vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 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: VA

Complaint narrative:
Please update all accounts to paid as agreed, never late. According to the provisions of the Fair Credit Reporting Act these disputed items must be reinvestigated or updated from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. 

In your investigation results please provide the names, addresses and telephone numbers of individuals you contacted during your investigation.

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 2025-05-07 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: PA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-05-07 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: PA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-05-07 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: DE

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 XXXXXXXX XXXX  - XXXX List of Unauthorized Inquiries : 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 seven 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 2025-05-07 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX AND EQUIFAX XXXX BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: IL

Complaint narrative:
XX/XX/year> I was told by XXXX it was not necessary to continue at this time to pay loan as it was in deferment due to federal government and lawsuit. On XX/XX/XXXX my bank reached out to tell me my credit score dropped over XXXX pts. After checking XXXX states I was XXXX days late paying account. Spoke to XXXX, states was overdue, paid in full although charged me interest and still is not off credit report. States hasnt been paid and overdue.

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 2025-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: FL

Complaint narrative:
On XX/XX/XXXX I filed dispute with chime to receive a refund for services I didnt receive from XXXX XXXX and XXXX XXXX XXXX and I was told I would get my funds within ten days it had been well over ten days now my account is overdrawn. Called yesterday XX/XX/XXXX was told I would receive my funds on XX/XX/XXXX before XXXX and still nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally dispute the inaccurate personal information listed on my credit report. Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

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 2025-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: NY

Complaint narrative:
On XX/XX/year> I paid off my XXXX XXXX credit account. The payment cleared on XX/XX/year> and the account is not in use. Experian reported the account as in use and over limit. I called XXXX to confirm the account showed paid in full on their end and there was nothing on hold. After allowing some time for the credit report to update on its own, I finally filed a dispute over the inaccurate information. The dispute was opened on XX/XX/year>. On XX/XX/year> ( after a second billing cycle had closed ) I received an email from Experian stating they had an update on my dispute and it was closed, but they failed to correct their mistake and for a second time they reported the account was in use and over limit, rather than paid in full. On XX/XX/year> I applied for credit with a company I have an excellent credit history with and was denied based on Experian 's misinformation. Both my XXXX  and my XXXX XXXX reflect the correct information and accompanying scores ( XXXX points and XXXX points higher than Experian respectively ). I attempted to contact Experian through their customer service number because there is no email to contact them in writing. Their customer service phone number is manned by some kind of XXXX XXXX phone bot that just repeatedly tells you it is not allowed to transfer you to a " specialist '' and hangs up the call. After XXXX (! ) calls I was finally put through to an actual human ( only after telling them I was calling regarding identity theft ), where I explained the entire situation and they refused to act on it. I was told there was no supervisor to speak to ( but I may get a call back ) and that I could not hold for one. The only option was to file another dispute and wait another thirty days. 

These companies have all of our personal data and weigh in on every aspect of our lives, and yet they have no accountability. They have ZERO customer service when something goes wrong, just a phone number with a chat bot wall. When you lie and finally get an actual human there is no recourse. If I were to apply for credit and agree to a hard pull on my credit, Experian would report it immediately. If I were to go crazy shopping and max out one of my credit cards, Experian would report it immediately. But when Experian gets something wrong, I have to give them thirty days. For something that's one computer button or one phone call away. When I give them that thirty days and they still get it wrong, and I am then denied credit because of it, I have to give them another thirty days and hope they get it right this time???

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 2025-05-07 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: OH

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: MD

Complaint narrative:
I demand the removal of all fraudulent hard inquiries from my credit report within four days of receipt. I request that you manually process my FCRA 605B deletion request and immediately block all fraudulent inquiries, as required by law. Per FCRA 605B, no further validation from creditors is necessary once proper identity theft documentation has been provided. These are the unauthorized inquiries : XXXX XXXX ( XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX )XXXX XXXX XXXX XXXXXX/XX/XXXX ), and XXXX ( XX/XX/XXXX ). Additionally, I request that you provide the specific reason for reporting these inquiries, as outlined by 15U.S. Code 1681b - Permissible Purposes of Consumer Reports. I have attached my FTC Identity Theft Criminal Complaint # XXXX as proof from the Federal Trade Commission confirming these inquiries are fraudulent due to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: MD

Complaint narrative:
I demand the removal of all fraudulent hard inquiries from my credit report within four days of receipt. I request that you manually process my FCRA 605B deletion request and immediately block all fraudulent inquiries, as required by law. Per FCRA 605B, no further validation from creditors is necessary once proper identity theft documentation has been provided. These are the unauthorized inquiries : XXXX XXXX ( XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX )XXXX XXXX XXXX XXXXXX/XX/XXXX ), and XXXX ( XX/XX/XXXX ). Additionally, I request that you provide the specific reason for reporting these inquiries, as outlined by 15U.S. Code 1681b - Permissible Purposes of Consumer Reports. I have attached my FTC Identity Theft Criminal Complaint # XXXX as proof from the Federal Trade Commission confirming these inquiries are fraudulent due to identity theft.

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 2025-05-07 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: MO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: WI

Complaint narrative:
Im reaching out because there are accounts listed on my credit report that are completely inaccurateand I want them removed immediately. Let me be clear : I did not open these accounts, nor did I authorize anyone to open them on my behalf. They are not mine, and they should not be there. This is a serious issue, and Im treating it as such.

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 2025-05-07 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am writing to formally dispute the following unauthorized hard inquiries on my credit report. I did not apply for credit with the listed companies and believe these inquiries were made fraudulently or without my consent. 

Please remove the following inquiries from my file : - XXXX BANK XX/XX/year> - XXXX BANK XXXX XX/XX/year> - XXXX BANK XX/XX/year> - XXXX XXXX XX/XX/year> - XXXX XX/XX/year> - XXXX XXXX XXXXXX/XX/year> As a known victim of the Equifax data breach, I am concerned my personal information may have been misused. In accordance with the Fair Credit Reporting Act ( FCRA ), please investigate and delete these inquiries from my credit report. 
Attached you will find proof of my identity : - Copy of government-issued ID - Proof of residence ( utility bill or bank statement ) - Copy of Social Security card or verification document Please send confirmation once this dispute has been processed and resolved. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: NV

Complaint narrative:
I am writing to formally dispute the following unauthorized hard inquiries on my credit report. I did not apply for credit with the listed companies and believe these inquiries were made fraudulently or without my consent. 

Please remove the following inquiries from my file : - XXXX BANK XX/XX/year> - XXXX BANK XXXX XX/XX/year> - XXXX BANK XX/XX/year> - XXXX XXXX XX/XX/year> - XXXX XX/XX/year> - XXXX XXXX XXXXXX/XX/year> As a known victim of the Equifax data breach, I am concerned my personal information may have been misused. In accordance with the Fair Credit Reporting Act ( FCRA ), please investigate and delete these inquiries from my credit report. 
Attached you will find proof of my identity : - Copy of government-issued ID - Proof of residence ( utility bill or bank statement ) - Copy of Social Security card or verification document Please send confirmation once this dispute has been processed and resolved. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
I have a issue with the loan company with XXXX there bank is bridge crest they always trying tell me to pay litte more and try to get my loan smaller, i have fallen a bit behind due to my pay days shedule and they refuse to coperate with me to change the link with my pay day schedues and attempted to try to get this issue fixed and also to catch up but there always trying to tell me diffrenst and threaten me with reporting my loan t the credit bureau ' early so i feel this is wrong informaton there telling me and also feel there violating credit reporting laws can i can someone to set them the right direction so other people are not going threw this abuse with this bank or loan company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: ND

Complaint narrative:
I submitted a Final Legal Demand Letter to Experian on XX/XX/year>, via certified mail with tracking. Despite receiving it, Experian has failed to correct multiple inaccuracies on my credit report. As of my updated report dated XX/XX/year>, they continue to report : - One incorrect name - Two outdated addresses - Multiple closed/paid derogatory accounts still marked as negative Additionally, Experian 's online dispute portal now shows my dispute results as unavailable, preventing me from verifying their response. This raises compliance concerns under the Fair Credit Reporting Act ( FCRA ), including : - 1681i : Failure to reinvestigate disputed information - 1681e ( b ) : Failure to ensure maximum possible accuracy - 1681g ( c ) ( 2 ) : Failure to provide access to dispute results I am also referencing CFPB Complaint ID # XXXX ( XXXX  ) XXXX as this reflects a broader failure to maintain accurate records across multiple bureaus.

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 2025-05-07 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: GA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: AZ

Complaint narrative:
Consumer Name XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request.

The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report.

I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them.

These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft.

To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, 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