vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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 DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: IL

Complaint narrative:
I am writing to formally express my current concerns regarding Chimes handling of disputes. In light of CFPB lawsuit highlighting issues with the platform. Despite The fact that I have used Chime on many occasions and reporting discrepancies, my financial institution and Chime failed to adequately investigate my claims. They stated that recovering lost funds were impossible to recover and tracking these transactions were unfeasible. CFPBs findings indicate Chime neglected to protect consumers and have allowed offenders to repeatedly exploit the system leaving users vulnerable to scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: KY

Complaint narrative:
Re : Formal Complaint Against Equifax Concerning XXXX XXXX Credit Card Reporting To Whom It May Concern, I am filing this complaint against Equifax regarding their handling of my dispute concerning a XXXX XXXX Credit Card account appearing on my credit report. 
On XX/XX/year>, I submitted a dispute challenging the following inaccuracies and inconsistencies : Account Number the number being reported is not valid. 
Late Payments the count of late payments is inaccurate. 
Open Date and Close Date the dates are reported incorrectly. 
Balance the balance being reported is inaccurate. 
I also specifically instructed that I do not consent to electronic communications and that all responses must be sent to me via USPS mail only. 
In addition, the account being reported contains no valid account number, no identification of the current creditor or owner, and no indication of whether this account has been sold or transferred. Without this information, there is no way for me to verify or contact the alleged creditor. Reporting an account without showing ownership or assignment makes the data unverifiable under the FCRA and requires immediate deletion. 
Instead of complying, Equifax simply returned a notice stating the 'data was validated ' without providing any supporting evidence or documentation by mail, and without honoring my request for USPS-only communications. This response is both insufficient and unlawful. 
Violations of the FCRA and CFPB Regulations Failure to Provide Proper Verification ( 1681i ( a ) ) Equifax failed to provide the documentation and proof requested to substantiate this account. A mere notation of 'validated ' does not satisfy the law. 
Failure to Correct or Delete Inaccurate Information ( 1681i ( a ) ( 5 ) ) When a consumer disputes inaccurate information, the bureau must delete or correct the item if it can not be verified. Equifax did not provide any verifiable evidence. 
Failure to Complete Reinvestigation Within 30 Days ( 1681i ( a ) ( 1 ) ) The law requires a complete reinvestigation and response within 30 days. More than 30 days have passed, and Equifax has not provided a lawful or complete reinvestigation. 
Failure to Communicate Results by Agreed Method ( 1681i ( a ) ( 6 ) ) By refusing to send dispute results and supporting evidence by USPS mail as I explicitly required Equifax failed to properly notify me of the results of their so-called reinvestigation.

Continuing to Report Inaccurate and Unverified Information ( 1681e ( b ) ) By continuing to publish this inaccurate and unverified account, Equifax is willfully harming my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: MI

Complaint narrative:
I am writing to formally express my concerns regarding Chimes handling of disputes, particularly in the light of the recent CFPB Lawsuit highlighting significant issues with the platform. Despite using Chime numerous times and reporting discrepancies, my financial institution and Chime failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking the transaction was unfeasible. The CFPBs finding indicates that Chime has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system. Leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and rises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-10-07 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: WA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: OH

Complaint narrative:
I am writing too far express my concerns regarding Zelles handling of dispute particularly in light of the recent CFPB lawsuit, highlighting significant issues with the platform, despite using Zelle numerous times and reporting discrepancies my financial institution in Zelle failed to investigate my claims adequately. they informed me. The recovering loss was impossible. And that tracking these transactions.was unfeasible the cfpbs findings indicate that Zelle Not only has Neglected to protect consumers But also has a lot repeated offenders to exploit The system Leaving users, vulnerable to scams the lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Account name APPLE CARD/GS BANK USA Account XXXX XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX Balance O Balance updated - Recent payment Monthly payment - Credit limit O {$1000.00} Highest balance Payment history O XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX / / XXXX CLS XXXX Current / Terms met XXXX XXXX Past due XXXX  days Past due XXXX  days Payment history guide XXXX Past due XXXX  days XXXX Past due XXXX days XXXX Closed XXXX  days past due as of XX/XX/XXXX, XX/XX/XXXX, XXXX  XXXX  XXXX  days past due as of XXXX  XXXX  XXXX  days past due as of XXXX  XXXX  XXXX  days past due as of XX/XX/XXXX Remove this today if not I will file a civil lawsuit case against this credit card company and ask for full compensation and stress compensation also.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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 recently came across the XXXX lawsuit against Experian, which alleges that Experian has repeatedly failed to properly investigate consumer disputes. I want to make it known that I am a victim of the exact same behavior described in that lawsuit. Experians failure to follow the law and conduct a proper investigation has caused me serious harm, including emotional distress, loss of credit opportunities, and ongoing damage to my financial reputation. 

For months, I have been disputing a fraudulent XXXX XXXX XXXX account that does not belong to me. I am a verified XXXX XXXX XXXX XXXX and I have repeatedly provided Experian with notarized documentation, a police/FTC identity theft report, and copies of my XXXX sent through certified mailto prove my case and confirm that I am the one submitting these disputes. 

Despite this, Experian refuses to provide any proof of investigation or documentation from XXXX XXXX XXXX. Each time I dispute, they simply respond that the account was verified or that a third party was involved. This is false and misleading, as I have provided all evidence directly and clearly identifying myself. Experians repeated failure to investigate or provide verification violates my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). 

This has led to continued reporting of a fraudulent account, damaging my credit, creating emotional distress, and preventing me from accessing fair credit opportunities. I should not have to keep reliving this situation because Experian refuses to do what the law requires. 

I am requesting that the CFPB intervene and require Experian to : Immediately delete the Auto Nation Finance account from my credit report ; Provide written confirmation of the deletion ; and Demonstrate compliance with FCRAs investigation and notification requirements. 

I am submitting this statement as a good-faith complaint to have the inaccurate, fraudulent information permanently removed from my Experian file and to hold Experian accountable for their continued negligence and noncompliance.

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 2025-10-07 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:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-10-07 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: MA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXXXXXX XXXX XXXXXXXX ] Account Number : [ 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 2025-10-07 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: VA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
The apartment complex ( XXXX XXXX ) i was renting moved me to a month to month leasing because they said they had system issues during the time that they should have sent me the renewal to sign a new lease, said they were keeping the rent the same amount, but that i was now on month to month leasing meaning that i was no longer under contract to continue staying there. I began the search for a new apartment complex and once that was secure i followed to instructions per what they had in my prior lease and gave them a handwritten letter 60 days in advance that i would be moving out. I removed all my items from the apartment prior to that last day for the 60 days, did a full cleaning of the apartment, and on the last day i returned all keys and the mailbox key and signed a paper stating that i had returned all items and the new address that i was moved to. Without my knowledge they continued to charge me rent for about 5 months after i moved out, and yes all rent before i moved out was current, so without knowledge or contact i was unaware until it was in collections. I went to the complex and attempted talking to the XXXX who said that they couldn't do anything because after a few months all that information and paper work gets moved to storage and they couldn't help me once its gone to collections. I attempted to dispute it on a credit check site, but they are still saying that i'm responsible. I followed all the proper steps that they requested and was not in a lease agreement for any set length of time at the time that i moved out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: NE

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company 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 2025-10-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I urgently seek an account update as my payments have consistently been made on time. The current circumstances are causing me undue stress and worry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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:
I urge you to act swiftly in removing these unauthorized inquiries from my credit report. They are causing significant distress, and I have provided documentation for verification. Please expedite your investigation into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: IL

Complaint narrative:
I am writing to formally dispute certain items on my credit report that I believe may have been compromised as a result of the data breach affecting Experian. As a victim of this breach, my personal and financial information was exposed without my consent, placing me at risk of identity theft and fraudulent activity. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that the information contained in my credit report is accurate, complete, and verifiable. I am requesting that you investigate and promptly delete any and all items that may have been affected by this breach, as they can not be verified as accurate or legitimately associated with me. 
The specific items I am disputing include : Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$1600.00} Account Name : XXXX XXXX  Account Number : XXXX * * * * * * Open Date : XX/XX/XXXX Balance : {$9500.00} Account Name : DEPTOFSOCSRV Account Number : XXXX * * * XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$2100.00} Account Name : XXXX  DIV OF CHILD SUPPOR Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00} INQUIRIES : XXXX XXXX XX/XX/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 XXXXXX/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 2025-10-07 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: TX

Complaint narrative:
I am personally submitting this dispute regarding incorrect delinquency notations that have been reported on my credit file. Upon conducting a detailed analysis of my payment history and account records, I have discovered these inaccurate late payment entries that require immediate correction. Although I sent written correspondence about this issue more than thirty days ago, I have received no reply, and sufficient proof has not been provided to support the validity of these negative marks. I am now requesting your direct intervention to achieve a swift and proper resolution of this credit reporting discrepancy.

Company response to consumer: Closed with non-monetary relief