vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This complaint concerns an active XXXX XXXX XXXX XXXX tradeline ( XXXX XXXX ) currently reported by TransUnion and Experian. 
Despite multiple formal disputes and validation requests, both entities have failed to provide a legally sufficient Method of Verification ( XXXX  ) as required under FCRA 611 ( a ) ( 7 ). 

On XX/XX/year>, I mailed a certified Dispute and Request for Validation directly to XXXX XXXX XXXX XXXX at its XXXX, WA headquarters, received and signed by XXXX XXXX on XX/XX/year>. 
XXXX XXXX did not furnish any account contract, ownership proof, or chain-of-custody records under FCRA 623 ( b ) ( 1 ) ( AE ). 

On XX/XX/year>, I submitted a formal Method of Verification request to TransUnion, seeking : XXXX records used to verify the account, Identity of the verifying furnisher, and Confirmation that the tradeline was coded as Consumer disputes this account. 

TransUnion did not respond within the XXXX statutory period and continues to report this account as XXXX XXXX {$3000.00} without the required dispute notation, violating FCRA 623 ( a ) ( 3 ) and 611 ( a ) ( 7 ). 

In a related CFPB case ( XXXX XXXXXXXX ), XXXX XXXX itself classified this same account as Potential Fraud, but provided no proof or supporting documentation an acknowledgment that undermines any verification claim. 

As of XX/XX/year>, neither TransUnion nor XXXX XXXX has produced documentation to substantiate the accuracy or ownership of this tradeline. The continued furnishing and reporting of this unverifiable account violates FCRA 607 ( b ), 611 ( a ) ( 5 ) ( A ), and 623 ( b ) ( 1 ) ( AE ).

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 2025-11-03 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: TX

Complaint narrative:
I previously submitted a dispute under FCRA 611 ( 15 U.S.C. 1681i ) regarding a late payment entry on my credit report associated with the account XXXX XXXX XXXX * * * * with a reported balance of {$6400.00}. Despite my prior dispute, this late payment entry continues to appear on my credit report, and I have not received any explanation, validation, or documentation from the credit bureau regarding its continued reporting. This constitutes a violation of the reinvestigation and accuracy requirements under FCRA 1681e ( b ) and 1681i.

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 2025-11-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I previously submitted a dispute under FCRA 611 ( 15 U.S.C. 1681i ) regarding a late payment entry on my credit report associated with the account XXXX XXXX XXXX * * * * with a reported balance of {$6400.00}. Despite my prior dispute, this late payment entry continues to appear on my credit report, and I have not received any explanation, validation, or documentation from the credit bureau regarding its continued reporting. This constitutes a violation of the reinvestigation and accuracy requirements under FCRA 1681e ( b ) and 1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: AL

Complaint narrative:
On or about XX/XX/year> and XX/XX/year> there were two fraudulent inquiries from XXXX XXXX Card Services that appeared on my credit reports across all three major credit reporting agencies : TransUnion, Experian, and Equifax. I noticed them after I received an alert from one of my monitoring services. After the first inquiry on XX/XX/year>, I called them, and two of the three companies had them deleted. TransUnion was the only company that had a protocol which required written documentation to be mailed in. I ended up doing just that. Unfortunately, it is still under investigation. So, I am requesting that the inquiry mentioned above be deleted ASAP. Secondly, the fraudulent inquiry that showed up on my credit reports on XX/XX/year> was from the same creditor, XXXX XXXX. In turn, I followed the same protocol with the credit reporting agencies, and I got a similar result, except that Equifax and TransUnion did not delete the fraudulent inquiry. I am requesting that these companies remove the inquiry from each of my credit reports mentioned above ( Equifax and TransUnion. Your utmost attention to this issue will be greatly appreciated! 
Thanks, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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:
b'This complaint serves as my sixth formal removal request, following several prior disputes that have been ignored or inadequately addressed. I am deeply concerned that your bureau continues to report unauthorized inquiries that I have previously challenged and that remain unverified to this date. This repeated failure to delete disputed information is a direct violation of my rights under federal law.\nDespite multiple prior notices, the following inquiries are still appearing on my credit file:\n XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnThese inquiries were never authorized, initiated, or consented to by me, and no written documentation has been provided by the data furnishers to prove otherwise. Continuing to report these inquiries despite multiple disputes violates the Fair Credit Reporting Act (FCRA) and constitutes willful negligence in maintaining the accuracy and integrity of consumer information.\nUnder FCRA  604(a) and  604(f) (15 U.S.C.  1681b(a) &  1681b(f)), a consumer reporting agency may only furnish a report when there is a legitimate, permissible purpose  such as a consumers explicit consent or a verifiable credit transaction. None of these inquiries meet that threshold.\nFurther, FCRA  619 (15 U.S.C.  1681q) imposes criminal penalties for any person who knowingly and willfully obtains a consumer report under false pretenses. If your bureau has allowed these entities to access my file without authorization or verification, that is a direct breach of your legal responsibility under FCRA  607(a) (15 U.S.C.  1681e(a)), which requires you to establish and maintain reasonable procedures to prevent the release of consumer data to unauthorized persons.\nAdditionally, my right under FCRA  611(a) (15 U.S.C.  1681i(a)) mandates that when a consumer disputes any part of their file, the bureau must conduct a reasonable reinvestigation and delete any unverified information within the statutory 30-day period. Your continued inaction proves that no such reinvestigation was properly conducted.\nFinally, FCRA  605B (15 U.S.C.  1681c-2) protects consumers from the ongoing harm of unauthorized or fraudulent information by granting the right to have such information blocked and permanently deleted from a credit report. You have received sufficient notice and evidence of non-authorization, and you are legally obligated to comply.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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:
b'This complaint serves as my sixth formal removal request, following several prior disputes that have been ignored or inadequately addressed. I am deeply concerned that your bureau continues to report unauthorized inquiries that I have previously challenged and that remain unverified to this date. This repeated failure to delete disputed information is a direct violation of my rights under federal law.\nDespite multiple prior notices, the following inquiries are still appearing on my credit file:\n XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnThese inquiries were never authorized, initiated, or consented to by me, and no written documentation has been provided by the data furnishers to prove otherwise. Continuing to report these inquiries despite multiple disputes violates the Fair Credit Reporting Act (FCRA) and constitutes willful negligence in maintaining the accuracy and integrity of consumer information.\nUnder FCRA  604(a) and  604(f) (15 U.S.C.  1681b(a) &  1681b(f)), a consumer reporting agency may only furnish a report when there is a legitimate, permissible purpose  such as a consumers explicit consent or a verifiable credit transaction. None of these inquiries meet that threshold.\nFurther, FCRA  619 (15 U.S.C.  1681q) imposes criminal penalties for any person who knowingly and willfully obtains a consumer report under false pretenses. If your bureau has allowed these entities to access my file without authorization or verification, that is a direct breach of your legal responsibility under FCRA  607(a) (15 U.S.C.  1681e(a)), which requires you to establish and maintain reasonable procedures to prevent the release of consumer data to unauthorized persons.\nAdditionally, my right under FCRA  611(a) (15 U.S.C.  1681i(a)) mandates that when a consumer disputes any part of their file, the bureau must conduct a reasonable reinvestigation and delete any unverified information within the statutory 30-day period. Your continued inaction proves that no such reinvestigation was properly conducted.\nFinally, FCRA  605B (15 U.S.C.  1681c-2) protects consumers from the ongoing harm of unauthorized or fraudulent information by granting the right to have such information blocked and permanently deleted from a credit report. You have received sufficient notice and evidence of non-authorization, and you are legally obligated to comply.'

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 2025-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
My XX/XX/year> mortgage payment with Fay Servicing was missed because the companys autopay system failed to process as scheduled. The Fay Servicing online dashboard showed no payment due and did not display any alerts or notices that the payment had not gone through. I discovered the missed payment only after receiving a credit alert on XX/XX/year>, and immediately made the payment online. 

When I called Fay Servicing, the first agent confirmed that autopay had been set up but failed to process and acknowledged that our story was consistent to what he could see on his end. However, later representatives gave conflicting informationone claiming we never had autopay, another saying autopay is subjective. Fay Servicing also claimed to have called multiple times but left no voicemails or sent any email notifications or alerts. I was told on XX/XX/XXXX that our account was up to date and cleared, but later learned that the late payment had still been reported to the credit bureaus. 

This late reporting caused my credit score to drop by over XXXX points, affecting our ability to refinance or obtain credit. We have always paid promptly and would not have missed a payment if Fay Servicings system or staff had provided accurate information or notice. 

I am requesting that the CFPB ( 1 ) require Fay Servicing to remove the erroneous late payment from credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Account Resolution Corporation
State: LA

Complaint narrative:
How dare you include false allegations of delinquency and derogatoriness on my credit report without any factual proof? You have not met federal or state reporting requirements and I am outraged. You must comply with regulations and the law by accurately reporting only verified information. I demand that you correct this issue immediately and take responsibility for your negligence. If you fail to do so, I will not hesitate to take legal action against you. 

ACCT RES CRP - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting this follow-up regarding my previously filed dispute concerning inaccurate address information on my Experian credit report. Despite my initial submission, the incorrect address remains on my file, and my correct address has not been updated.

The address currently reported that does not belong to me is : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The correct address that should be added/updated is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-11-03 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2025-11-03 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: CA

Complaint narrative:
I am filing this complaint because Experian is reporting an inaccurate late payment on my XXXX account ( ending in XXXX ) dated XX/XX/year>. The report shows this account as Paid with a Past Due balance of {$0.00}, which directly contradicts the late payment notation attached to it. There can not be a past due or delinquent status when the account balance is XXXX and has been paid on time. 

I have always maintained consistent payments with XXXX and I have never been late. The reporting error creates the false impression that I fell behind on a financial obligation when I did not. When I attempted to dispute the inaccuracy directly through Experians online dispute portal, I received a standard response stating that the information had been verified. However, no documentation or explanation was ever provided to show how this so-called verification was completed. 

Under the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), Experian is required to ensure that all information on my credit report is accurate and can be substantiated through proper verification. Additionally, the Truth in Lending Act ( 15 U.S. Code 1666 ( b ) ) gives me the right to have billing or reporting errors corrected by the creditor when a mistake has occurred. By keeping this false late payment on my file, Experian is failing to meet these legal obligations and is publishing information that misrepresents my true payment history. 

This single inaccuracy has already had an impact on my creditworthiness. My credit score dropped unexpectedly, and I have faced unnecessary stress and embarrassment when applying for new credit. I take pride in maintaining responsible credit habits, and it is frustrating to see that effort undermined by an error that should have been easily corrected.

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 2025-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Chime Financial Inc
State: SC

Complaint narrative:
On XX/XX/year>, I created my chime account through XXXX XXXX. The amount and conditions of the bonus are clearly written on that advertisement. The creation date of my account can be checked by chime bank. I directly deposited {$1000.00} into my account in the next month, far exceeding the {$200.00} required by the conditions. But I didn't get the bonus for a long time. I contacted a staff member through online chat. He said that I was eligible but needed me to call for manual payment. I called for nearly an hour and said that I didn't meet the conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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 previously submitted a dispute under FCRA 611 ( 15 U.S.C. 1681i ) regarding several inaccurate, incomplete, and unverifiable items currently appearing on my credit report, including the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, with a balance of {$630.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, with a balance of {$510.00} ; and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, with a balance of {$0.00}. Despite my dispute, these entries remain on my credit report without sufficient validation, and I have not received any results or explanation from the credit bureau regarding their continued presence. The reporting of these accounts violates multiple provisions of the Fair Credit Reporting Act ( FCRA ), including FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), which mandates that credit reporting agencies must maintain reasonable procedures to ensure maximum possible accuracy. Under FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ), furnishers of information are prohibited from reporting any data they know or should know to be inaccurate or misleading.

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 2025-11-03 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: EQUIFAX, INC.
State: MO

Complaint narrative:
Despite being paid off, the account still lists late payments inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: GA

Complaint narrative:
I am submitting this follow-up regarding my previously filed complaint concerning multiple inaccurate, incomplete, and unverifiable items on my TransUnion credit reports. Despite my initial dispute submission and the credit reporting agencies responses, many inaccuracies remain uncorrected. These include multiple collection accounts. 
XXXXXX/XX/XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$20000.00}

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 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting to formally dispute the reporting of several late payment entries and account statuses that do not accurately reflect my payment history. Over the past few years, I have maintained my accounts responsibly and ensured that all payments were made according to the agreed-upon terms. Despite this, my credit file currently lists several alleged late payments that are inconsistent with my verified account records. 
XXXX XXXX XXXX XXXX XXXX : {$80.00} XXXX XXXX XXXX XXXX : {$170.00} XXXX XXXX XXXX XXXX Balance : {$40000.00}

Company response to consumer: Closed with explanation