vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Atlantic Recovery Solutions LLC
State: AZ

Complaint narrative:
XXXX has made several harassing calls to my personal phone in some instances 3 times a day and leaving brief or no information in the voicemail besides call ( XXXX ) XXXX. I have documented calls on the following dates : XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: MS

Complaint narrative:
XX/XX/year> The following personal information is reporting incorrectly on my credit report : Name : The correct spelling of my name is XXXX XXXX Current Address : My correct current address is : XXXX XXXX XXXX XXXX XXXX, Mississippi XXXX The following previous addresses are wrong : Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX - The following personal information is incorrect - Please delete this from my credit report. 
Incorrect Address - XXXX XXXX XXXX, XXXX, TN, XXXX - The following personal information is incorrect - Please delete this from my credit report. 
EMPLOYER - XXXXXXXX XXXX XXXX XXXX  The following personal information is incorrect - Please delete this from my credit report. 
EMPLOYER - XXXX XXXX XXXX XXXX The following personal information is incorrect - Please delete this from my credit report. 
Please update my credit file to reflect the proper spelling and data as I have indicated above. Please also remove the old inaccurate addresses. I do not want to be mistaken for someone else because of these errors that you are reporting Thank you,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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: MS

Complaint narrative:
XX/XX/year> The following personal information is reporting incorrectly on my credit report : Name : The correct spelling of my name is XXXX XXXX Current Address : My correct current address is : XXXX XXXX XXXX XXXX XXXX, Mississippi XXXX The following previous addresses are wrong : Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX - The following personal information is incorrect - Please delete this from my credit report. 
Incorrect Address - XXXX XXXX XXXX, XXXX, TN, XXXX - The following personal information is incorrect - Please delete this from my credit report. 
EMPLOYER - XXXXXXXX XXXX XXXX XXXX  The following personal information is incorrect - Please delete this from my credit report. 
EMPLOYER - XXXX XXXX XXXX XXXX The following personal information is incorrect - Please delete this from my credit report. 
Please update my credit file to reflect the proper spelling and data as I have indicated above. Please also remove the old inaccurate addresses. I do not want to be mistaken for someone else because of these errors that you are reporting Thank you,

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 2025-10-17 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:
I am sending to formally dispute several accounts that are appearing on my credit report which I believe contain inaccurate or unverifiable information. I am requesting a full reinvestigation of each account under my rights granted by the Fair Credit Reporting Act ( FCRA ). Please review the following statements for each account currently in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$3500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$150.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$560.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$32000.00}

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 2025-10-17 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: TX

Complaint narrative:
XX/XX/year> The following personal information is reporting incorrectly on my credit report : Name : The correct spelling of my name is XXXX XXXX Current Address : My correct current address is : XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Previous Address : Incorrect Name - XXXX XXXX - The following personal information is incorrect - Please delete this from my credit report. 

Incorrect Address - XXXX XXXX XXXX XXXX XXXX, TX, XXXX following personal information is incorrect- This is my relatives address. Please delete this from my credit report. 
Incorrect Address - XXXX XXXX XXXX XXXX, XXXX, TN, XXXX - The following personal information is incorrect - Please delete this from my credit report. 
Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL, XXXX - The following personal information is incorrect - Please delete this from my credit report EMPLOYER - XXXX  Please update my credit file to reflect the proper spelling and data as I have indicated above. Please also remove the old inaccurate addresses. I do not want to be mistaken for someone else because of these errors that you are reporting Thank you,

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 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

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 annd I 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 identity theft tied to the Equifax breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my financial well-being. 
UNAUTHORIZED ACCOUNTS LISTED BELOW : 1 ) XXXX  Amount : {$18000.00} Date:XXXX INCORRECT ADDRESSES LISTED : 1 ) XXXX XXXX XXXX # XXXX XXXX XXXX XXXX CA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ) XXXX XXXX XXXX XXXX, CA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX CA XXXX UNAUTHORIZED INQUIRIES LISTED WITH NO PERMISSIBLE PURPOSE : 1 ) XXXX  XXXX XXXX 2 ) XXXX XXXX 3 ) XXXX XXXX XXXXXXXX 4 ) XXXX XXXX 5 ) XXXX XXXX XXXX 6 ) XXXX XXXX XXXX  7 ) XXXX XXXX XXXX 8  ) XXXX 9 ) XXXX XXXX  10 ) XXXX XXXX XXXX 11 ) XXXX XXXX 12 ) XXXX XXXX 13 ) XXXX XXXX XXXX XXXX 14 ) XXXX XXXX XXXX XXXX 15 ) XXXX XXXX XXXX XXXX XXXX XXXX 16 ) XXXX XXXX 17 ) XXXX XXXX XXXX 18 ) XXXX XXXX XXXX 19 ) XXXX XXXX 20 ) XXXX XXXX 21 ) XXXX XXXX  INCORRECT NAMES LISTED

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 2025-10-17 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: CA

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 annd I 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 identity theft tied to the Equifax breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my financial well-being. 
UNAUTHORIZED ACCOUNTS LISTED BELOW : 1 ) XXXX  Amount : {$18000.00} Date:XXXX INCORRECT ADDRESSES LISTED : 1 ) XXXX XXXX XXXX # XXXX XXXX XXXX XXXX CA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ) XXXX XXXX XXXX XXXX, CA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX CA XXXX UNAUTHORIZED INQUIRIES LISTED WITH NO PERMISSIBLE PURPOSE : 1 ) XXXX  XXXX XXXX 2 ) XXXX XXXX 3 ) XXXX XXXX XXXXXXXX 4 ) XXXX XXXX 5 ) XXXX XXXX XXXX 6 ) XXXX XXXX XXXX  7 ) XXXX XXXX XXXX 8  ) XXXX 9 ) XXXX XXXX  10 ) XXXX XXXX XXXX 11 ) XXXX XXXX 12 ) XXXX XXXX 13 ) XXXX XXXX XXXX XXXX 14 ) XXXX XXXX XXXX XXXX 15 ) XXXX XXXX XXXX XXXX XXXX XXXX 16 ) XXXX XXXX 17 ) XXXX XXXX XXXX 18 ) XXXX XXXX XXXX 19 ) XXXX XXXX 20 ) XXXX XXXX 21 ) XXXX XXXX  INCORRECT NAMES LISTED

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 2025-10-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: VA

Complaint narrative:
XX/XX/XXXX. XXXX  i XXXX XXXX I got XXXX. They called me from XXXX # they said my card been used in Oklahoma. So I hung up called chime. And the automated message says hi we found an account that associated with this number. If u want a call back press 1. I pressed 1. Their number called back & this guy was there said he worked with chime Gave me his id number. Said call was recorded. I get a verification code from the chime number. I was told I was transfer into my new account put profile update and next thing i know my money is gone. Someone done borrowed XXXX off my pay. They knew when my direct deposit was hitting. I message chime about it. Thought it was werid. Next day had my job cancel my direct deposit. I have a witness. Police report. Recorded messages between me and chime since happened. It at all started when I noticed XXXX  charges. I got proof from XXXX  that fraud charges on card. I have 2 factor 2login in. I had cards frozen and replaced cards 3 times and this last time I aint activated card. Charges were still showing up. Can some please call me. Please help me. I have no money. And now n debt over this. Please I hope u help listen and please XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: NY

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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

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 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I just checked my credit report this morning and saw that the incorrect late payments are still appearing, which is extremely frustrating. I need this issue resolved right away and want the documents I provided to be reviewed carefully so I can stop dealing with this.

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 2025-10-17 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: FL

Complaint narrative:
I did not authorize this inquiry, and I had no communication with the lender on that 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 2025-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I did not authorize this inquiry, and I had no communication with the lender on that 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 2025-10-17 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:
I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT 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

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 2025-10-17 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CarMax, Inc.
State: IL

Complaint narrative:
Was working for a temp angeny with different assignments those assignments ended and did not have work fell behind on payments and also let the company know I did not have a job and was in the process finding a job once find one I made a payment with what I had then the car was repoed before I got the first check had to catch up on bills and rent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My credit report shows collection accounts that I believe may include inaccurate information. Under 15 USC 1681e ( b ) and 15 USC 1681i, I have the right to a credit report that is both accurate and verifiable. I request a review of these accounts, and if they can not be confirmed as accurate, they should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: FL

Complaint narrative:
I did not authorize this inquiry, and I had no communication with the lender on that date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: WA

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. 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 to be 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. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 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! Update the late payments from my consumer reports.

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 2025-10-17 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: GA

Complaint narrative:
This complaint refers to a second-round dispute regarding unauthorized credit inquiries that appear on my Experian credit report under the name of XXXX XXXX XXXX XXXX XXXX . 

Disputed inquiries : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I previously sent a dispute directly to Experian, requesting verification and documentary proof of my written authorization for each inquiry, as required under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ).

Experian responded on XX/XX/year>, stating that the reinvestigation was complete and that the inquiries were verified. However, their response did not include any signed or electronic authorization, nor any proof of a permissible purpose as required under FCRA 604 ( a ) ( 2 ).

The letter received from Experian is a stall letter disguised as a dispute result, since it does not show that a reasonable reinvestigation was conducted. Instead, it relies on generic language such as : Only companies who have certified to Experian that they have a permissible purpose may receive credit information.

This is not sufficient under the law. Experian has a duty to verify accuracy and obtain proof from the furnishers before declaring an inquiry verified. By failing to do so, Experian violated the FCRA 604, 607, and 611.

Therefore, I am requesting that the CFPB conduct a deeper investigation and require Experian to either : Provide documented proof of my written consent or a permissible purpose for each inquiry ; or Remove all unauthorized inquiries from my credit report immediately.

I am attaching a copy of Experians stall letter, my original dispute, and mailing proof.

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