vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 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: TX

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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:
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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Subject : Follow-Up on CFPB Complaint Experian Admission of Potential Fraud To : CFPB & Experian I am submitting this response regarding Experians statement dated XX/XX/2025, in which Experian notified XXXX CFPB that there XXXX be potential fraud involved in the accounts I disputed. 

The following complaint ID 's, I received the notification of potential fraud : XXXX, XXXX Since Experian has stated in writing that fraud may be involved, this triggers your obligations under FCRA 605B ( Identity Theft / Fraud Blocking ) and FCRA 611 ( Reinvestigation Requirements ).

Accordingly, I am demanding the following actions : Immediate blocking of all disputed information associated with the accounts Experian claims may be fraudulent, as required by FCRA 605B ( a ).

Cessation of reporting any information that can not be verified, as Experian has admitted verification concerns.

Full disclosure of all documents, data, and communications used or received during your investigation, in compliance with FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), including : Any applications, contracts, or signed agreements Any IP/device data Any fraud investigation results All communication with the furnisher The complete Method of Verification ( MOV ) including the name, address, and telephone number of each furnisher you contacted, as required by FCRA 611 ( a ) ( 7 ).

Deletion of all accounts Experian can not verify, or those tied to the fraud indicators you acknowledged.

A written explanation of : What specific fraud indicators were identified, Why Experian did not block the account ( s ) immediately under 605B, Whether the furnisher confirmed or denied the fraud indicators.

Experians own written statement indicates that the information in question can not be verified and may be fraudulent.

Under the FCRA, unverifiable or fraudulent information must be removed, not continued to be reported.

Please complete the actions above within the statutory timeframe and provide written confirmation to both me and the CFPB. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas 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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS)
State: PA

Complaint narrative:
My name is XXXX XXXX I need this cfbp complaint XXXX I need the information in it to be disputed and investigated and removed and deleted of my report record because it wasnt etc.

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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
These are inaccurate items. They show as late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I am getting several letters denying me credit cards Ive never applied for. Ive received XXXX letters denying credit so far this past week. Synchrony Bank regarding XXXX, and XXXX credit card Services were the XXXX most recent.

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 2025-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
In XX/XX/year>, I paid {$470.00} for the enrollment of a course at an online XXXX XXXX. The course was supposed to start on XX/XX/year>. I used a credit card to make the enrollment payment. I selected that I would not use this card for future payments, that it was only for this payment. I also deleted the card information from the system. XXXX days later, the university made a charge of {$260.00} that I did not authorize and that was not owed. I contacted the bank and informed them that the {$260.00} payment was not authorized by me. Later I noticed that the university defrauded me because I did not receive the course I bought. I contacted the bank again and warned them about the situation. On XX/XX/XXXX, the bank charged {$260.00} and paid the university

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 monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Accounts I have know knowledge of wrong address incorrect data on my credit card 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 2025-11-25 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:
Upon reviewing my credit report, I have identified the following item ( XXXX ) that contain incorrect information : The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX CO Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The following account is not mine XXXX XXXX XXXX- Please remove it from my credit report. 

The following account is not mine XXXX XXXX XXXX XXXX - Please remove it from my credit report. 

The following account is not mine XXXX- Please remove it from my credit report. 

The following account is not mine XXXX- Please remove it from my credit report. 

The following account is not mine XXXX XXXX - Please remove it from my credit report. 

The following account is not mine CAPITAL XXXX - Please remove it from my credit report. 

The following account is not mine XXXX- Please remove it from my credit report. 

The following account is not mine XXXX XXXX XXXX  - Please remove it from my credit report. 

The following account is not mine XXXX XXXX XXXX XXXX - Please remove it from my credit report. 

The following account is not mine XXXX- Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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 the following item ( XXXX ) that contain incorrect information : The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX CO Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The following account is not mine XXXX XXXX XXXX- Please remove it from my credit report. 

The following account is not mine XXXX XXXX XXXX XXXX - Please remove it from my credit report. 

The following account is not mine XXXX- Please remove it from my credit report. 

The following account is not mine XXXX- Please remove it from my credit report. 

The following account is not mine XXXX XXXX - Please remove it from my credit report. 

The following account is not mine CAPITAL XXXX - Please remove it from my credit report. 

The following account is not mine XXXX- Please remove it from my credit report. 

The following account is not mine XXXX XXXX XXXX  - Please remove it from my credit report. 

The following account is not mine XXXX XXXX XXXX XXXX - Please remove it from my credit report. 

The following account is not mine XXXX- Please remove it 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 non-monetary relief
Consumer complaint received 2025-11-25 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: TX

Complaint narrative:
These entries are inaccurate and do not accurately represent my payment history. I have made multiple requests for an investigation and correction of these discrepancies, yet no meaningful action has been taken. Despite submitting all required documentation and following up repeatedly, these errors remain unresolved. This ongoing inaccuracy has caused significant financial hardship and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information found to be inaccurate or unverifiable. I am therefore requesting that you immediately investigate and update or remove these erroneous late payment entries. Continued failure to correct these inaccuracies constitutes a violation of my rights under federal law. I expect your prompt attention and a written confirmation of resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Central Portfolio Control Inc.
State: GA

Complaint narrative:
A credit card with XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX over a year later XX/XX/XXXX they the collection agency Cental Portfolio placed the debt on my XXXX  credit report. I contacted them they admitted was in error but never removed it from the credit report I called them a XXXX time now they say there is nothing they can do since they deleted the debt from there office and 4 times I've tried disputing it XXXX XXXX  and all 4 times their results are The debt remains. I've list XXXX points because of this and had plans of buy a car.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: GA

Complaint narrative:
Hello, this is my second time writing this complaint. There are still accounts on my credit report that shouldn't be there, despite the fact that I wrote your company a dispute last month, in which I explicitly mentioned the accounts that were false. Your company 's carelessness is stressing me out and negatively impacting my mental 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 explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Guild Holdings Company
State: GA

Complaint narrative:
On XX/XX/year>, I made contact with Guild Mortgage regarding my account because my paycheck was short due to the XXXX. I made a payment upfront of {$710.00} and then another payment was supposed to be removed from my account on XX/XX/year>. The payment of {$710.00} on XX/XX/year> did not happen. I went in person to my bank on XX/XX/year> to see if the payment was pending and they ran a check on my account and then showed that there were no pending payments as agreed upon. I made contact with Guild Mortgage on XX/XX/year> to find out what happened and they advised they pulled {$710.00} from my account. I asked them not to pull the amount from my account because of their delay, other bills had hit and the account could no longer support the balance. They advised that there was nothing they could do and if it posted, it posted, if not, my account would update accordingly. In an effort to minimize the fallout, I sent a request to my XXXX to pull out the owed amount because, after talking with my bank, I was assured it would not hit, which it did not, however, after more contact with the mortgage company, correct information has not updated and, it shows, I only owe {$300.00}. I have attempted to contact the company again today ( XX/XX/year> ) to try and obtain correct information, however, none could be provided because per them ( I spoke with XXXX ), they have XXXX clue as to what is going on and previous payment of {$710.00} on XX/XX/year> has been misapplied so I can not get the correct documentation required to even out the loan. I was even told to just pay the XXXX payment as XXXX, however, that would still create an even bigger avalanche of problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: NJ

Complaint narrative:
I am submitting this formal dispute regarding the accounts listed below. I believe these accounts are inaccurately reported and request that they be reviewed and corrected in compliance with the Fair Credit Reporting Act ( FCRA ). Please review the following accounts for each credit bureau : Charged-Off Accounts : No charged-off accounts listed. 

Inquiries : XXXX XXXX  Date : XX/XX/year>XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: AZ

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
Chime refused to properly investigate my dispute and denied my claim, asserting the transactions were authorized. 
Chime failed to acknowledge that fraudulently induced authorization is covered under Regulation E ( 12 CFR Part 1005 ), which protects consumers from electronic fund transfers resulting from fraud, even when the consumers information is used to authorize the transaction. 
I requested the denial reason code and formally asked Chime to reopen the dispute. Despite this, they refused to investigate further.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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 ( XXXX U.S. Code XXXX ) 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 2025-11-25 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: LA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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