vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-02 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: PA

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX XXXX is reporting a debt in the amount of {$270.00} on behalf of Astound without proper legal validation, violating both the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). 

To date, I have not received any validation or verification of this debt. No contract with my wet signature has been presented. No proof has been provided that Astound legally assigned or sold this debt to XXXX XXXX XXXX XXXX, and no breakdown has been issued to justify the balance claimed. 

This collection entry is unverified and inaccurate, and violates : 15 USC 1692g ( b ) no debt validation was provided.


15 USC 1692e false representation of authority to collect. 15 USC 1681b no permissible purpose to report or pull my credit.

15 USC 1681i failure to conduct proper reinvestigation of disputed debt.

IRS Code 6050P If the debt was charged off or canceled, no collection is permitted without violating federal tax 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 2025-04-02 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: GA

Complaint narrative:
I am filing this complaint because the credit bureau is failing to comply with several provisions of the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681e ( b ), 1681s-2, 1681i ( 5 ), and 1681c ( c ). I have submitted multiple written disputes, along with my supporting documentation, requesting the removal or correction of inaccurate, outdated, and unverifiable information on my credit report.

In addition to my written disputes, I submitted formal reports to the Federal Trade Commission ( FTC ) regarding the errors and concerns. Despite this, Experian continues to report inaccurate information, has not conducted a lawful or reasonable reinvestigation, and in some cases has reinserted previously deleted items without the required notice under FCRA. 

These actions are seriously harming my ability to access credit, housing, and employment. I recently became aware of the CFPB 's lawsuit against Experian for similar conduct, including sham dispute investigations. My experience matches the violations outlined in that enforcement action, and I believe my consumer rights are being ignored or deliberately violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: GA

Complaint narrative:
I am filing this complaint because the credit bureau is failing to comply with several provisions of the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681e ( b ), 1681s-2, 1681i ( 5 ), and 1681c ( c ). I have submitted multiple written disputes, along with my supporting documentation, requesting the removal or correction of inaccurate, outdated, and unverifiable information on my credit report.

In addition to my written disputes, I submitted formal reports to the Federal Trade Commission ( FTC ) regarding the errors and concerns. Despite this, Experian continues to report inaccurate information, has not conducted a lawful or reasonable reinvestigation, and in some cases has reinserted previously deleted items without the required notice under FCRA. 

These actions are seriously harming my ability to access credit, housing, and employment. I recently became aware of the CFPB 's lawsuit against Experian for similar conduct, including sham dispute investigations. My experience matches the violations outlined in that enforcement action, and I believe my consumer rights are being ignored or deliberately violated.

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 2025-04-02 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:
To whom it may concern I am writing to formally dispute and request the immediate removal of fraudulent accounts from my credit report, as I am a victim of identity theft. Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), I have the right to dispute and request the deletion of any unauthorized accounts. 

The following accounts were fraudulently opened in my name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached a copy of my Federal Trade Commission ( FTC ) Identity Theft Report ( Report Number : XXXXXXXX ), along with a copy of my government-issued ID and any supporting documentation. 

Per 15 U.S. Code 1681c-2, credit bureaus must block fraudulent information within four business days of receiving an identity theft report. I also request that you provide me with an updated copy of my credit report reflecting these removals. 

Please confirm in writing that these fraudulent accounts have been removed. If you require additional information, please contact me at the phone number or email listed above. 

Sincerely, 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 2025-04-03 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: FL

Complaint narrative:
I have made numerous attempts to address this issue by submitting disputes and complaints. I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, and my Proof of Address.

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 2025-04-03 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: FL

Complaint narrative:
I have made numerous attempts to address this issue by submitting disputes and complaints. I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, and my Proof of Address.

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 2025-04-02 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: CA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-04-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-04-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have been receiving statements with varying past due amounts for my auto loan, which was deemed a total loss. I called on XX/XX/XXXX to verify past due for XXXX XXXX, the amount was XXXX which I paid. Now it is showing I have a past due of {$35.00} after I have already paid {$35.00}. I a actively working to satisfy the principal balance before XX/XX/XXXX and have been making payments. 
I was advised to email XXXX concerning my issue after I called on XX/XX/XXXX. 
I received an email that someone would reach out to me in 2 days but they never did. Today XX/XX/XXXX, I received an alert that I have a 30 day late notice and I called. I spoke with several reps that can not understand why this happened. They advised me to follow up with the credit bureaus, but this is an error on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: AL

Complaint narrative:
I was sent a referral link from a coworker to sign up for a Chime account. She sent me the link directly from her chime app. When I received the link, my phone prompted me to sign up with an email that was not mine and it raised a red flag that my information had already been compromised or hacked via the Chime app. Within minutes of registering on the Chime app, I received an email stating the following : Hi XXXX, We noticed a new login to your Chime account from the following device : Date & Time : XX/XX/year> XXXX XXXX  XXXX Device : XXXX XXXX Approximate Location : XXXX, VA, XXXX If this was you, no action is required. 

If this was not you, please change your password immediately and review your account for unauthorized activity. 
I immediately changed my password and didnt use Chime for my direct deposit. I dont live in Virginia and this login occurred XXXX minutes after creating an account. When I called chisme today, XX/XX/year>, they informed me the login was done on XXXX XXXX XXXX which I do not have. This means that my information was compromised via the Chime app itself and so i immediately closed my account with chime but have to wait 5 days for it to finalize the closure. Chime could not tell me how my information was compromised and it seems to be an internal issue because this type of fraud was from me setting up my account from a verified Chime referral link. I believe the referral links for Chime users are comprised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I am writing to formally lodge a complaint regarding a violation of my consumer rights as stipulated under the Fair Credit Reporting Act ( FCRA ), specifically citing 15 USC 1681b ( 2 ), 15 USC 1681c-2, and 15 USC 1681i-2a .

I have recently discovered that several account profiles, which have been deemed unverifiable, were reinstated to my credit report without my consent or prior notification. This is a direct violation of my rights under the aforementioned sections of the FCRA, which outline your obligations regarding the verification of information and proper notice to the consumer.

As per 15 USC 1681b ( 2 ), 15 USC 1681c-2, and 15 USC 1681i-2a , I am entitled to be notified within five ( 5 ) business days when such accounts are added or reinstated to my credit report. Your failure to contact me within this time frame constitutes a breach of my rights under the law. 
Specifically, the accounts in question appear to have been added back to my credit file despite being previously marked as unverifiable or disputed. This reinstatement of unverifiable accounts has had a significant negative impact on my credit profile, which in turn affects my ability to access fair credit terms and other financial opportunities.

Request for Immediate Action : 1. Investigation and Resolution : I request that you immediately investigate the reinstatement of unverifiable accounts on my credit report and remove any accounts that can not be properly verified or substantiated.

2. Notification : Please provide written documentation of your findings regarding the reinstatement of these accounts and evidence of compliance with the FCRA requirements, including the proper notices or investigations conducted.

3. Correction of My Credit Report : I request that you correct my credit report to reflect only accurate, verifiable, and substantiated information as required by law.

Please respond to this complaint within 30 days of receiving this letter, as stipulated by the FCRA. I expect that any improper or unverifiable accounts will be promptly removed, and I will be notified of the resolution.

Failure to comply with my rights under the FCRA will leave me no choice but to escalate the matter to the appropriate regulatory authorities, including the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ), as well as pursue any other available legal remedies.

Thank you for your prompt attention to this matter. I look forward to your swift resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
To the best of my recollection because I do not have all the communication records, the following occurred over the period XX/XX/XXXX and XX/XX/XXXX. On or about early XX/XX/XXXX, I received a billing showing a number of charges on my then credit card account ending in XXXX amounting to {$1.00} on XX/XX/XXXX and another charge for {$1.00} also on XX/XX/XXXX and {$1.00} on the same date, all charges were disputed. ( XXXX of statement is included ) I contacted Citi XXXX XXXX to notify them that my credit card had apparently been subject to a data breach and someone ( hacker ) was attempting to use the card ending in XXXX charging minor amounts to ascertain if the card was viable. Shortly there after, on the recommendation of Citi XXXX XXXX I was advised by telephone to cancel the account ending in XXXX which I did and obtained a new account ending in XXXX. 

On a subsequent billing under account XXXX, the new account, showing a date of XX/XX/XXXX, a {$250.00} charge appeared whichallegedly was made on the old and closed XXXX account. I disputed this charge which is the subject of this dispute ( Copy of statement included ). The XXXX charges of {$1.00} on XX/XX/XXXX and the {$1.00} on said date had been reversed and resolved in my favor. See statements and attached notification. 

When I contacted Citi XXXX XXXX following receipt of my billing for the account ending in XXXX the charge for {$250.00} appeared showing that charge was orignally made on account XXXX, the account which had been closed due to the data breach back in XX/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 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I am writing to file a complaint against Experian for their failure to properly address my dispute regarding inaccurate items on my credit report. 
On XX/XX/year>, I mailed a dispute letter to Experian via USPS certified mail, tracking number # XXXX. In this letter, I detailed all inaccurate items and incorrect personal information listed on my credit report. To aid in verifying my identity and address, I included a copy of my photo ID, social security card, and a recent bank statement with my current address. According to USPS tracking, the letter was delivered to Experian on XX/XX/year>. 
On XX/XX/year>, I received a response from Experian with the following statement : " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. '' This response is completely unacceptable and appears to be a blatant violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). The FCRA clearly requires Experian to conduct a reasonable reinvestigation of any disputed items in a consumers file. There is no ambiguity in this requirement ; Experian 's refusal to investigate my dispute, despite receiving sufficient verification documents and a clear request, represents a failure to meet its statutory obligation.

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 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I need your help investigating accounts from companies that have inaccurately reported late payments. After reviewing my credit report, I found certain accounts showing late payments that should not be there. There should be no late payment remarks on these accounts. Please remove these remarks and update the accounts to reflect a positive status as agreed.

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 2025-04-02 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-02 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief