vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-13 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: CA

Complaint narrative:
I am writing to formally dispute the continued presence of inaccurate information on my credit report, despite multiple previous attempts to rectify these errors. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure the accuracy and completeness of the information you report. These inaccuracies have adversely affected my creditworthiness and have caused undue stress and financial hardship. 

I would like to draw your attention to recent enforcement actions that underscore the importance of accurate credit reporting : The CFPB sued Experian for failing to properly investigate consumer disputes, resulting in the inclusion of incorrect information on credit reports. 
XXXX Bank was fined nearly {$28.00} XXXX for providing inaccurate, negative information about its customers to credit reporting agencies and for delays in correcting errors. 
TransUnion faced a {$23.00} XXXX fine for failures related to tenant screening and security freezes, which included not ensuring the accuracy of rental background checks. 

These cases highlight the serious consequences of non-compliance with the FCRA. 

I am requesting that you : 1. Conduct a thorough and impartial reinvestigation of the disputed items.

2. Delete or correct all inaccurate, incomplete, or unverifiable information. 
3. Provide me with a copy of the updated credit report reflecting these changes. 

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 2025-06-13 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: CA

Complaint narrative:
I have been trying to remove inaccurate negative items from my credit reports with XXXX XXXX and Equifax. Despite sending multiple dispute letters over the past few months, each bureau continues to report these items as " accurate. '' When I request the method of verification or proof that these items are valid, none of the bureaus provide proper or adequate documentation as required under the Fair Credit Reporting Act ( FCRA ).

Under FCRA Section 1681i ( a ), credit reporting agencies must conduct reasonable investigations of disputed information and remove any inaccurate or unverifiable information within 3XXXX XXXX  Additionally, under Section 1681e ( b ), they must ensure the maximum possible accuracy of the information they report. 

All three bureaus have failed to properly investigate my disputes and continue to report inaccurate information that harms my credit. They have not provided sufficient evidence to verify the validity of the disputed items, violating their obligations under the FCRA. 

I have attached all the dispute letters I have sent over the past few months which contain detailed information about each disputed item. I request CFPBs assistance to ensure XXXX XXXX and Equifax comply with the law by properly investigating my disputes and removing any inaccurate or unverifiable negative items from my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: CA

Complaint narrative:
I have been trying to remove inaccurate negative items from my credit reports with XXXX XXXX and Equifax. Despite sending multiple dispute letters over the past few months, each bureau continues to report these items as " accurate. '' When I request the method of verification or proof that these items are valid, none of the bureaus provide proper or adequate documentation as required under the Fair Credit Reporting Act ( FCRA ).

Under FCRA Section 1681i ( a ), credit reporting agencies must conduct reasonable investigations of disputed information and remove any inaccurate or unverifiable information within 3XXXX XXXX  Additionally, under Section 1681e ( b ), they must ensure the maximum possible accuracy of the information they report. 

All three bureaus have failed to properly investigate my disputes and continue to report inaccurate information that harms my credit. They have not provided sufficient evidence to verify the validity of the disputed items, violating their obligations under the FCRA. 

I have attached all the dispute letters I have sent over the past few months which contain detailed information about each disputed item. I request CFPBs assistance to ensure XXXX XXXX and Equifax comply with the law by properly investigating my disputes and removing any inaccurate or unverifiable negative items from my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Chime Financial Inc
State: CA

Complaint narrative:
Chime sent me a debit and credit card that I did not apply for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: PA

Complaint narrative:
This letter is a formal follow-up to my previous correspondence regarding the fraudulent accounts that appeared on my credit report ( see attachment ) due to identity theft. Despite my earlier dispute on XX/XX/year>2025, and in clear violation of the fair credit reporting act ( FCRA ) you have failed to remove the inaccurate information from my credit report. This letter serves as an official reminder that I am a victim of identity theft, and I have NO responsibility for the fraudulent accounts ( referenced attachments ). Despite providing all necessary documentation, including an FTC identity theft Affidavit, your agency has chosen to ignore its legal obligations under the FCRA, which requires you to thoroughly investigate disputed claims and remove any inaccurate information from my credit report. As required under section 611 of the FCRA, you are mandated to immediately remove all inaccurate information related to the fraudulent accounts, send me written confirmation that fraudulent items have been removed and cease reporting these fraudulent items to any third- party entities including creditors and collection agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: PA

Complaint narrative:
This letter is a formal follow-up to my previous correspondence regarding the fraudulent accounts that appeared on my credit report ( see attachment ) due to identity theft. Despite my earlier dispute on XX/XX/year>2025, and in clear violation of the fair credit reporting act ( FCRA ) you have failed to remove the inaccurate information from my credit report. This letter serves as an official reminder that I am a victim of identity theft, and I have NO responsibility for the fraudulent accounts ( referenced attachments ). Despite providing all necessary documentation, including an FTC identity theft Affidavit, your agency has chosen to ignore its legal obligations under the FCRA, which requires you to thoroughly investigate disputed claims and remove any inaccurate information from my credit report. As required under section 611 of the FCRA, you are mandated to immediately remove all inaccurate information related to the fraudulent accounts, send me written confirmation that fraudulent items have been removed and cease reporting these fraudulent items to any third- party entities including creditors and collection agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been trying to remove inaccurate negative items from my credit reports with XXXX XXXX and Equifax. Despite sending multiple dispute letters over the past few months, each bureau continues to report these items as " accurate. '' When I request the method of verification or proof that these items are valid, none of the bureaus have provided proper or adequate documentation as required under the Fair Credit Reporting Act ( FCRA ). 

XXXX of the main items in question is an XXXX XXXX that was stolen and used without my authorization. While the account was originally mine, the charges that followed the theft were not. I filed a police report, which I have attached, and notified each credit bureau during the dispute process. However, the unauthorized charges are still being reported as valid and accurate, despite my documentation. 

Under FCRA Section 1681i ( a ), credit reporting agencies must conduct a reasonable investigation of disputed information and remove any inaccurate or unverifiable information within XXXX XXXX. Under Section 1681e ( b ), they are required to ensure the maximum possible accuracy of the information reported. Additionally, under Section 1681i ( a ) ( 5 ), any information that can not be verified must be deleted. 

All three bureaus have failed to follow these requirements. They continue to report inaccurate and unauthorized information, including the charges from the stolen XXXX XXXX, which has harmed my credit and affected my financial stability. They have not complied with their legal responsibilities and have not provided sufficient evidence to validate the disputed accounts. 

I have attached copies of the police report and all dispute letters I have submitted, which contain detailed information about each inaccurate item. I respectfully request the CFPBs assistance to ensure XXXX XXXX, and Equifax properly reinvestigate these accounts, follow the law, and remove any items that remain inaccurate or unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: CA

Complaint narrative:
I have been trying to remove inaccurate negative items from my credit reports with XXXX XXXX and Equifax. Despite sending multiple dispute letters over the past few months, each bureau continues to report these items as " accurate. '' When I request the method of verification or proof that these items are valid, none of the bureaus have provided proper or adequate documentation as required under the Fair Credit Reporting Act ( FCRA ). 

XXXX of the main items in question is an XXXX XXXX that was stolen and used without my authorization. While the account was originally mine, the charges that followed the theft were not. I filed a police report, which I have attached, and notified each credit bureau during the dispute process. However, the unauthorized charges are still being reported as valid and accurate, despite my documentation. 

Under FCRA Section 1681i ( a ), credit reporting agencies must conduct a reasonable investigation of disputed information and remove any inaccurate or unverifiable information within XXXX XXXX. Under Section 1681e ( b ), they are required to ensure the maximum possible accuracy of the information reported. Additionally, under Section 1681i ( a ) ( 5 ), any information that can not be verified must be deleted. 

All three bureaus have failed to follow these requirements. They continue to report inaccurate and unauthorized information, including the charges from the stolen XXXX XXXX, which has harmed my credit and affected my financial stability. They have not complied with their legal responsibilities and have not provided sufficient evidence to validate the disputed accounts. 

I have attached copies of the police report and all dispute letters I have submitted, which contain detailed information about each inaccurate item. I respectfully request the CFPBs assistance to ensure XXXX XXXX, and Equifax properly reinvestigate these accounts, follow the law, and remove any items that remain inaccurate 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 2025-06-13 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: CA

Complaint narrative:
I have been trying to remove inaccurate negative items from my credit reports with XXXX XXXX and Equifax. Despite sending multiple dispute letters over the past few months, each bureau continues to report these items as " accurate. '' When I request the method of verification or proof that these items are valid, none of the bureaus have provided proper or adequate documentation as required under the Fair Credit Reporting Act ( FCRA ). 

XXXX of the main items in question is an XXXX XXXX that was stolen and used without my authorization. While the account was originally mine, the charges that followed the theft were not. I filed a police report, which I have attached, and notified each credit bureau during the dispute process. However, the unauthorized charges are still being reported as valid and accurate, despite my documentation. 

Under FCRA Section 1681i ( a ), credit reporting agencies must conduct a reasonable investigation of disputed information and remove any inaccurate or unverifiable information within XXXX XXXX. Under Section 1681e ( b ), they are required to ensure the maximum possible accuracy of the information reported. Additionally, under Section 1681i ( a ) ( 5 ), any information that can not be verified must be deleted. 

All three bureaus have failed to follow these requirements. They continue to report inaccurate and unauthorized information, including the charges from the stolen XXXX XXXX, which has harmed my credit and affected my financial stability. They have not complied with their legal responsibilities and have not provided sufficient evidence to validate the disputed accounts. 

I have attached copies of the police report and all dispute letters I have submitted, which contain detailed information about each inaccurate item. I respectfully request the CFPBs assistance to ensure XXXX XXXX, and Equifax properly reinvestigate these accounts, follow the law, and remove any items that remain inaccurate 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 explanation
Consumer complaint received 2025-06-13 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: MO

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. 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 explanation
Consumer complaint received 2025-06-13 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: MO

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. 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 2025-06-13 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: NV

Complaint narrative:
Hello, I am sending this complaint numerous times to inform you that I was a victim of identity theft. I am requesting the removal of the negative items from my file, but it seems like no one cares. I am now requesting again that XXXX, Equifax, and XXXX  Credit Bureaus please remove the fraudulent items according to the law, as you are required to do. Please see the listed items below that need to be removed. 
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 XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To whom it may concern, I am formally contesting any inaccurate or undocumented information found in my credit report, in accordance with the FCRA and the accepted STANDARD of metro 2 data field reporting. The alleged delinquency and inquiries lack factual proof, hence challenging their reportability. I request verifiable evidence for the account 's existence and permissible usage, and if lacking, its removal. Please provide physical documentation of your actions and an updated credit report.

I kindly remind you to ensure the accuracy and correctness of all claims reported, as mandated by the Metro 2 reporting standard. Reporting claims that are known or should be known to be unlawful is inappropriate. I authorize you to send me physical documentation of your actions and an updated credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: RI

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. Ive been trying to understand some instances why the credit bureaus XXXX take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. 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 2025-06-13 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: RI

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. Ive been trying to understand some instances why the credit bureaus XXXX take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief