vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-10 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: FL

Complaint narrative:
The account XXXX with account number XXXX is listed as CLOSED with late payments. 
This is inaccurate and misleading because once an account is closed, no further late payments can occur. If these late marks are based on unverifiable or outdated information, the account must be removed under FCRA 611. 
The account XXXX with account number XXXX is listed as CLOSED with late payments. This is inaccurate and misleading because once an account is closed, no further late payments can occur. If these late marks are based on unverifiable or outdated information, the account must be removed under FCRA 611.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 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: FL

Complaint narrative:
The account XXXX with account number XXXX is listed as CLOSED with late payments. 
This is inaccurate and misleading because once an account is closed, no further late payments can occur. If these late marks are based on unverifiable or outdated information, the account must be removed under FCRA 611. 
The account XXXX with account number XXXX is listed as CLOSED with late payments. This is inaccurate and misleading because once an account is closed, no further late payments can occur. If these late marks are based on unverifiable or outdated information, the account must be removed under FCRA 611.

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 2025-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
i had teft identity not mine please take it off asap

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: NC

Complaint narrative:
I recently pulled my credit report and noticed multiple fraudulent inquiries that I have no knowledge of. These inquiries need to be removed immediately. This is one of many attempts to remove these unauthorized inquiries. Please help me get these take care of immediately XX/XX/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

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 2025-08-09 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: NC

Complaint narrative:
I recently pulled my credit report and noticed multiple fraudulent inquiries that I have no knowledge of. These inquiries need to be removed immediately. This is one of many attempts to remove these unauthorized inquiries. Please help me get these take care of immediately XX/XX/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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: VA

Complaint narrative:
The fraudulent inquires are affecting my ability to obtain credit. Please delete them. I filed an FTC report.

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 2025-08-09 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: VA

Complaint narrative:
The fraudulent inquires are affecting my ability to obtain credit. Please delete them. I filed an FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Acceptance Corporation
State: LA

Complaint narrative:
I am disputing inaccurate and duplicate reporting related to an account originally from World Finance Corporation. The same debt is reported twice on my credit report : once by World Finance Corporation showing a {$0.00} balance and charged-off status, and again by a collection agency reporting an outstanding balance on the same debt. This double reporting is misleading, violates the Fair Credit Reporting Act ( FCRA ), and unfairly damages my credit score. I request immediate correction and deletion of duplicate tradelines. 


XXXX. Duplicate Reporting of the Same Debt World Finance Corporation reports a {$0.00} balance with charge-off status on account number XXXX. 
The same debt is reported separately by a collection agency with an outstanding balance. 
Reporting the same debt twice violates FCRA 1681e ( b ) which requires maximum possible accuracy and prohibits misleading or duplicative information.

2. Inaccurate Status of Original Creditor Account The original creditors account should be marked as paid, transferred, or removed after the debt was sold to the collection agency. 
Keeping a charged-off account with a {$0.00} balance alongside the active collection account creates confusion and misrepresentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: MN

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information : ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following item from my credit report immediately : Account Name : Diversified Adjustment Original Creditor : XXXX Balance : {$6200.00} Date Opened : XX/XX/year> Status : Collection account, {$6200.00} past due as of XX/XX/year> Past Due Amount : {$6200.00} XXXX XXXX XXXX Installment account XXXX late payments ( multiple XXXX lates ) Status : Paid or paying as agreed Comment : Repossession ; redeemed Balance : {$28000.00}. 

XXXX  Overdraft/reserve checking account Charged off as bad debt XXXX : {$200.00} Comment : Canceled by credit grantor. 

XXXX XXXX XXXX account Charged off as bad debt XXXX : {$3300.00} Comment : Profit and loss write-off. 

XXXX XXXX account Settled for less than full balance XXXX : {$0.00}. 


I have uploaded a screenshot the FTC report I have made for these. The report number is 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 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/year> Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX CC : Consumer Financial Protection Bureau XXXX CFPB ) Re : Formal Dispute Fraudulent Account / Identity Theft Account in Question XXXX XXXX XXXX XXXX {$5000.00} To Whom It May Concern, I am writing pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, 1681i, and 1681s-2, as well as the Fair Debt Collection Practices Act ( FDCPA ), to dispute the above-referenced account reporting on my Equifax credit file. 

I recently discovered that my identity was stolen and used to fraudulently obtain credit, utilities, and housing in my name without my knowledge or consent. This includes an apartment lease that resulted in the account reported by XXXX XXXX XXXX. I have filed an FTC Identity Theft Affidavit and reported the theft to law enforcement. 

Based on my research, my personal information was compromised in the Equifax data breach and the XXXX XXXX XXXX breach. I have never had any business relationship with XXXX XXXX XXXX, and I dispute the accuracy, ownership, and legitimacy of this account in its entirety. Furthermore, XXXX XXXX XXXX is not licensed with the XXXX to collect debts in the state of Texas, making their reporting and collection efforts unlawful. 

Under 15 U.S.C. 1681c-2, you are required to block and delete all information related to this fraudulent account within 4 business days of receiving this dispute, my identity theft report, and supporting documentation. Under 15 U.S.C. 1692e of the FDCPA, continued reporting or collection activity on a fraudulent account constitutes a deceptive and unlawful practice. 

I demand that this account be permanently deleted from my credit report and that you provide written confirmation of its removal. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-08-09 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: NC

Complaint narrative:
I recently pulled my credit report and noticed several negative accounts that are reporting inaccurately and without my knowledge. These accounts must be removed immediately. This is one of the many attempts to disputing these erroneous accounts. I am asking for your help to have these corrected or deleted right away. XXXX XXXXXXXX - 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 2025-08-09 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: NC

Complaint narrative:
I recently pulled my credit report and noticed several negative accounts that are reporting inaccurately and without my knowledge. These accounts must be removed immediately. This is one of the many attempts to disputing these erroneous accounts. I am asking for your help to have these corrected or deleted right away. XXXX XXXXXXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 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: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
this is a charged-off account, believe this debt is not owed, either because it was already paid in full to the original creditor, or it's simply an error. this debt ( especially if it was paid or is incorrect ) is being inaccurately reported on your credit report, which is harming your credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
this is a charged-off account, believe this debt is not owed, either because it was already paid in full to the original creditor, or it's simply an error. this debt ( especially if it was paid or is incorrect ) is being inaccurately reported on your credit report, which is harming your credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: MN

Complaint narrative:
On XX/XX/XXXX I got a alert from Chime about charges at target and XXXX were denied and asking if it was me attempting the purchase. I replied no and they asked to call me on the phone number link to my account. I got the call they asked if I attempted to add anyone to my account, I said no. I was told someone had access to my account and I'd have to setup a new virtual account and transfer everything into it. They had me transfer {$2500.00} twice and said I'd get my new account numbers by email. When I didn't receive them within a couple minutes I went to my Chime account and contacted them and they informed me that it was fraud. They asked if I gave them any information. I said no they contacted me and knew my phone number associated with Chime. So we changed my password and they opened a dispute on the charges. Then on XX/XX/XXXX I received a message from the same number posing as Chime asking if I made purchase by phone. So I contacted Chime and told them the same number is contacting me. As they looked into it there was a purchase on XX/XX/XXXX and XXXX so they opened a dispute on those charges too.While on the phone with Chime informing them someone is currently making purchases I received the denial of the first dispute. I asked them how they were denying it while on the phone with them someone was attempting fraud at the same time. So I had them appeal the dispute and reopen the dispute, which they denied again. I told them to reopen it and they told me I needed a police report or new information. So I gave the the case number from XXXX police department in MN.They reopen the 1st dispute again and ended up denying it again. Meanwhile the 2nd dispute was being investigated that was from the same phone number the fraud came from. They credited the money back temporarily pending investigation. So my point was how are they denying fraud from the same number for 2 {$2500.00} transfers but pay the 2 for {$15.00} and {$16.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in Fisher v. Equifax Information Services LLC ( XXXX XXXX XXXX  ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I previously disputed this account with Experian and requested validation under the Fair Credit Reporting Act ( FCRA ). The account was updated before I was able to review the original reporting and then marked as verified without providing any supporting documentation. 

This constitutes a failure to conduct a reasonable investigation under FCRA 1681i. Experian has allowed inaccurate and unverifiable information to remain on my credit report.

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 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
The Bank of America secured credit card account was opened on XX/XX/XXXX, and closed by the creditor on XX/XX/XXXX. The account was paid in full with a XXXX balance as of XX/XX/XXXX. However, my credit reports show inconsistent information regarding the account status. Although the account is closed and paid, there are records of late payments ( 30 days, 60 days ) and a charge-off reported after the account closure date. These negative entries appear to be inaccurate and unfairly damage my credit score. I have not authorized any late payments or charge-offs after the account was closed and fully paid.

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 2025-08-10 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: MI

Complaint narrative:
Experian continues to report an illegal debt on my credit profile. Ive disputed it at least 15 times. They drop my credit score and tell me the investigation proved the debt collection is Accurate. Thats impossible because Ive checked with the courts and I sent all 3 credit agencies proof that the judge did not grant a money judgement. I also sent proof that the balance couldve have been {$7600.00} not {$19000.00} but they continue to tell me the debt is confirmed.

Michigan law states If the right to the occupancy of the land is terminated by the act of the landlord in evicting the tenant, the obligation to pay rent ceases. ... It follows that an action by the landlord can not be maintained for rent after eviction, Michigan law says the landlord has to receive a money judgement. Please remove this illegal action from my credit profile. I dont owe XXXX XXXX XXXX XXXX holding money. 
The law also says you can not write off debt and still collect. So please provide proof that your client did not write off this debt or take a tax deduction, they did not receive any government assistance due to covid-19 for the lost of income during covid.

Ive wrote this letter to National credit system and sent same info to Experian x It is illegal to collect on a closed account. I XXXX XXXX did not agree to settle any debt and I have not agreed that I owe any debt. My information should not have been shared with a 3rd party. Please stop violating my rights. Your negative actions has cause me financial hardship and prevented me from purchasing a home for my children.

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