vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: CO

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain 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 non-monetary relief
Consumer complaint received 2025-11-18 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: CO

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: GA

Complaint narrative:
I am filing this complaint because Equifax has reported inaccurate and incomplete information on my credit report. Despite multiple disputes, Equifax has failed to properly investigate these items, which violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically 602, 607, 611, and 623. 

I request that the CFPB assist in compelling Equifax to correct these errors and conduct a lawful reinvestigation. Any unverifiable items should be removed from my credit report. 

Charged Off Accounts in Dispute ( EQ ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$150.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am filing this complaint because Experian is reporting incorrect or unverifiable information on my credit report. Below are the details of the disputed accounts : 1. Charged Off Disputed The following charged-off accounts are inaccurately reported : XXXX, Acct # : XXXX, Date Open : XX/XX/XXXX, Balance : {$5100.00} XXXX XXXX XXXX XXXX, Acct # : XXXX, Date Open : XX/XX/XXXX, Balance : {$460.00} XXXX XXXX  XXXX, Acct # : XXXX, Date Open : XX/XX/XXXX, Balance : {$460.00} XXXX XXXX XXXX XXXX, Acct # : XXXX, Date Open : XX/XX/XXXX, Balance : {$0.00} XXXX, Acct # : XXXX, Date Open : XX/XX/XXXX, Balance : {$1300.00} These accounts need to be verified or removed if they can not be properly documented. 

XXXX. Inquiries Disputed The following inquiries were made without my consent and should be removed : XXXX XXXX, Date Open : XX/XX/XXXX XXXX XXXX, Date Open : XX/XX/XXXX XXXX XXXX, Date Open : XX/XX/XXXX XXXX XXXX, Date Open : XX/XX/XXXX XXXX XXXX, Date Open : XX/XX/XXXX XXXX  XXXX XXXX, Date Open : XX/XX/XXXX XXXX XXXX, Date Open : XX/XX/XXXX XXXX  XXXX XXXX, Date Open : XX/XX/XXXX XXXX  XXXX XXXX, Date Open : XX/XX/XXXX XXXX  XXXX XXXX, Date Open : XX/XX/XXXX XXXX XXXX XXXX XXXX, Date Open : XX/XX/XXXX XXXX XXXX, Date Open : XX/XX/XXXX XXXX XXXX, Date Open : XX/XX/XXXX XXXX XXXX, Date Open : XX/XX/XXXX These inquiries were made without authorization and should be removed from my credit report. 

XXXX. Positive Accounts There are no issues with positive accounts at this time. 

XXXX. Late Payment Disputed The following late payments are inaccurately reported : XXXX, Acct # : XXXX XXXX, Acct # : XXXX XXXX, Acct # : XXXX XXXX XXXX XXXX, Acct # : XXXX XXXX, Acct # : 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 2025-11-18 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 USC 1681c-2 ) that you, TRANSUNION credit reporting agency block information appearing on my consumer credit report that is result of identity theft and fraud within 4 business days of receiving this complaint. This false, inaccurate, and fraudulent information consist of auto loans, personal loans, collections XXXX XXXX  {$600.00} I do not recognize the aforementioned accounts, collections, and inquiries reported.The aforementioned accounts you have on file on my consumer report was not initiated by me nor opened ; they are a result of identity theft. I have attached my FTC report as a result that the mentioned accounts were opened fraudulently. 

ACCOUNTS - XXXX XXXX  {$600.00} INQUIRIES - XXXX, XXXX XXXX, XXXX, XXXX, XXXX BANK

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 2025-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL

Complaint narrative:
On XX/XX/year>, I reported a dispute to Chime for a {$240.00} incidental hold from The XXXX XXXX that was never released back to my account. The claim ID is XXXX. Chime issued a temporary credit on XX/XX/year> and reversed it on XX/XX/year>. 

The hotel confirmed in writing that the incidental hold was released on their end at checkout and that any remaining issue must be resolved by my bank. I provided this documentation to Chime. 

Despite this, Chime closed my dispute stating that I did not provide evidence, even though the evidence was sent to a Chime manager who reopened the claim. The claim was then closed again the next day without proper investigation. 

Chime continues to ask me to upload additional documents without giving any explanation of why my previously submitted documentation was rejected. Chime has not provided a written determination explanation or copies of documents used in the investigation, as required under Regulation E ( 12 CFR 1005.11 ).

I am requesting that my dispute be properly reinvestigated, that Chime provide the required written explanations and documentation, and that the merchant refund or incidental release be credited to my account as required.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The following accounts are fraudulent and I want these removed from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. This inquiry is not authorized. Please remove it from my credit report immediately XXXX XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The following accounts are fraudulent and I want these removed from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. This inquiry is not authorized. Please remove it from my credit report immediately XXXX XX/XX/year>.

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 2025-11-18 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-11-18 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-11-18 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: PA

Complaint narrative:
Re : Request for Reinvestigation Inaccurate Payment Status Reporting Account Name : __________________ Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Dear TransUnion, I am disputing inaccurate information on my TransUnion credit report regarding the above-referenced account. The account is currently reporting a Status of 60 Days Late, which is factually incorrect. 

According to the payment history displayed on my TransUnion report, the account shows : 30 Days Late : 1 time 60 Days Late : 0 times 90 Days Late : 0 times The payment grid clearly reflects no 60-day late payments ever occurred, yet the account status is incorrectly being reported as 60 Days Late. This is a violation of FCRA 607 ( b ), which requires credit reporting agencies to maintain maximum possible accuracy, and FCRA 611, which requires reinvestigation when inaccurate information is Reported. 
The condition reports closed. 
Status : reports 60 days late nowhere on this report does it state that the account is paid?

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 2025-11-18 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: TN

Complaint narrative:
I am writing to request unauthorized credit inquiries on my EQUIFAX Credit Report. My latest credit report shows 2 credit inquiries that I did not authorize. 
I am writing to dispute the following inquiries and asking for their removal from my credit report. 
INQUIRIES : XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: FL

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX ct XXXX XXXX XXXX, FL, XXXX Equifax XXXX XXXXXXXX XXXX XXXX, GA XXXX Your Account Number XXXX Account Name XXXX XXXX  Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX  resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 
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 2025-11-18 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: GA

Complaint narrative:
I am filing this complaint because Equifax is reporting inaccurate or unverifiable information on my credit report. Below are the details of the accounts I am disputing : XXXX. Charged Off Disputed The following charged-off accounts are inaccurately reported : XXXX XXXX XXXX  XXXX, Acct # : XXXX, Date Open : XXXX, Balance : {$0.00} XXXX  XXXX XXXX Acct # : XXXX, Date Open : XXXX, Balance : {$0.00} These accounts need to be verified or removed if they can not be properly verified. 

XXXX. Inquiries Disputed The following inquiries were made without my consent and should be removed : XXXX, Date Open : XXXX XXXX, Date Open : XXXX XXXX, Date Open : XXXX These inquiries were made without authorization and should be removed from my credit report. 

XXXX. Positive Accounts There are no issues with positive accounts at this time. 

XXXX. Late Payment Disputed The following late payment is inaccurately reported : XXXX XXXX XXXX, Acct # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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 explanation
Consumer complaint received 2025-11-18 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: VA

Complaint narrative:
I am filing this complaint due to inaccurate information reported by TransUnion. Despite multiple attempts to resolve these issues directly with TransUnion, they have failed to provide sufficient verification or documentation as required by the Fair Credit Reporting Act ( FCRA ), particularly 611. 

I am requesting that the CFPB intervene and ensure TransUnion conducts a proper reinvestigation and removes unverifiable items from my credit report. 

Charged Off Accounts in Dispute ( XXXX  ) XXXX XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} These accounts are being reported inaccurately, and TransUnion has failed to provide proper documentation or verification. 

Inquiries ( XXXX  ) XXXX XXXXXX/XX/XXXX This inquiry is inaccurately reported. I request its removal unless validated. 

Late Payments ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-11-18 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: GA

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report XXXX is 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 2025-11-18 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: CBC Companies, Inc.
State: TN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: VA

Complaint narrative:
I reviewed the Experian report you generated for me dated XX/XX/XXXX and XXXX disputing the way some of my revolving accounts are being reported. I dont believe youre reporting complete and fully accurate information on the tradelines listed below. 

Under 15 U.S.C. 1681e ( b ) you must follow reasonable procedures to assure maximum possible accuracy, and under 15 U.S.C. 1681i Im asking for a reinvestigation of these items. XXXX also asking you to confirm that there is a valid permissible purpose for obtaining and reporting this information under 15 U.S.C. 1681b, and that any transactions or experiences data is handled in line with 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ). 

The specific accounts XXXX disputing on my Experian report are : XXXX XXXX Credit Card Account Name : XXXX XXXX  Account type : Credit card, individual Date opened : around XX/XX/XXXX Reported balance : about {$400.00} with a {$350.00} credit limit, showing as open/never late XXXX disputing the way this account is being reported, including the balance, credit limit, highest balance, and current status ( showing over the limit ). Please verify all information youre publishing with the furnisher. If the furnisher can not fully document the accuracy of the account information youre reporting, I want this tradeline removed from my Experian file. 

XXXX XXXX Credit Card Account Name : XXXX XXXX Date opened : around XX/XX/XXXX Reported balance : about {$2800.00} with a {$3200.00} limit and a monthly payment around {$56.00}, showing open/never late I dispute the accuracy and completeness of the way this account appears on my Experian report. Please verify the balance, limit, dates, payment history, and any remarks youre reporting. If the information can not be fully verified, I want this account deleted. 

For each of these tradelines, please : Perform a full reinvestigation as required by 1681i, Confirm that there is a valid permissible purpose under 1681b, and Correct or delete any information that is inaccurate, incomplete, or can not be verified. 

After your reinvestigation, please send me an updated copy of my Experian report and a description of how you verified each account, including what records you relied on. 

This is a personal dispute letter that XXXX sending myself after reviewing my file. I expect your written response within the timeframe required by the FCRA.

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