> and when I got my second check. XXXX days later on XX/XX/year> they took the money back. I'm supposed. 
To have that loan for a whole month, not XXXX days.They know I get XXXX checks direct deposited every month so why can't they automatically taken it out of the next check which was a month later

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: NC

Complaint narrative:
Dear Sir/Madem, while checking my most recent credit report, I noticed fraudulent credit inquiries that I do not recognize and did not authorize anyone to pull my credit report. Please validate information with these companies and provide me with a copy of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my social security number. Please note that you have 30 days to complete this investigation, as per the FCRA section 611. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater that {$1000.00}. Send payment immediately via Certified Funds to : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NC 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 2025-06-04 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: NC

Complaint narrative:
Dear Sir/Madem, while checking my most recent credit report, I noticed fraudulent credit inquiries that I do not recognize and did not authorize anyone to pull my credit report. Please validate information with these companies and provide me with a copy of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my social security number. Please note that you have 30 days to complete this investigation, as per the FCRA section 611. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater that {$1000.00}. Send payment immediately via Certified Funds to : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NC 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 2025-06-04 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:
I am disputing fraudulent accounts on my report following a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$6600.00} Inquiries XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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:
I am disputing fraudulent accounts on my report following a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$6600.00} Inquiries XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXX XXXXXXXX XXXX Date : 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 non-monetary relief
Consumer complaint received 2025-06-04 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: CA

Complaint narrative:
There were multiple unauthorized inquiries on my credit report without my authorization. I would gladly like them removed from my credit report.

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 2025-06-04 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: PA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-06-04 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: CA

Complaint narrative:
Date : XX/XX/year> To : Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute Request for Permanent Deletion of Late Payments ( XXXX XXXX - {$2700.00} ) Dear Equifax Dispute Department, I am writing to formally dispute the late payments currently being reported on my Equifax credit report for the following account : Creditor : XXXX XXXX Reported Balance : {$2700.00} Disputed Late Payments : XX/XX/year> and XX/XX/year> I respectfully request that these late payment entries be permanently deleted from my Equifax credit file. These late notations are either inaccurate, unsupported by proper documentation, or were misreported in violation of federal law and credit reporting standards. 

Applicable FCRA Consumer Law Provisions : 15 U.S.C. 1666b Credit Card Payment Timing Protections : Requires that payments received before the designated cut-off time on the due date be credited as on time. If my payments were timely but misapplied or misreported, they may not legally be recorded as late. 
15 U.S.C. 1681i Reinvestigation of Disputed Information : Requires Equifax to conduct a reinvestigation of disputed information and delete any data that is inaccurate, unverifiable, or outdated within 30 days. Unless XXXX XXXX can provide timestamped proof validating these late payments, they must be removed. 

Metro 2 Compliance & Reporting Violations : Credit furnishers using the Metro 2 format must report information accurately and consistently with industry guidelines. Misreporting delinquencies may violate : Compliance Condition Code " XXXX '' Indicates the account is disputed and under review. 
Field XXXX Payment History Profile : Delinquency must be supported with documented, timestamped payment activity. 
Base Segment Code XXXX Account Status : Must accurately reflect payment behavior. Incorrect reporting of late payments violates Metro 2 coding standards and must be corrected. 
If XXXX XXXX can not validate these delinquencies with precise records, Equifax must delete the entries in accordance with both Metro 2 standards and the FCRA. 

Requested Action : Permanently delete the reported late payments for XXXX and XX/XX/year> for the XXXX XXXX account. 
Provide written confirmation of the results of your reinvestigation. 
Ensure full compliance with the FCRA and Metro 2 formatting moving forward. 
Block any future reinsertion of these entries unless full verification is provided, as required under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). 

Failure to correct these inaccuracies may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and may also prompt legal action under 15 U.S.C. 1681n & 1681o for willful or negligent noncompliance. 

Thank you for your prompt attention to this matter. I expect a resolution within the 30-day window prescribed by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MO

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 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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.

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 2025-06-04 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: MS

Complaint narrative:
XXXX in XXXX, LA ran my credit without my consent. I told the sales manager ( XXXX ) that he could run my credit one time with the credit union He instead ran it twice. Once for the dealership and once for the credit union

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: MS

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and SSN Card.

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 2025-06-04 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: IL

Complaint narrative:
The List of hard inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I looked at my credit reports on XX/XX/scrub>XXXX XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-04 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: IL

Complaint narrative:
The List of hard inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I looked at my credit reports on XX/XX/scrub>XXXX XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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:
Experian, Equifax , & Transunion has failed to investigate : XXXX XXXX has continued to furnish derogatory personal non-public account information on my consumer report to third parties, and consumer reporting agencies including ( Equifax, Transunion, and Experian etc ). XXXX XXXX has failed to deliver proper Validation of a collection account, after I requested Validation of the alleged debt via certified mail around XXXXXXXX XXXX. I never received the required Validation documents. According to the IRS when a creditor cancels debt, they notify the IRS and deliver a 1099-C to the consumer. Even if the consumer has not received a 1099C, the canceled recourse debt is filed on a consumers tax return as ordinary income. I have attached the portion of my tax return where I have filed the amount of {$6700.00} as ordinary income from debt cancellation of the original creditor ( XXXX XXXX ). The alleged amount which XXXX XXXX is furnishing to my consumer report is {$3100.00} which is a discrepancy. Experian has failed to do a proper investigation as well. I do not owe XXXX XXXX any amount. They are non-compliant with my demands to permanently remove this collection account from my consumer report. They may be also considered participating in tax fraud. Ordinary income is excluded from a consumer report. XXXX XXXX is affecting my mode of living and my ability to obtain credit. Thanks for your attention to this matter!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: GA

Complaint narrative:
Experian, Equifax , & Transunion has failed to investigate : XXXX XXXX has continued to furnish derogatory personal non-public account information on my consumer report to third parties, and consumer reporting agencies including ( Equifax, Transunion, and Experian etc ). XXXX XXXX has failed to deliver proper Validation of a collection account, after I requested Validation of the alleged debt via certified mail around XXXXXXXX XXXX. I never received the required Validation documents. According to the IRS when a creditor cancels debt, they notify the IRS and deliver a 1099-C to the consumer. Even if the consumer has not received a 1099C, the canceled recourse debt is filed on a consumers tax return as ordinary income. I have attached the portion of my tax return where I have filed the amount of {$6700.00} as ordinary income from debt cancellation of the original creditor ( XXXX XXXX ). The alleged amount which XXXX XXXX is furnishing to my consumer report is {$3100.00} which is a discrepancy. Experian has failed to do a proper investigation as well. I do not owe XXXX XXXX any amount. They are non-compliant with my demands to permanently remove this collection account from my consumer report. They may be also considered participating in tax fraud. Ordinary income is excluded from a consumer report. XXXX XXXX is affecting my mode of living and my ability to obtain credit. Thanks for your attention 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 2025-06-04 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:
Experian is currently reporting a previous address of XXXX XXXX XXXX XXXX, FL XXXX with a date of XX/XX/2023 on my credit report. This information is incorrect and should not appear on my file. The only and correct address that should be listed on my credit report is XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. 

Having inaccurate address information on my credit report is confusing and could potentially affect how creditors view my file. It also raises concerns about the integrity of the data Experian is maintaining. This erroneous address may be a result of data errors or mishandling, possibly related to issues from a broader data breach, which can cause inaccurate or outdated information to be reported. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, Experian is obligated to ensure that all personal identifying information on my report is accurate and up to date.

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 2025-06-04 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been disputing an account with equifax since XXXX XXXX XXXX. I have submitted documentation to CFPB that shows proof that the credit bureau has not been able to verify the debt or show how they verified the debt. Equifax is now claiming that they can not find my credit file. I am attaching a letter where they state this. I am also attaching proof that Equifax has my credit file and it is an open credit file that they are aware of. They are in violation of the FCRA and must immediately remove this debt from my credit report

Company response to consumer: Closed with explanation