vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have submitted multiple dispute letters to Equifax, Experian, and TransUnion regarding inaccuracies on my credit report ; however, the errors remain uncorrected. Attached are copies of the letters previously sent to each bureau, along with a table outlining the discrepancies across all three reports. I kindly request your assistance in resolving these issues as soon as possible.

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 2025-10-22 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:
THIS ACCOUNT IS NOT MINE AND WAS CREATED BY AN UNAUTHORIZED PARTY ;

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-10-22 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:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: TX

Complaint narrative:
THE REPORTED LATE PAYMENT IS AN ADMINISTRATIVE ERROR.

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 2025-10-22 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: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: NY

Complaint narrative:
My name is XXXX XXXX XXXX complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under XXXX U.S. Code XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2025-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
TRANSUNION JUST CONSPIRED WITH XXXX XXXX XXXX XXXX IN CONSPRIRACY AGAINST ME THE EXECUTOR OF THE ESTATE OF XXXX XXXX XXXX of XXXX  XXXX XXXX, USING ARTIFICIAL INTELLIGENCE TO REPORT FRAUDULENT INFORMATION ON MY CREDIT REPORTS ILLEGALLY FROM XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX IS REPORTING FRAUDULENT INFORMATION ON A FRAUDULENT ACCOUNT ENDING IN XXXX. XXXX  JUST DROPPED MY SCORE XXXX POINTS USING FRAUDULENT INFORMATION FROM XXXX XXXX XXXX XXXX. THIS ACCOUNT ENDING IN XXXX WAS REMOVED XXXX MONTHS AGO, BUT XXXX  USED FRAUDULENT INFORMATION TO PROCEED AFTER THE FACT TO CONTINUOUSLY DROP MY CREDIT SCORES ON REPORTS FROM XXXX!! ! XXXX I HAVE PROOF. The Fair Credit Reporting Act ( FCRA ) is a federal law that promotes the accuracy, fairness, and privacy of consumer information in the files of consumer reporting agencies ( CRAs ). You can dispute inaccurate or incomplete information with the CRA, which must investigate and take action to correct the information. Who is Covered by the FCRA Consumer Reporting Agencies ( CRAs ) : Companies like the three major credit bureaus ( XXXX, XXXX, and TransUnion ) that compile and sell consumer reports to Users of Consumer Reports : Entities like creditors, lenders, employers, and landlords who use consumer reports for decisions about credit, employment, insurance, and more. You can dispute inaccurate or incomplete information with the CRA, which must investigate and take action to correct the information. 18 U.S. Code 241 - Conspiracy against rights U.S. Code Notes Authorities ( CFR ) prev | next If two or more persons conspire to injure, oppress, threaten, or intimidate any person in any State, Territory, Commonwealth, Possession, or District in the free exercise or enjoyment of any right or privilege secured to him by the Constitution or laws of the United States, or because of his having so exercised the same ; or If two or more persons go in disguise on the highway, or on the premises of another, with intent to prevent or hinder his free exercise or enjoyment of any right or privilege so secured They shall be fined under this title or imprisoned not more than ten years, or both ; and if death results from the acts committed in violation of this section or if such acts include kidnapping or an attempt to kidnap, aggravated XXXX abuse or an attempt to commit aggravated XXXX abuse, or an attempt to kill, they shall be fined under this title or imprisoned for any term of years or for life, or both, or may be sentenced to death.

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 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My name is XXXX XXXX XXXX complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under XXXX U.S. Code XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THIS ACCOUNT IS NOT MINE AND WAS CREATED BY AN UNAUTHORIZED PARTY

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 2025-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: NY

Complaint narrative:
I had got money deposited into my account on cashapp and then they claimed that it was suspicious activity and they wont let me take out any of my money off the account or transfer it saying they will give me a resolution within 24 to 48 hours but didnt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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 did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: BILL.COM, LLC
State: PA

Complaint narrative:
Complaint Summary : Misrepresentation and failure to provide promised invoice financing on a business profile created under my existing Bill.com account.

Complaint Details : I have a Bill.com account that previously had invoice financing available. I was advised by Bill.com representatives that if I added a business profile under the same account, I would retain the same financing feature. Based on that assurance, I created the profile for my single-member LLC. It is worth noting that, per IRS, this is a disregarded entity identical to my personal profile. They are attached and should share data such as " history of transactions '' et al. 
After setup, invoice financing was never activated. I contacted customer service by phone, was told the issue could be resolved within 24 hours, and was asked to allow that time for correction. Despite follow-up, nothing changed. I later received a message through the Bill.com mobile app implying the issue was resolved, but it was not. When I asked again, I was only sent a generic policy explanation instead of a specific reason for denial. 

Because my LLC is legally a disregarded entity, there should be no difference in financing eligibility between it and my personal account. I was misled to believe the feature would transfer. 

As a result, a recent invoice is now subject to a lengthy payout delay. I must revert to using my personal account for business transactions, defeating the purpose of having separated profiles, violating company SOPs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: MI

Complaint narrative:
I am requesting a fair and complete resolution under the Fair Credit Reporting Act ( FCRA 604 ( a ) and 611 ). 

The XXXX XXXX XXXX  account ( formerly XXXX XXXX ) is reporting on my credit report with Experian, Equifax, and TransUnion despite being closed, having no current balance, and no permissible purpose for continued reporting. 

I have verified that all third-party data sources including XXXX, XXXX, XXXX, XXXX, and XXXX are under active security freezes, meaning the credit bureaus no longer have a lawful or verifiable data source to confirm this information. 

Since the account is closed and shows no active contractual relationship, it no longer meets the permissible purpose standards of FCRA 604 ( a ). This continued reporting is inaccurate and unverifiable.

I am requesting : 1. Permanent deletion of the XXXX XXXX XXXX account from all three bureaus. 
2. Documentation showing the exact data furnisher and method used to verify this account after my dispute.

3. Written confirmation once deletion is complete.

Attached are current screenshots of the account showing it is closed and updated after my disputes, yet still remains reported.

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 2025-10-22 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: TX

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-10-22 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:
Basically someone stole {$1800.00} from my chime account I filed a dispute with charges posted I been getting my dispute denied on the XXXX business day when they supposed to give me provisional credit without even contacting the merchant I been in contact with the merchant since the beginning all they waiting on is chime to request the money back which they havent tried then I requested the documents which they tell me why they denied the dispute and it basically no sense not explaining why just providing the transaction amount date my proof and a bank statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: TN

Complaint narrative:
I am Submitting this complaint to formally dispute the late payment history being reported on my XXXX student loan accounts ending in XXXX. As a responsible consumer striving to rebuild and maintain a solid credit profile, I take my financial obligations seriously. However, the reporting on these accounts reflects a series of delinquencies that are inconsistent, misleading, and in violation of the Fair Credit Reporting Act ( FCRA ). 
In XXXX, I experienced temporary financial hardship due to unforeseen personal circumstances that briefly impacted my ability to make timely payments. However, once the issue was resolved, I made every effort to bring my accounts current and maintain them responsibly. Despite this, my credit file continues to display repeated and extended late payments for the same periods ( XX/XX/XXXX through XX/XX/XXXX ) on both accounts which is not only inaccurate but also misleading in nature. 
The first XXXX account shows a balance owed of {$4000.00} with late payments reported as 90 days late in XX/XX/XXXX, 120 days late in XX/XX/XXXX, 150 days late in XX/XX/XXXX, 90 days late in XX/XX/XXXX, 120 days late in XX/XX/XXXX, and 150 days late in XX/XX/XXXX. The second XXXX  account shows a balance owed of {$6500.00} with the same pattern of late payments, and a last activity date of XX/XX/XXXX, reported as 90 days late in XX/XX/XXXX, 120 days late in XX/XX/XXXX, 150 days late in XX/XX/XXXX, 90 days late in XX/XX/XXXX, 120 days late in XX/XX/XXXX, and 150 days late in XX/XX/XXXX. 
According to FCRA XXXX ( A ) ( XXXX ), Congress determined that inaccurate credit reporting directly undermines consumer confidence and fair access to credit opportunities. The duplicative and inconsistent reporting of late payments violates this fundamental principle. Moreover, FCRA XXXX ( B ) requires consumer reporting agencies to ensure the maximum possible accuracy of information they maintain. Clearly, listing the same delinquencies multiple times for overlapping months fails to meet that standard. 
Additionally, FCRA XXXX ( a ) ( XXXX ) ( A ) places a duty on furnishers, such as MOHELASERVCN, to provide information that is complete and accurate. If the creditor has reported the same XXXX, XXXX, and XXXX lates more than once, it reflects a serious breach of their legal obligation. Further, under FCRA XXXX ( a ), I have the right to dispute incomplete or inaccurate information, and you are required to conduct a reasonable reinvestigation within XXXX  days.

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 2025-10-22 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 did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing

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 2025-10-22 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: WA

Complaint narrative:
Good day, I am submitting this follow-up regarding a prior dispute I filed about numerous inaccurate, inconsistent, and unverifiable items appearing on my credit reports. I previously requested a reinvestigation, but these items remain on my file without adequate verification or correction. These reporting errors do not reflect my actual payment history and are harming my credit profile. 

XXXX XXXX XXXX, XXXX, WA, XXXX XXXX XXXX XXXX, XXXX XXXX, WA, XXXX XXXX XXXX XXXX I XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$820.00} XXXX XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$1400.00} XXXX XXXX  XXXX Balance : XXXX XXXX XXXX  XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: WA

Complaint narrative:
Good day, I am submitting this follow-up regarding a prior dispute I filed about numerous inaccurate, inconsistent, and unverifiable items appearing on my credit reports. I previously requested a reinvestigation, but these items remain on my file without adequate verification or correction. These reporting errors do not reflect my actual payment history and are harming my credit profile. 

XXXX XXXX XXXX, XXXX, WA, XXXX XXXX XXXX XXXX, XXXX XXXX, WA, XXXX XXXX XXXX XXXX I XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$820.00} XXXX XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$1400.00} XXXX XXXX  XXXX Balance : XXXX XXXX XXXX  XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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