vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-04 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: FL

Complaint narrative:
I am a victim of identity theft. I did not open or authorize the use of this account, nor did I give anyone permission to use my personal information. This account is fraudulent and was opened or used without my knowledge or consent. I am requesting that this account be removed from my credit report and that any associated inquiries or negative reporting be deleted. I have filed a report with the Federal Trade Commission and may provide a police report if necessary. 

Disputed Accounts : -Creditor Name : XXXX XXXX  XXXXAccount Number : -Reason for Dispute : Account opened and/or used fraudulent as a result of identity theft. 

-Creditor Name XXXX XXXX XXXX XXXXXXXX -Account Number : XXXX -Reason for Dispute : Account opened and/or used fraudulent as a result of identity theft. 

-Creditor Name : XXXX XXXX XXXX -Account Number : XXXX  -Reason for Dispute : Account opened and/or used fraudulent as a result of identity theft. 

XXXXCreditor Name : XXXX XXXX XXXX -Account Number : -Reason for Dispute : Account opened and/or used fraudulent as a result of identity theft. 

-Creditor Name : XXXX XXXX XXXX XXXXAccount Number : XXXX -Reason for Dispute : Account opened and/or used fraudulent as a result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: FL

Complaint narrative:
I am a victim of identity theft. I did not open or authorize the use of this account, nor did I give anyone permission to use my personal information. This account is fraudulent and was opened or used without my knowledge or consent. I am requesting that this account be removed from my credit report and that any associated inquiries or negative reporting be deleted. I have filed a report with the Federal Trade Commission and may provide a police report if necessary. 

Disputed Accounts : -Creditor Name : XXXX XXXX  XXXXAccount Number : -Reason for Dispute : Account opened and/or used fraudulent as a result of identity theft. 

-Creditor Name XXXX XXXX XXXX XXXXXXXX -Account Number : XXXX -Reason for Dispute : Account opened and/or used fraudulent as a result of identity theft. 

-Creditor Name : XXXX XXXX XXXX -Account Number : XXXX  -Reason for Dispute : Account opened and/or used fraudulent as a result of identity theft. 

XXXXCreditor Name : XXXX XXXX XXXX -Account Number : -Reason for Dispute : Account opened and/or used fraudulent as a result of identity theft. 

-Creditor Name : XXXX XXXX XXXX XXXXAccount Number : XXXX -Reason for Dispute : Account opened and/or used fraudulent as a result of identity theft.

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 2025-08-04 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: SC

Complaint narrative:
This is my forth time reporting this issue to the credit bureaus as well as the company. My XXXX  XXXX account ending in XXXX is report as closed with a balance and reporting as late payment XXXX, XXXX, XXXX, XXXX late. I spoke with someone at XXXX XXXX and we agreed that if I settle the debt they would closed the account as " paid as agreed '' and removed the late payments off of my credit profile. They have failed to do that and are reporting wrong information and at this time I am requesting for this to be removed off of my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: MA

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-08-04 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: DE

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE XXXX XXXX XXXXOMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-08-04 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: NC

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-08-04 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: MS

Complaint narrative:
I previously disputed the XXXX XXXX XXXX / XXXX  XXXX XXXX account ( account ending in XXXX ) with TransUnion. The same account number is reported XXXX  on my TransUnion credit file with conflicting information. 
Issues include : XXXX version is reported as an XXXX Account, while the other is reported as a XXXX. Different dates opened ( XX/XX/XXXX vs XX/XX/XXXX ). Different past due amounts ( {$1100.00} vs {$0.00} ). Different comments ( assigned to aXXXX XXXX  vs meets FCRA requirements XXXX. Different last activity dates ( XX/XX/XXXX vs XX/XX/XXXX ). The Date of First Delinquency ( DOFD ) is missing, making the account unverifiable under FCRA XXXX. 
This is duplicate reporting with conflicting data, which violates FCRA XXXX ( b ). I am requesting immediate deletion under FCRA XXXX because the account can not be verified with maximum possible accuracy.

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 2025-08-04 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: TX

Complaint narrative:
My identity was stolen/ sold on the XXXX or worse several accounts have appeared on my credit profile by way of Identity Theft please autenticate my FTC Report # XXXX and review the attached files as well as my valid Identification, Experian, Equifax and TransUnion are aiding in the collection of accounts established with the use of Identity Theft, a direct violation of the FDCA them asking the companies if my personal information is correct is not an investigation, I AM demanding copies of contracts as well as my signature or deletion of these accounts. I demand the law be applied in my case and the information be blocked with the use of the FTC Report as soon as this is recieved.

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 2025-08-04 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: TX

Complaint narrative:
My identity was stolen/ sold on the XXXX or worse several accounts have appeared on my credit profile by way of Identity Theft please autenticate my FTC Report # XXXX and review the attached files as well as my valid Identification, Experian, Equifax and TransUnion are aiding in the collection of accounts established with the use of Identity Theft, a direct violation of the FDCA them asking the companies if my personal information is correct is not an investigation, I AM demanding copies of contracts as well as my signature or deletion of these accounts. I demand the law be applied in my case and the information be blocked with the use of the FTC Report as soon as this is recieved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: UT

Complaint narrative:
I have an account with XXXX XXXX  that I would like fixed. They are reporting late payments from XX/XX/XXXX to XX/XX/XXXX. I don't recall ever being late XXXX and XXXX. However, I did contact XXXX to let them know that I had a family emergency in XXXX. I planned to sell the home in XXXX  ASAP and let them know and they advised that they would give me XXXX  months and it would apply as some sort of forgiveness or forbearance. I got someone under contract in XXXX and everything finalized in XXXX. However, due to the fact that XXXX was technically the XXXX month so they decided that all the lates would be inserted. I ask the please take my situation into consideration. I never meant to be late, I was in constant communication and had an understanding with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: CA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX XXXX Final Rule XXXX ( b ) ( XXXX ) - ( XXXX ) -- -- -- XXXX ( b ) ( XXXX ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to XXXX ( b ) ( 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 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I need to XXXX  my credit report with Experian. The website is inoperable, I downloaded the app which is inoperable, and there is no way to call to speak to a live agent.

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 2025-08-04 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: CA

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report XXXX  " XXXX  '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly XXXX XXXX. XXXX ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my XXXX XXXX and XXXX hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-08-04 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:
I am writing to demand immediate deletion of the fraudulent accounts identified from my credit report. On XX/XX/year> I submitted all required identity theft documentation in accordance with XXXX XXXX. XXXX It has now been over XXXX business days since receipt of that documentation, yet the collections remains on my credit file. This is a direct violation of federal law, which mandates that consumer reporting agencies block such information within XXXX business days of receiving proper documentation. Therefore, I am demanding the immediate deletion of the collections from all of my credit reports. Additionally, I require written confirmation of the deletion within XXXX calendar days from the date you receive this letter.

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 2025-08-04 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: VA

Complaint narrative:
In XX/XX/year>, I signed up for a XXXX  concert package with XXXX, a company affiliated with XXXX and XXXX XXXX. The package included XXXX concert ticket and XXXX nights of hotel accommodations in Washington XXXX DC. I paid a deposit of {$640.00} through a payment plan. 

Between XXXX and XX/XX/year>, I contacted XXXX multiple times requesting extensions due to financial and medical hardships. XXXX granted those extensions. On XX/XX/year>, I formally informed them that I would be canceling the package due to continued hardship. XXXX canceled my package on XX/XX/year>, before providing any services or tickets. However, they refused to refund my {$640.00} deposit, citing a no refund and no disputes clause buried in their terms. 

After XXXX ceased all communication, I submitted a billing dispute to Chime ( Claim ID XXXX XXXXXXXX ) on XX/XX/year>. Chime denied the claim, and after a XXXX attempt, denied it again, stating I would need to submit new information to proceed. 

The concert event has now passed, and I did not receive any tickets, hotel stay, or services whatsoever. XXXX kept the full deposit despite delivering nothing. Their no refund and no dispute clauses prevent consumers from seeking recourse, which I believe is an unfair and possibly deceptive business practice. 

I am requesting the Consumer Financial Protection Bureau to investigate XXXX  and Chimes policies and business conduct and to assist in recovering the {$640.00} XXXX paid for services that were never rendered.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: TX

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: CA

Complaint narrative:
ACCORDING TO XXXX XXXX XXXX - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE XXXX  DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 




XXXXXXXX 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 section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish any account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX U.S.C XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: IL

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am enclosing a copy of my FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) as evidence of my claim. 
Pursuant to 15 U.S.C. 1681c-2, when a consumer files a report of identity theft, credit reporting agencies are required to block any information identified by the consumer as being the product of such theft within four ( 4 ) business days.

The following information on my credit report is the result of identity theft and must be frozen : XXXX - XXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately frozen from my credit report. This freeze must remain in effect for a period of one year, after which I may request an extension. During this time, no information may be reported. 
I have contacted TRANSUNION multiple times to report these accounts, but I have not received a clear or definitive solution to help me resolve this situation. This situation is severely impacting me, as I am trying to purchase a new home for my children and obtain financial tools to support my financial growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm. These accounts have already been removed and were not verified by other credit bureaus, so I don't understand why this agency continues to claim these accounts belong to me. 
I have requested copies of the contracts related to these accounts from the reporting company, and after more than 60 days, I have not received a response. I respectfully request that you help me by removing these accounts immediately.

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