vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 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: OK

Complaint narrative:
After receiving a email from Equifax notifying me that my personal information has been in a data breach. I discovered negative and unauthorized information on my credit report, and immediately contacted Experian, Equifax and TransUnion to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, which have negatively affected my financial stability and mental well-being, as these negative marks are damaging my credit and financial standing. Specifically, I have faced multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential fraudulent activity tied to the Equitax data breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my tinancial well-being.

UNAUTHORIZED ACCOUNTS LISTED BELOW : 1.Acct Name : XXXXXXXX XXXX Balance : XXXX Date Opened:XXXX  2.Acct Name : XXXXXXXX XXXX Balance : XXXX Date OpenedXXXX 3.Acct Name : XXXX XXXX XXXX XXXX XXXX : XXXX Date XXXX 4.Acct Name : XXXX XXXX Balance : {$680.00} Date OpenedXXXX UNAUTHORIZED INQUIRIES LISTED : 1. XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX NAMES LISTED : 1. XXXX XXXX XXXX. XXXX XXXX XXXX INCORRECT ADDRESSES LISTED : 1 ) XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ) XXXX XXXX XXXX XXXX, CA XXXX XXXX ) XXXX XXXX XXXX XXXX, CA XXXX XXXX ) XXXX XXXX XXXX XXXX, CA XXXX XXXX ) XXXX XXXX XXXX XXXX, CA XXXX XXXX ) XXXX XXXX XXXX XXXX, CA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ) XXXX XXXX XXXX XXXX, CA XXXX XXXX ) XXXX XXXX XXXX XXXX, CA XXXX XXXX ) XXXX XXXX XXXX XXXX, CA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: NY

Complaint narrative:
I am now requesting proof of the previous investigation on account XXXX - XXXX. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update the account to PAID/NEVER Late and send me a copy of my updated credit report. This is for XX/XX/year> 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 2025-05-15 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: NY

Complaint narrative:
I am now requesting proof of the previous investigation on account XXXX - XXXX. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update the account to PAID/NEVER Late and send me a copy of my updated credit report. This is for XX/XX/year> 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 2025-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX filing this complaint because I dont know what else to do at this point. Ive disputed the same XXXX XXXX XXXX accounts over and over again, and while theyve been deleted more than once, they keep getting reinserted into my credit report without any proper notice, any certification, or any explanation. This has happened XXXX times now. XXXX exhausted and extremely frustrated. I feel like XXXX being ignored, and my rights under the law are being completely disregarded. When I pulled my Experian report online on XX/XX/year>, no XXXX  XXXX accounts were showing under the Potentially Negative Items section. But when I pulled my report again on XX/XX/year>, both accounts were suddenly backwithout any warning, without any reinvestigation results, and without a single notice from Experian. That is unacceptable and incredibly frustrating. How can something just reappear like that without explanation? This is a direct violation of the Fair Credit Reporting Actspecifically 15 U.S.C. 1681i ( a ) and 1681i ( 5 ) ( B ) ( ii )- ( iii ). The law clearly says that if an account is deleted as a result of a dispute, it can not be reinserted unless : ( 1 ) the furnisher certifies the information is accurate and complete, and ( 2 ) the consumer is notified in writing within XXXX business days of reinsertion. That never happened. I received no written notice, no certification, and no documentation whatsoever. Experian also failed to include the name, address, or phone number of the furnisher, or inform me of my right to submit a consumer statement, which is also required by law. 
This is more than just poor handlingits willful noncompliance. XXXX tired of going in circles. This isnt a one-time error. Its a repeated and ongoing violation of my rights. I AM DEMANDING THE IMMEDIATE AND PERMANENT DELETION OF THESE ACCOUNTS FROM MY CREDIT REPORT. No more reinsertion. No more verified without proof. No more silence. XXXX asking the CFPB to step in and hold Experian accountable. I want them to provide all documentation, including any supposed certification or proof of accuracy. If they cant, these accounts must be permanently removedbecause right now, they are violating federal law and causing harm to my credit and my peace of mind.

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 2025-05-15 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: UT

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

"

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 2025-05-15 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: CA

Complaint narrative:
I am writing to formally address concerns regarding potential fraud resulting from a national data breach in which my personal information was compromised. Upon reviewing my credit reports, I discovered several unfamiliar accounts that I did not open or authorize.

To resolve this matter, I have already : Requested debt validation from the Credit Reporting Agencies ( CRAs ), but they have failed to provide sufficient documentation.

Filed an FTC complaint ( attached ) regarding these suspicious accounts.

Supporting Documentation Attached : Copy of my government-issued ID ( for verification ) Copy of my FTC complaint National Data Breach Report ( NPD ) confirming my information was exposed Debt validation request letter previously submitted Action Requested : A full investigation into these disputed accounts.

Removal of any unverified or fraudulent accounts from my credit file under FCRA 605B. 
Written confirmation once this dispute has been resolved. 

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 non-monetary relief
Consumer complaint received 2025-05-15 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: GA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me 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 non-monetary relief
Consumer complaint received 2025-05-15 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: AR

Complaint narrative:
I RECENTLY LOOKED AT MY CREDIT REPORT AND NOTICED THAT THERE IS AN ACCOUNT LISTED ON MY REPORT THAT DOSENT BELONGS TO ME. 
THIS CREDIT COMPANY IS REPORTING INACCURATE INFORMATION ON 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 non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: AZ

Complaint narrative:
In the beginning of XXXX, an acquaintance by the name of XXXX XXXX called me and said she was getting kicked out of her place. She is XXXX  and had no where to stay. After speaking with my roommates and getting the ok from them, I told her that she could stay with me and my roommates but that she would have to pay rent for the month. She agreed and sent a domestic money transfer through the Chime app on her phone for {$600.00}. She even included a note that says For : Rent on the transfer. 

She stayed in the apartment for the entire month away. In fact, there was a dispute towards the end of the month and the police were called and we explained to the XXXX police that she had been living there for the month and she told them that she paid rent to stay there for the month. Once XXXX was over, everyone would be moving out because the lease was over XX/XX/XXXX. 

All of a sudden, I check my account on XX/XX/XXXX and it had an XXXX for {$600.00}. When I called Chime to figure out what was going on, they said XXXX had called and claimed that the {$600.00} she sent me through the Chime app was unauthorized and she disputed the transfer, even though she sent me the money willingly and also occupied the residence for the month she paid rent for. Chime never contacted me to get the story or any contact at all in their investigation and just made a decision to but my account in the negative - {$600.00} and also refund the money back to XXXX. This is fraud. Chimes policy clearly states that all transactions through the Pay Anyone feature on their site are immediate and irreversible. However, they reversed this transaction FRAUDULENTLY! When trying to speak to a supervisor, they said Chime can not help me and I need to speak to XXXX XXXX, they person that made this fraudulent claim in the first place, to try to resolve the dispute. This is theft! They can not do this! XXXX XXXX paid money for rent and occupied the unit for one month. Then a month later, when we are all moved out, she called Chime and made this fraudulent dispute. Which they awarded here and now they are unwilling to here my side or take any evidence that would prove what Im saying. 

XXXX Police were called to our apartment and they took statements from both of us. You can check with them yourselves and they will confirm what I am telling you is true about XXXX living at our residence for the month of XXXX. I dont know what else to do but this seems very wrong. 

Please help me to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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:
I do not recognize these inquiries, and they seem unauthorized. I kindly request prompt action to resolve this issue. The attached documents provide further details.

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 2025-05-15 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Al XXXX XXXX XXXX The Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. Thats all your company has been doing the past couple of months and it is against the law and clearly in violation of 1681 ( a ) ( 4 ).

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 2025-05-15 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Al XXXX XXXX XXXX The Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. Thats all your company has been doing the past couple of months and it is against the law and clearly in violation of 1681 ( a ) ( 4 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: I.C. System, Inc.
State: MI

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against IC System , Inc for what I believe are serious violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

IC System, Inc placed a negative item on my credit report for an alleged debt before ever notifying me that they had purchased the debt, or providing any written notice of my right to dispute the claim within 30 days, as required by law. 

On XX/XX/year>, I noticed a collection account had been reported by IC System , Inc. At that time, I had received no prior written communication from them about the debt, no disclosure that they had purchased it, and no notice of my right to dispute it under Section 809 of the FDCPA ( 15 U.S. Code 1692g ). 

I sent a written debt validation request to the company on XX/XX/year>, but they did not respond until nearly a month later on XX/XX/year>. In the meantime, they continued to report the debt and made no attempt to remove it. After I disputed the debt with the credit bureaus and notified the collector in writing, they reported the dispute as resolved or closed on my credit report, even though the dispute was never addressed, investigated, or resolved. This is deceptive and violates the FCRAs accuracy and reinvestigation requirements ( 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) and 1681i ).

Violations I am concerned about include : Reporting a debt to the credit bureaus before providing required notice of debt and dispute rights.

Failing to notify me of my right to dispute the debt before credit reporting.

Delayed response to my timely validation request.

Continuing collection activity and credit reporting during the validation period.

Relief Requested : I request that the CFPB investigate this matter and take appropriate enforcement action if warranted. I also request the company be required to : Remove or correct the credit reporting of this debt, Cease all collection activity And confirm compliance with the FDCPA and FCRA in writing.

I have attached documentation including copies of my credit report, my debt validation request, their response, and any other relevant communications. Thank you for your time and attention to this matter. I hope for a prompt and fair resolution. 

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 2025-05-15 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: AR

Complaint narrative:
I RECENTLY TOOK A LOOK AT MY CREDIT REPORT AND NOTICED AN ACCOUNT THAT DOSENT BELONGS TO ME,, THIS COMPANY IS REPORTING INACCURATE INFORMATION ON 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 non-monetary relief