vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-07 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: AL

Complaint narrative:
I am disputing the following items on my Experian credit report that I believe are inaccurate or incomplete. Please investigate these items and ensure they are reported correctly. 

============================== CHARGED OFF 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-07 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: GA

Complaint narrative:
XXXX XXXX XXXX account was paid in full, and the creditor accepted payment as full satisfaction of the debt.

Despite this, TransUnion continues to report the tradeline as active and derogatory, showing late payments and delinquency codes after the balance became {$0.00}. This reporting is factually false, incomplete, and materially misleading, violating several sections of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), including : 1681e ( b ) Failure to employ reasonable procedures to assure maximum possible accuracy ; 1681i ( a ) Failure to reinvestigate and delete unverifiable or inaccurate information ; 1681s-2 ( a ) ( 1 ) ( A ) Furnishing data known or reasonably expected to be inaccurate ; 1681s-2 ( b ) ( 1 ) ( E ) Duty to delete or modify inaccurate data after notice of dispute. 

Federal precedent holds that continued reporting of any derogatory or late-payment data after a debt is settled in full constitutes inaccuracy as a matter of law : Dennis v. BEH-1 LLC, 520 F.3d 1066 ( 9th Cir. 2008 ) Reporting delinquency after settlement was ruled inaccurate as a matter of law.

Cortez v. Trans Union LLC, 617 F.3d 688 ( 3d Cir. 2010 ) Failure to delete misleading tradeline data violates FCRA 1681i.

Seamans v. Temple Univ., 744 F.3d 853 ( 3d Cir. 2014 ) Technically accurate but materially misleading data is actionable under FCRA.

Cushman v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ) CRA must verify or delete disputed data ; continued reporting after notice is willful noncompliance.

Collins v. Experian Info. Solutions, Inc., 775 F.3d 1330 ( 11th Cir. 2015 ) Reporting post-settlement derogatory data constitutes an inaccuracy requiring deletion.

The CFPBs 2013 Bulletin on Data Furnishing and FTC Opinion Letters ( Wollman, 1998 ; Gowen, 1999 ) affirm that furnishers must cease reporting negative information once a consumers liability has been extinguished. TransUnions continued display of this tradeline with red late-payment indicators post-settlement constitutes re-aging, a deceptive and prohibited practice under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ).

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted a formal dispute to the XXXX XXXX XXXX on XX/XX/XXXX regarding inaccurate late payment remarks on my credit report. 
The account ( XXXX ) I disputed are : XXXX XXXX Account XXXX XXXXXXXX Late payment ( XXXX ) reported on XX/XX/XXXX In my letter, I requested : A reinvestigation of the late payment remark ( XXXX ) Proper verification and documentation of the derogatory reporting A description of the method of verification used, as required by FCRA 1681i ( Section 611 ) As of today, over XXXX  days have passed, and I have not received a response, nor has the inaccurate information been corrected or removed from my report. 
This failure to investigate and respond violates multiple provisions of the Fair Credit Reporting Act, including : FCRA 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation FCRA 1681e ( b ) Failure to ensure maximum possible accuracy I am now forced to escalate the matter due to the bureaus noncompliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if 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 2025-11-07 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: AL

Complaint narrative:
I am writing to file a dispute regarding several accounts that I believe have incorrect information, and I respectfully request that these issues be investigated. Below are the details of the accounts and inquiries in dispute for each credit bureau CHARGED OFF Accounts : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} Bankruptcy Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} INQUIRIES : XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX XXXX  XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX LATE PAYMENTS : XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: LA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-11-07 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 submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: TX

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
THIS IS INACCURATE ACCOUNTS. IT DOES NOT BELONGS 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 2025-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. 

I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IL

Complaint narrative:
XXXX  is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
My name is XXXX XXXX please close me and my account account portal login out so we cant login to it no more at XXXX and email is XXXX and her name is XXXX XXXX please deactivate and fully unenroll it and delete it out the system and delete data etc.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
I requested validation of this credit card debt from Midland Credit Management. They have not provided documentation proving the debt, including the original creditor, balance breakdown, or supporting documents. The account continues to be reported and remains unverified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: NC

Complaint narrative:
Subject : Formal Complaint Against Chime Bank Failure to Provide Refund for Unauthorized Transactions To : Consumer Financial Protection Bureau Date : XX/XX/year> Dear CFPB Representative, I am submitting this complaint against Chime Bank for failing to properly investigate and refund unauthorized transactions connected to XXXX XXXX XXXX between XXXX and XX/XX/year>. 
The disputed transactions total {$2200.00}, broken down as follows : XXXX : {$450.00} XXXX : {$600.00} XXXX : {$600.00} XXXX : {$430.00} XXXX : {$190.00} XXXX filed a dispute and an appeal with Chime, explaining that these transactions were not authorized by me and were related to online gaming activity that is not legal in North Carolina. Despite providing detailed information and proof of unauthorized access, Chime denied my claim and my appeal without proper justification. 
In contrast, XXXX refunded identical transactions tied to the same merchant after confirming they were fraudulent. This clearly shows that the issue was legitimate and not user-authorized. 
Chimes refusal to issue a refund or provide a full investigation report violates the Electronic Funds Transfer Act ( EFTA ) Regulation E, 12 CFR 1005.11, which requires financial institutions to investigate unauthorized transactions and correct any errors promptly. 
I request that the CFPB review this matter and take appropriate action to ensure Chime complies with federal law and issues my refund of {$2200.00} immediately. 
Attached : Proof of transactions ( XXXX XXXX  ) XXXX refund confirmation for similar unauthorized transactions Prior communication with Chime Thank you for your attention and assistance. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Also I did several transactions with many different cards and I don't have most of them because they were either lost or stolen

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted a formal dispute to the credit reporting bureau on XX/XX/XXXX regarding inaccurate late payment remarks on my credit report. 
The account ( s ) I disputed are : XXXX XXXX Account # XXXX Late payment ( s ) reported on XX/XX/XXXX In my letter, I requested : A reinvestigation of the late payment remark ( s ) Proper verification and documentation of the derogatory reporting A description of the method of verification used, as required by FCRA 1681i ( Section 611 ) As of today, over 30 days have passed and I have not received a response, nor has the inaccurate information been corrected or removed from my report. 
This failure to investigate and respond violates multiple provisions of the Fair Credit Reporting Act, including : FCRA 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation FCRA 1681e ( b ) Failure to ensure maximum possible accuracy I am now forced to escalate the matter due to the bureaus noncompliance.

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 2025-11-07 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:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account. 

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items. 

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from 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 2025-11-07 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: NY

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX XXXX ] Account Number : [ XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: CO

Complaint narrative:
I am writing to formally dispute certain items listed on my credit report, as provided by the bureaus. I believe these items to be inaccurate, incomplete, and misleading, and I respectfully request a thorough investigation in accordance with the Fair Credit Reporting Act ( FCRA ) to correct the errors. I trust that your review will ensure the highest standards of accuracy are met. 


Charged-Off Accounts : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Reported : XX/XX/XXXX Balance : {$2900.00} This account was reported as charged off. I respectfully request that this account be verified for accuracy. If this information can not be verified, I request it be removed. 

XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Reported : XX/XX/XXXX Balance : {$1000.00} I dispute the accuracy of this account 's reporting and request that it be fully verified or removed if no supporting documentation can be provided. 

XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Reported : XX/XX/XXXX Balance : {$3900.00} The charge-off for this account does not reflect the most current payment information, and I request that you verify and correct the reported status. 

XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date Reported : XX/XX/XXXX Balance : {$3500.00} This account should be reviewed for completeness and accuracy. If the information is not verifiable, I request its removal. 

XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Date Reported : XX/XX/XXXX Balance : {$9900.00} XXXX dispute the charge-off status of this account. Please investigate and provide verification, or remove the entry if not substantiated. 

XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Reported : XX/XX/XXXX Balance : {$11000.00} This account has been reported as charged off. Please verify the accuracy of this information or have it removed from my report. 

Late Payment Accounts : XXXX XXXX  Account Number : 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 2025-11-07 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: FL

Complaint narrative:
I am writing to formally dispute the discover card account appearing on my credit report. This dispute is being submitted under the fair credit reporting act FCRA 15 U.S.C S 1681i Which mandates that all information reported be accurate, complete and verifiable. 
Creditor name ; XXXX card Account number XXXX reported by Transunion, Experian and Equifax

Company response to consumer: Closed with non-monetary relief