vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Im writing to formally dispute an inaccurate tradeline currently being reported on my credit file. The information being reported is not accurate, and more importantly, it fails to meet the standard of maximum possible accuracy as required by 15 U.S. Code 1681e ( b ) of the Fair Credit Reporting Act.

Let me be clear if a tradeline can not be reported with complete and verifiable accuracy, then you are not legally allowed to report it at all. Right now, the way this account is appearing on my credit report is misleading, harmful, and not reflective of my true credit history. Thats unacceptable, and I will not sit back while my credit profile is being damaged by something that shouldnt even be there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: CT

Complaint narrative:
As per 15usc 1611 Experian XXXX  and XXXX  is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency

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 2025-09-23 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:
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 was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-23 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-09-23 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: 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 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 2025-09-23 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: MD

Complaint narrative:
These accounts were not authorized by me and may be the result of identity theft. I ask for an immediate investigation and removal from my credit file. Supporting paperwork is included.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-23 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: TX

Complaint narrative:
I submitted disputes and then followed up with a complaint to CFPB, asking for incorrect personal information to be removed from my report. This was sent to Equifax, Experian and TransUnion. The complaint was filed on XX/XX/2025 and I have not received a decision or been notified of any results. I have attached a new complaint for failure to correct the information. This has been dragged along way too long. I am attaching the original and new complaints.

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 2025-09-23 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: NV

Complaint narrative:
I am submitting this formal complaint regarding the continued reporting of inaccurate, incomplete, and unverified information by TRANSUNION on multiple accounts. These errors constitute violations of the Fair Credit Reporting Act ( FCRA ), including but not limited to 1681e ( b ), 1681i, and 1681s-2, which require consumer reporting agencies to maintain maximum possible accuracy and to delete unverifiable data upon dispute. These practices also violate Nevada Revised Statutes ( XXXX ), including XXXX, XXXX, XXXX, and XXXX, which prohibit deceptive trade practices and the furnishing of false or misleading credit information. 

The following accounts are in dispute : XXXX XXXX Reported as open mortgage with a balance of {$470000.00} and XXXX late XX/XX/XXXX. This derogatory entry is unsupported and unverifiable. 

XXXX XXXX BANK XXXX XXXX XXXX XXXX open credit card with a balance of {$1000.00} and XXXX late XX/XX/XXXX. This reporting is inaccurate and unsubstantiated. 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX open credit card with multiple XXXX late payments in XXXX and XXXX. These derogatories are excessive, unsupported, and inaccurate. 

XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Reported as collection with a balance of {$2000.00}. This account has not been validated or properly verified. 

XXXXXXXX XXXX  XXXX XXXX Reported as closed mortgage with {$0.00} balance and XXXX late XX/XX/XXXX. Reporting derogatories on a closed account is inaccurate and misleading. 

XXXX XXXX XXXX Reported as closed/charged off with balance {$3500.00}. XXXX status has not been properly verified. 

XXXX XXXX XXXX XXXX Reported as closed auto with multiple XXXX lates in XXXX and XXXX. These lates are unsubstantiated and damaging to my credit profile. 

XXXXXXXX XXXX XXXXXXXX XXXX Reported as closed credit card charged off with balance {$520.00}. This reporting is unverified and inaccurate. 

XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Reported as closed collection with balance {$370.00}. This account has not been validated with proper documentation. 

XXXX XXXX XXXX Reported as closed installment with {$0.00} balance and XXXX late XX/XX/XXXX. This derogatory entry is inaccurate and misleading on an account that shows no active liability. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Reported with balance {$2000.00}. This account is unverifiable and has not been validated in accordance with federal and state requirements.

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 2025-09-23 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-09-23 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: NC

Complaint narrative:
XXXX dont know exacts dates I want to close my account with chime

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc.
State: PA

Complaint narrative:
To Whom It May Concern, I am formally disputing the medical collection account being reported under XXXX XXXX XXXX, Account Number XXXX. This account is severely and unfairly impacting my credit. Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ), I hereby demand the following : Immediate investigation and validation of this alleged debt, including original itemized medical statements, proof of liability, and a signed agreement establishing my responsibility for such charges.

Immediate deletion of this account from all credit reporting agencies XXXX XXXX XXXX XXXX XXXX ) if you are unable to provide complete, verifiable, and accurate documentation within the legally required timeframe. 
Written confirmation of the results of your investigation and any action taken regarding the removal or correction of this account. 
Data Breach Concerns I also want to highlight that in XX/XX/2025, TransUnion suffered a massive data breach impacting over XXXX XXXX consumers, exposing sensitive personal data including Social Security numbers and dates of birth. This breach underscores the risk of identity theft and misuse of personal data and further strengthens the argument that unverifiable, disputed accountsparticularly medical collectionsmust not remain on consumer credit files. 
Given these circumstances, the continued reporting of this unverified medical collection not only violates federal law but also places me at additional risk.

Demand for Action Under the FCRA, unverifiable or inaccurate information must be removed from consumer reports. I expect your full compliance and a written response within 30 days. If you fail to take corrective action, I will be compelled to escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office, and will explore all legal remedies available to me.

I demand immediate removal of this account to avoid further damage to my credit and well-being.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Student loan — Private student loan
Issue: Issue with income share agreement — Dealing with provider of income share agreement
Company: SIMM Associates, Inc.
State: TX

Complaint narrative:
I enrolled in an online school called [ XXXX ] in [ XXXX ]. The school advertised/ implied a job guarantee promising employment after graduation. Based on those representations, I signed an Income Share Agreement ( XXXX ) for {$20000.00}, which I understood would only be due after securing employment. 

I completed the program in [ XXXX ] and complied with all requirements. The school did not provide any job placement or employment opportunities or even assistance in job finding. Despite this, the school is attempting to collect the full {$20000.00} and has sent the alleged debt to a collection agency ( [ SIMM Associates XXXX ] ). 

I believe : The school misrepresented its program and the nature of the XXXX. 
The XXXX functions as a private student loan and should be regulated accordingly. 
I should not be obligated to pay under the terms as advertised. 
The debt collector is attempting to collect without properly validating the debt. 

I am requesting the CFPB to : Investigate the schools and XXXX practices related to ISAs. 
Require the company/collector to provide full documentation of the alleged debt. 
Ensure the collection activity is paused or corrected until this dispute is resolved. 
Assist in correcting my credit report if negative information has been reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: HW Holding, Inc
State: OH

Complaint narrative:
On XX/XX/year>. I sent a certified letter to XXXX XXXX asking this : This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 

XXXX XXXX did not report to the credit bureau for 30 days but they never provided me with any information about this debt. 

The letter was sent certified by XXXX : Tracking # : XXXX Tracking Number : XXXX Copy Add to Informed Delivery Latest Update Your item was delivered to an individual at the address at XXXX am on XX/XX/year> in XXXX, FL XXXX. 

Get More Out of XXXX XXXX : XXXX XXXX Plus Delivered Delivered, Left with XXXX XXXX, FL XXXX XX/XX/year>, XXXX am In Transit to Next Facility XX/XX/year> Arrived at XXXX XXXX XXXX, FL XXXX XX/XX/year>, XXXX am Arrived at XXXX Regional Facility XXXX OH XXXX XXXX XX/XX/year>, XXXX pm Hide Tracking History

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: IL

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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-23 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: IL

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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
So there was a capital one credit card account in my name I had no knowledge about I was maybe XXXX at the time I been contacted capital one they always have me wait long periods of time and I had a credit limit whoever had my card was able to draw money off money that belongs to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: TX

Complaint narrative:
I am contacting you to bring to your attention a serious error within my credit report : the presence of an unauthorized hard inquiry. This entry was placed without my knowledge or consent, and I did not initiate any application that would justify such access to my personal credit data. This type of inaccuracy not only misrepresents my financial behavior but also threatens the integrity of my credit file.

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