vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-04 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-07-04 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-07-03 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: CA

Complaint narrative:
I am writing to formally dispute a collection account on my credit report that appears to be the result of identity theft. I did not authorize the opening of this account, and I have never had any dealings with the creditor or collection agency in question.

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 2025-07-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently got a copy of my credit file and noticed that there are accounts and personal information that is not correct, i am requesting that the fraudulent data and information be removed immediately as it goes against the fair credit act,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I have made a complaint on XXXX XXXX, The COMPLAINT ID is XXXX. 
I checked Chase 's reply and saw that a notarized document needs to be sent to the relevant address. However, I am currently in XXXX and won't be able to come to the XXXX for a long time. I wonder if there are any other solutions to my problem? Can I entrust a friend in the XXXX to handle it on my behalf? Could you please provide me with a few options on how to solve my problem if I can't go back to the XXXX for notarization?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX TX XXXX ACCOUNTS : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year>, Balance : {$0.00}

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 explanation
Consumer complaint received 2025-07-04 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: TX

Complaint narrative:
I am filing a formal dispute regarding a repossession account reported by " XXXX XXXX XXXX XXXX '' on my credit report. This account lists a balance of {$22000.00} and is labeled as a voluntary repossession. However, I never purchased, financed, or authorized any loan with XXXX XXXX. I never signed any contract nor gave permission for this account to be opened in my name. 

This account is inaccurate and must be removed. Its presence is negatively impacting my credit profile. 

This dispute is being filed under the protections of the Fair Credit Reporting Act ( FCRA ), particularly : - Section 602 : I have the right to accurate and fair reporting of credit-related information.

- Section 611 [ 15 U.S.C. 1681i ] : I have the right to dispute any item on my credit report and request a reinvestigation.

- Section 623 [ 15 U.S.C. 1681s-2 ] : A data furnisher ( XXXX XXXX XXXX XXXX XXXX XXXX legally required to report accurate information. Reporting an account I never opened is a violation. 
- FACTA ( Fair and Accurate Credit Transactions Act ) : Grants consumers additional protections against identity fraud and misreporting. 

I am requesting immediate reinvestigation and removal of this account from my credit report. 

Details : - Creditor : XXXX XXXX XXXX XXXX - Account Number ( partial ) : XXXXXXXX XXXX XXXX XXXX Balance : {$22000.00} - Status : Voluntary Repossession - Reporting Bureaus : Experian and TransUnion Supporting documents attached : - Copy of credit report - Government-issued ID - Letter of dispute - Proof of address Thank you for your prompt investigation and action.

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 2025-07-04 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: NY

Complaint narrative:
I am disputing inaccurate and inconsistent late payments reported on my XXXX account by all three credit bureaus. XXXX  shows 60 days late in XX/XX/XXXX but current status in XX/XX/XXXX. XXXX  reports 30 days late in both XX/XX/XXXX and XX/XX/XXXX. TransUnion reports 30 days late in XX/XX/XXXX and XX/XX/XXXX. These conflicting reports clearly show inaccuracies. I have contacted all three bureaus multiple times requesting verification and supporting documentation for these late payments but have received no verifiable proof from any bureau. I have also filed an FTC Identity Theft Affidavit and possess screenshots and documents showing the discrepancies. I am requesting that the CFPB investigate this matter and ensure the inaccurate information is corrected or removed.

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 2025-07-04 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: NY

Complaint narrative:
I am disputing inaccurate and inconsistent late payments reported on my XXXX account by all three credit bureaus. Equifax shows 60 days late in XX/XX/XXXX but current status in XX/XX/XXXX. XXXX  reports 30 days late in both XX/XX/XXXX and XX/XX/XXXX. XXXX  reports 30 days late in XX/XX/XXXX and XX/XX/XXXX. These conflicting reports clearly show inaccuracies. I have contacted all three bureaus multiple times requesting verification and supporting documentation for these late payments but have received no verifiable proof from any bureau. I have also filed an FTC Identity Theft Affidavit and possess screenshots and documents showing the discrepancies. I am requesting that the CFPB investigate this matter and ensure the inaccurate information is corrected or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 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: AZ

Complaint narrative:
This complaint is not a mistake. My credit report contains inaccuracies that fall short of the standard of maximum possible accuracy. These errors are causing ongoing harm to my financial well-being during an already difficult time.

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 2025-07-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I contacted transworld systems inc after impersonating XXXX contacted them & asked to be sent the claimed amount Iwas never sent the claimed amount or a court date for garnishment neither

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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 recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-07-04 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: GA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-04 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: LA

Complaint narrative:
My information was involved in a data breach and this account is not accurate, Ive contacted FTC and The creditor before but this investigation was not properly investigated so I ask that they remove this account from my credit report!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 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: LA

Complaint narrative:
My information was involved in a data breach and this account is not accurate, Ive contacted FTC and The creditor before but this investigation was not properly investigated so I ask that they remove this account 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 explanation
Consumer complaint received 2025-07-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-07-04 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: TN

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 2025-07-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing a formal dispute regarding a repossession account reported by " XXXX XXXX XXXX XXXX '' on my credit report. This account lists a balance of {$22000.00} and is labeled as a voluntary repossession. However, I never purchased, financed, or authorized any loan with XXXX XXXX. I never signed any contract nor gave permission for this account to be opened in my name. 

This account is inaccurate and must be removed. Its presence is negatively impacting my credit profile. 

This dispute is being filed under the protections of the Fair Credit Reporting Act ( FCRA ), particularly : - Section 602 : I have the right to accurate and fair reporting of credit-related information.

- Section 611 [ 15 U.S.C. 1681i ] : I have the right to dispute any item on my credit report and request a reinvestigation.

- Section 623 [ 15 U.S.C. 1681s-2 ] : A data furnisher ( XXXX XXXX XXXX XXXX XXXX XXXX legally required to report accurate information. Reporting an account I never opened is a violation. 
- FACTA ( Fair and Accurate Credit Transactions Act ) : Grants consumers additional protections against identity fraud and misreporting. 

I am requesting immediate reinvestigation and removal of this account from my credit report. 

Details : - Creditor : XXXX XXXX XXXX XXXX - Account Number ( partial ) : XXXXXXXX XXXX XXXX XXXX Balance : {$22000.00} - Status : Voluntary Repossession - Reporting Bureaus : Experian and TransUnion Supporting documents attached : - Copy of credit report - Government-issued ID - Letter of dispute - Proof of address Thank you for your prompt investigation and action.

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 2025-07-04 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Chime Financial Inc
State: IN

Complaint narrative:
Chime debited {$950.00} that was fraudulently. Take it out of my account by XXXX XXXX  which I do not have XXXX XXXX. I never authorize any XXXX XXXX transactions to be taken out of chime and they refused to refund the money to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-03 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: FL

Complaint narrative:
I noticed a recent change on my credit file that is absolutely inaccurate. This is in regards to a XXXX XXXX XXXX account that is showing a charged off amount of {$4500.00}. See attached. This account was included in bankruptcy so the status should reflect this. According to the Fair Credit Reporting Act ( FCRA ), the credit reporting agencies should only report accurate information. This incorrect reporting is causing my credit scores to go down preventing me from being able to obtain future credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 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: MI

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item. 

Please provide this information within XXXX  days of receiving this request, as required by federal law and your obligations under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief