vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 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: NC

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 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. 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 XXXX XXXX XXXX XXXX NC XXXX INQUIRIES : XXXX XXXX XXXX XXXX Date : XX/XX/year> XXXXXXXX XXXX Date : 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 2025-06-24 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 complaint is in regard to a late payment that I believe was inaccurately reported on my credit file. After thoroughly reviewing my financial records, including bank statements and online account history, I can confirm that the payment was made before the due 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 non-monetary relief
Consumer complaint received 2025-06-24 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:
Experian Credit Services XXXX XXXX XXXX XXXX, TX XXXX T

his CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-06-24 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:
DELETE THESE HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX 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. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: GA

Complaint narrative:
There has been fraudulent hard inquires made to my consumer report, there unauthorized charges made to my account

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 2025-06-24 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:
I would like to request that all incorrect accounts be removed from my report completely, as they are the result of unverifiable items. Please send me a written response confirming your receipt of this dispute and detailing the results of your investigation. Additionally, if the aforementioned inaccuracies are corrected, please provide me with an updated copy of my credit report. Thank you for your prompt attention to this matter. I look forward to your resolution

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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:
I am filing a complaint because my creditor is reporting late payments on my accout ending in XXXX that are inaccurate and not properly Venfied. have disputed this directly with the credit bureaus and the furnisher but the late Payments remain without the proper Validation or documentation under 15 usc XXXX XXXX furnishers must report accurate information Under 15 usc XXXX XXXX. The credit bureaus must perform a reasonable investigation within XXXX days. Nether of them have provided sufficent endence to support the negative reporting it is very important that you remove these late payments

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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This letter serves as my formal dispute of an unauthorized hard inquiry listed on my credit report. I did not give consenteither verbal or writtenfor this party to access my credit file. This entry appears to be erroneous or potentially the result of identity misuse. Hard inquiries impact credit scores and influence how potential lenders assess risk. Therefore, any unauthorized inquiry must be treated with urgency and seriousness. According to the FCRA, you are obligated to verify the accuracy of all entries you publish and delete those that can not be substantiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: IL

Complaint narrative:
I am responding to the XX/XX/year>2025 response from Chime Financial Inc. I dispute the companys findings and request that this matter remain open for further review. I am exercising my rights under Regulation XXXX ( XXXXXXXX XXXX Part XXXX ) of the Electronic Fund Transfer Act ( XXXX ) and submitting this rebuttal through the CFPB for proper oversight. 

I reported unauthorized transactions totaling {$5700.00} on XXXX XXXX, 2025, involving : Claim ID XXXX XXXX unauthorized Pay Anyone transfers totaling {$1800.00} Claim ID XXXX XXXX additional unauthorized transactions totaling {$3900.00} Chime claims they concluded their investigations within XXXX business days and determined no error occurred, but I was not provided any substantive evidence to support that outcome no IP logs, device authentication data, user verification details, or screenshots of confirmation. 

Additionally, while Chimes response includes boilerplate language about temporary credits, I received none. Under XXXX ( c ) of Regulation XXXX, I understand that a temporary credit is required if an institution can not resolve a dispute within XXXX business days. If Chime is asserting the matter was resolved in less time, I request formal documentation and a timeline proving compliance with this standard. 

My requests are as follows : XXXX. Reopen or escalate both claims for further review. 
XXXX. Provide a written explanation of how these transactions were verified as authorized. 
XXXX. Share all supporting documentation related to device access, user authentication, and transfer confirmations. 
XXXX. Clarify the institutions decision not to issue a temporary credit. 

These transactions were unauthorized, and I am seeking recovery of funds lost through no fault of my own. This matter has created serious hardship and I am asking the CFPB to ensure my rights under federal law are properly enforced. 

Thank you for your time and continued support.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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 deeply concerned by the presence of several accounts on my credit file that I did not initiate. These accounts are unfamiliar to me, and I believe they may be the result of identity theft or clerical error. I am requesting an immediate investigation and deletion of these fraudulent entries.

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 2025-06-24 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: FL

Complaint narrative:
I filed a dispute with Equifax regarding a collection account being reported by XXXX XXXX XXXX ( XXXX ). The account contains multiple inaccuracies, including but not limited to the date of XXXX delinquency, balance verification, and missing or unverifiable documentation. Despite my dispute and request for verification under FCRA Section XXXX, Equifax failed to provide adequate documentation from the original creditor as required. 

The response I received was vague and did not include any actual verification or validation evidence from the furnisher. Equifax stated that the balance was being reported correctly and simply updated unrelated metadata fields ( such as additional info and date of major delinquency ) without addressing the substance of my dispute. This is not in compliance with the Fair Credit Reporting Act. 

No proof of a signed agreement, account statements, or validation of the debt was provided. This raises concerns that Equifax is failing to fulfill its obligations under FCRA XXXX ( a ) ( XXXX ) ( A ) and FCRA XXXX ( a ) ( XXXX ) ( A ) by accepting boilerplate responses from furnishers without conducting a meaningful investigation. 

Additionally, the lack of meaningful reinvestigation may also violate FCRA Section XXXXXXXX, and failure to remove unverifiable data violates FCRA XXXX ( b ) regarding maximum possible accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX and I would like to file a complaint against TransUnion LLC and Experian. 

I sent a credit dispute to TransUnion and received a response. Per the FCRA, I have the right to request the method of verification. 

I asked TransUnion to provide me a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation as required by the FCRA. 

There was no response to the original letter dated XX/XX/year> ( see attached ). 

I wrote another letter, titled Notice of Intent to file a complaint ( attached ) in order to receive the requested method verification and still not provided. They just sent a copy of my credit report ( attached ), which is not solving this issue. They did not provide the method of verification. 

I would like to file a complaint and request assistance in receiving the method of verification for the following collection agencies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please assist or provide direction on how to resolve this matter. Thank you very much for your time and patience. I look forward to hearing from you in regard to this matter. 

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 explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX and I would like to file a complaint against TransUnion LLC and Experian. 

I sent a credit dispute to TransUnion and received a response. Per the FCRA, I have the right to request the method of verification. 

I asked TransUnion to provide me a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation as required by the FCRA. 

There was no response to the original letter dated XX/XX/year> ( see attached ). 

I wrote another letter, titled Notice of Intent to file a complaint ( attached ) in order to receive the requested method verification and still not provided. They just sent a copy of my credit report ( attached ), which is not solving this issue. They did not provide the method of verification. 

I would like to file a complaint and request assistance in receiving the method of verification for the following collection agencies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please assist or provide direction on how to resolve this matter. Thank you very much for your time and patience. I look forward to hearing from you in regard to this matter. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Today XXXX XXXX XXXX between XXXX and XXXX Eastern, I was unable to log into my account online or on the mobile app. I cooperated with every prompt for information to reset usernames passwords pin codes etc and it never got me in my account. I called and got a robot and it would not get me to an agent and told me so, even though this was the middle of a business day. I tried to use my pin to get it to unfreeze my account. It told me to go to XXXX. I did. No matter how many times I tried it did not let me in. I easily logged in and unfroze the other XXXX credit bureau accounts. I lost the opportunity to apply for very pivotal credit today. Experian has always been this much trouble to work with. I don't just want a response. I want them to make it work so the credit freezes at their bureau don't equate to having no credit at all, since they keep me from ever using it.

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 2025-06-24 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: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( XXXX ) on my credit report, as allowed under 15 U.S.C. XXXXi : - Creditor Name : [ XXXX XXXXXXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXXXXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX ] XXXX Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXX ] XXXX Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ]

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 2025-06-24 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: IL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are picture ID, a bill and a letter helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXXC of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items of which only XXXX are required per the law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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