vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 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 writing to dispute the following information on my Equifax credit report. I have identified the following accounts which I believe are inaccurately reported. Below is a summary of the accounts in dispute : CHARGED OFF XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Balance : {$880.00} INQUIRIES XXXX XXXX, XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX LATE PAYMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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 disputes and document requests over 40 days ago. I did not receive competent documentary evidenceonly restated tradeline data.I am disputing late-payment markers reported by XXXX  XXXX on two tradelines : XXXX  XXXX ( Open Revolver ) ending XXXX bureaus show a run of XXXX delinquencies in prior periods, yet the account now reports Current and the monthly grids diverge by bureau ( some UN/unknown, others show different late codes for the same months ). Comments also toggle between previously in disputenow resolved and other statuses, evidencing inconsistent furnishing. 

XXXX  XXXX ( Closed/Charge-off ) ending XXXX  monthly grid and status codes ( CO/charge-off ) are reported alongside long sequences of late codes, but there are material discrepancies across CRAs in the two-year grid and supporting fields ( e.g., Credit Limit present vs {$0.00}, different reported/verified dates ) . The past-due amounts also conflict with status/closure dates. 

These contradictions indicate XXXX  XXXX has not followed procedures to ensure maximum possible accuracy or maintained Metro 2 consistency across Payment Rating, Current Status, Past Due, Credit Limit/High Credit , and the monthly history.

Law & standards invoked : FCRA 607 ( b ) ( 1681e ( b ) ) maximum possible accuracy.

FCRA 623 ( a ) & ( b ) accuracy and reasonable investigation duties after CRA notice.

Metro 2 CRRG requires consistent reporting across fields and months ( including a properly maintained Date of First Delinquency driving any charge-off timelines ) XXXX XXXX and CRAs must produce the complete transactional ledger, billing statements, delinquency notices, and internal payment-posting records to substantiate each late month. Mere replication of the credit report or ACDV summaries is not verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: AZ

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-12 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: CA

Complaint narrative:
I am submitting this formal complaint to dispute certain accounts, inquiries, and charges on my credit report that I believe are inaccurate. Below are the details of the disputed items, separated by credit bureau.

Charged-Off Accounts : None currently listed for dispute.

Inquiries : None currently listed for dispute. 

Late Payments : XXXX  XXXX Account Number : XXXX Date : XX/XX/year> Balance : {$110.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Fidelity National Financial, Inc
State: MO

Complaint narrative:
Summary of Events : Disputed Timeshare Transaction and Mortgage On XX/XX/XXXX, XXXX XXXX XXXX attended a sales presentation at the XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. During this presentation : She was offered a promotional travel membership with XXXX XXXX points. 

She interacted only with two salespeople and a data administrator named XXXX XXXX, who was not a licensed notary, closing agent, or settlement professional. 

XXXX was not informed that she was entering into a mortgage or purchasing a deeded real estate interest. 

She was not presented with any mortgage, deed, title insurance, or escrow documents during the presentation. 

She never met with a XXXX XXXX, was not asked to present identification, and no notary journal or verification record has been provided. 

Her signature was fraudulently copied and affixed to multiple documents, including : Mortgage Agreement Deed Closing Disclosure Affiliated Business Arrangement Disclosure Statement Purchase Agreement Receipt for Timeshare Documents The only documents she knowingly signed were : A Florida XXXX XXXX XXXX, presented as a tax-related form by XXXX XXXX XXXX 

An Owner Clarification Form, which was later altered to include a Deferred Recording Process Disclosure. 

A receipt for cash funds submitted at the event. 

In XX/XX/XXXX, XXXX received a packet of documents from XXXX XXXX XXXX, including the mortgage, deed, and title insurance policynone of which she had seen or signed in person.

The Purchase Agreement also names Fidelity National Title Insurance Company as the escrow agent, contradicting their claim of non-involvement. This clause confirms that Fidelity held consumer funds and was responsible for managing the cancellation period, despite denying any affiliation with HICV or Wilson Title. 

XXXX has submitted complaints to the CFPB, Florida Attorney General, and Missouri Attorney General, asserting that her identity and signature were misused, and that the transaction was executed without proper disclosure, consent, or legal process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: IL

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. 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 anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

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 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 7 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.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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
Consumer complaint received 2025-11-12 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: NJ

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 explanation
Consumer complaint received 2025-11-12 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:
Dear CFPB Representative, I am submitting this complaint regarding multiple inaccurate items and a wrong address that are currently being reported on my credit report by one or more credit reporting agencies. These errors are seriously impacting my credit standing and do not reflect accurate information about my credit history. 
Despite my attempts to resolve these issues directly with the credit bureaus, the errors remain unresolved. I am requesting that the CFPB investigate these matters and ensure that the credit bureaus and furnishers comply with the Fair Credit Reporting Act ( FCRA ). 
Accounts in Error : XXXX Account # XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$640.00} Reported as Late Payment. This is incorrect ; please correct the payment history to reflect on-time payments. 
Hard Inquiries to be Reviewed : XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I did not authorize these inquiries and request they be removed immediately as unauthorized. 
Requested Action I am requesting that the CFPB investigate these errors and ensure that : The credit reporting agencies conduct a full and fair reinvestigation. 
All unverifiable or incorrect information is permanently deleted. 
The furnishers provide documentation proving the accuracy of each account or inquiry. 
The wrong address is permanently removed from my report. 
I appreciate your time and assistance in ensuring that my credit report accurately reflects my true credit history. Please keep me informed of any findings or actions taken regarding this complaint. 
Thank you for your help.

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 2025-11-12 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:
I am disputing the following charged-off accounts and inquiries on my Equifax credit report : Charged-Off Accounts : XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$670.00} XXXX XXXXXXXX, XX/XX/XXXX, Balance : {$0.00} XXXX XXXXXXXX, XX/XX/XXXX, Balance : {$1300.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$990.00} XXXX XXXX XXXX, XX/XX/XXXX, Balance : {$950.00} XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$260.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$54.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance XXXX {$360.00} XXXX FXXXX, XXXX, XX/XX/XXXX, Balance : {$1500.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$2100.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$2800.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$750.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$770.00} XXXXXXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$1400.00} Inquiry Disputes : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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 disputing the following charged-off accounts, inquiries, and late payments that appear on my Experian credit report. These items are either incorrect, incomplete, or improperly reported. 

CHARGED OFF ACHIEVE PERSONAL LOANS, XXXX, XX/XX/XXXX, {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$0.00} XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$0.00} Bankruptcy, XXXX, XX/XX/XXXX, {$0.00} INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX BANK XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX POSITIVE  ( No positive accounts listed ) LATE PAYMENTS XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: MA

Complaint narrative:
Consumer Complaint Against Experian Failure to Provide Method of Verification I am filing this complaint because Experian failed to comply with the Fair Credit Reporting Act after receiving my formal, written Method of Verification ( MOV ) request regarding the following accounts : XXXX XXXXXXXX Account No. XXXXXXXX XXXX XXXX XXXXXXXX Account No. XXXX On XX/XX/year> I submitted a detailed CFPB Complaint No. XXXX disputing the the completeness and accuracy of the accounts above. 
On XX/XX/year>, I submitted a detailed, statutory MOV request pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) and 1681i ( a ) ( 7 ), Experian disclose the actual procedure used to verify the disputed accounts, including : * Names and contact details of the individuals at the furnishers * Date and method of each contact during the reinvestigation * The documentation or data relied upon * Whether original account-level evidence was reviewed * Whether Experian relied solely on automated e-OSCAR responses Experian responded in my online portal approximately 15 days later with a generic message stating : The account has not been changed and will remain on your credit report.

This is NOT a legally compliant response and does not satisfy their obligation under 1681i ( a ) ( 6 ) ( B ) ( iii ). Experian did not provide : * Any procedure used to verify the accounts * Any documents reviewed * Any description of how accuracy was determined * Any evidence of independent reinvestigation * Any communication logs, dates, or methods Experian ignored every statutory requirement and instead issued a conclusory no change response. The FCRA requires a meaningful and detailed MOV, not a vague statement.

This violates : * 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) failure to provide method of verification * 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) failure to conduct a reasonable reinvestigation * 15 U.S.C. 1681e ( b ) failure to assure maximum possible accuracy * Cushman v. Trans Union ( 3rd Cir. ), Stevenson v. TRW ( 5th Cir. ), and Cortez v. Trans Union ( 3rd Cir. )

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 2025-11-12 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:
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. 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 youhave 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Chime Financial Inc
State: NV

Complaint narrative:
Hello, I lost my job and had a XXXX XXXX. I no longer have qualifying deposits, and my available balance was withdrawn without warning. I need assistance due to financial hardship please review or reverse the repayment or set up a payment plan. I cant afford basic needs right now. I have a job lined up for a XXXX start date and asked them an extension but refused. Please I am struggling without my funds. I had a deposit into my account with money borrow from family to make payments for my needs and it was taken. Please please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: AR

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center. 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 non-monetary relief
Consumer complaint received 2025-11-12 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:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

For this Items Below Please do as what instruction in compliance of 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 non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center. 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 non-monetary relief