vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-16 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the 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. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX Date : XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-16 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: PA

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to dispute fraudulent accounts listed on my credit report. These accounts were not opened, authorized, or managed by me and therefore represent false information that does not belong in my financial history. Their inclusion is misleading, harmful, and has caused damage to my credit profile and financial opportunities.

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 2025-09-16 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: IL

Complaint narrative:
I hereby contest the late payment and delinquent status currently reported. Those entries are not accurate, and I request that they be updated to Paid as Agreed and all references to delinquency be erased.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: VA

Complaint narrative:
I am submitting this complaint regarding the inaccurate reporting of a late payment on my Experian credit report dated XX/XX/XXXX. The account in question is : XXXX Credit Card Reported 30-day late in XX/XX/XXXX I dispute the accuracy and validity of this reported late payment for the following reasons : 1. FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Maximum Possible Accuracy Credit bureaus are required to maintain maximum accuracy of consumer reports. I have consistently paid this account, and the alleged late payment is inaccurate, misleading, and does not reflect my payment history.

2. FCRA 611 ( 15 U.S.C. 1681i ) Duty to Reinvestigate I have formally disputed this late payment with the credit bureau. Under the FCRA, they must conduct a reasonable reinvestigation. If the furnisher can not provide full documentation proving that I was actually late ( including billing statements and payment records ), this late entry must be deleted. 

3. FCRA 623 ( a ) ( 1 ) ( A ) Furnishers Duty to Report Accurately The creditor/furnisher may not furnish information that is inaccurate or that can not be verified. If the creditor can not provide verifiable proof of delinquency, then this late payment should not remain on my record.

4. Unfair Damage to Credit Standing This one inaccurate late mark is significantly lowering my FICO Score and affecting my ability to obtain fair credit terms, despite the fact that I have an otherwise strong repayment history across multiple accounts. 

Requested Resolution I respectfully request that the CFPB investigate this matter and require Experian and XXXX to either : Provide certified documentation proving the accuracy of the reported late payment, or Immediately remove this late payment from my credit report as required by the FCRA. 

This erroneous reporting is causing unjust harm to my financial standing and access to credit. 

Please confirm receipt of this complaint and provide updates regarding the progress of 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 explanation
Consumer complaint received 2025-09-16 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: NY

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, all information contained in my credit report must be accurate, complete, and verifiable. The credit reporting agencies and data furnishers are in direct violation of this law by maintaining inaccurate and inconsistent information on my file. The FCRA clearly states that any information that can not be fully verified with proper documentation must be deleted immediately. 

Furthermore, the Fair Debt Collection Practices Act ( FDCPA ) prohibits debt collectors and reporting entities from using or reporting false, inflated, or misleading information. By keeping incorrect data in my credit report, my creditworthiness is being unfairly damaged, which constitutes an unlawful practice. I am demanding a thorough, fair, and prompt investigation as required under the FCRA, and the immediate deletion of all inaccurate or unverifiable items from my file. 
The company has never answered me and whenever I have made a report they have never sent me any information about the debt, that is socially upsetting to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: NY

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, all information contained in my credit report must be accurate, complete, and verifiable. The credit reporting agencies and data furnishers are in direct violation of this law by maintaining inaccurate and inconsistent information on my file. The FCRA clearly states that any information that can not be fully verified with proper documentation must be deleted immediately.

Furthermore, the Fair Debt Collection Practices Act ( FDCPA ) prohibits debt collectors and reporting entities from using or reporting false, inflated, or misleading information. By keeping incorrect data in my credit report, my creditworthiness is being unfairly damaged, which constitutes an unlawful practice. I am demanding a thorough, fair, and prompt investigation as required under the FCRA, and the immediate deletion of all inaccurate or unverifiable items from my file. 
The company has never answered me and whenever I have made a report they have never sent me any information about the debt, that is socially upsetting to me.

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 2025-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BMO BANK NATIONAL ASSOCIATION
State: HI

Complaint narrative:
I applied for a BMO, Bank of Montreal credit card with a promotion of {$200.00} cash back bonus after charging {$1000.00} in purchases in 90 days. 
I also opened a XXXX year XXXX of {$3000.00} with a 5 % interest. 
BMO does not have a branch in Hawaii. Their verification process is tedious and cumbersome. It required a pic ID and a notary on their verification form. On line banking is impossible without first getting verified BMO did not have me undergo any verification process when I opened my BMO credit card nor when they took my {$3000.00} for my CD. 
As of to date I have not received my {$200.00} bonus because according to their CS I have to apply for it. I could not apply for it because I was not verified. Other XXXX co the rewards is automatically issued. 
I requested for my {$3000.00} + interest CD back when it matured. i had no intention of renewing it. BMO has not returned my CD funds because I have not been verified. 
I have been charged fraudulent late fee penalties, when I have paid my credit card bill on time. This late fee has been rolling. 
I have stopped using my credit card once I met the {$1000.00} charges required to qualify for the {$200.00} bonus. 
I have since been verified. 
Customers beware of BMO

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 monetary relief
Consumer complaint received 2025-09-16 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: CA

Complaint narrative:
I am writing to dispute inaccurate personal information currently listed on my credit report. Upon reviewing my report, I found incorrect details under my personal profile, such as outdated or unfamiliar names, addresses, phone numbers, and/or employment history. 
I have not used or been associated with some of the information listed, and the presence of these inaccuracies could result in misidentification, confusion with other individuals, or even potential fraud. I have already submitted requests for correction and provided documents to verify my true and current information, yet the errors remain unresolved. 
These inaccuracies are not only misleading but could also impact future credit decisions. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all personal information in my credit report is accurate and up to date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: FORD MOTOR CREDIT CO.
State: NY

Complaint narrative:
Re : Request for Account Information Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Whom It May Concern I am writing to formally request a complete record of the following information regarding the above-referenced account, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws : 1. Date the account was opened 2. Date the account was closed ( if applicable ) 3. Date the account was sold or transferred ( if applicable ) 4. Date the account was charged-off ( if applicable ) 5. Date of first delinquency reported 6. Date of last payment received 7. Current balance and balance at the time of charge-off ( if applicable )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: MO

Complaint narrative:
I am filing this formal complaint regarding several inaccurate, misleading, and unverifiable items that are currently being reported on my credit file. These errors are damaging my creditworthiness and violating my rights under the Fair Credit Reporting Act ( FCRA ). 

Below are the disputed and inaccurate entries : Wrong Address Listings : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX Incorrect, never resided here. 

XXXX XXXX XXXX, XXXX XXXX, MO XXXX Incorrect, never resided here. 

These addresses are false and must be removed immediately, as they do not belong to me. 

Inaccurate and Harmful Accounts : XXXX XXXX XXXX XXXX ( Acct : XXXX * * ) * * Date Opened : XX/XX/XXXX | High Balance : {$9600.00} Status : Reported as Charge Off. This reporting is inaccurate, and no proper validation has been provided. 

XXXXXXXX XXXX ( Acct : XXXX ) * * Date Opened : XX/XX/XXXX | High Balance : {$220.00} Status : Collection Account. This is unverifiable and appears to be an erroneous or fraudulent entry. 

XXXXXXXX XXXX ( Acct : XXXX * * ) * * Date Opened : XX/XX/XXXX | High Balance : {$6000.00} Status : Charge Off. This account is being misreported and must be verified or deleted. 

Unfamiliar Inquiry XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) Hard inquiry that I did not authorize. This constitutes an FCRA violation and must be removed. 

My Rights Under FCRA : Under 15 U.S.C. 1681i, I have the right to dispute inaccurate or unverifiable information. Credit reporting agencies and furnishers are required to conduct a reasonable investigation and remove or correct inaccurate entries.

Continued reporting of unverifiable, inaccurate, or fraudulent information is a willful violation of federal law and subjects the furnishers and reporting agencies to penalties.

Requested Action : Immediately investigate and remove all wrong addresses.

Delete or correct the above charge-offs, collection accounts, and unauthorized inquiries unless you can provide complete verification with documentation. 

Provide me with written confirmation of the results of 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 2025-09-16 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: TX

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. 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 2025-09-16 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:
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. 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 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: FL

Complaint narrative:
I got scammed on chime while trying to rent a place for my first time I called cops who told me others have called about the place I just paid and got scammed for and that someone lives there its a scam its been months I have a XXXX XXXX XXXX and a XXXX XXXX XXXX I need that money bad

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they 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 2025-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: IL

Complaint narrative:
On XX/XX/year> the company has sent me a letter stating I have unclaimed funds. The next day I received the letter I attempted to login into my XXXX XXXX. I noticed it asked for XXXX of my old phone number from years ago. Then I submitted a ticket to get my information updated on XX/XX/year>. I then get a response asking me to upload a picture of ID with my face and Drivers license with a code they emailed me. I completed this on XX/XX/year>. They responded on XX/XX/year> stating the code them emailed me that I wrote done was wrong and that was a lie. Now they have ignored all communication from me and are withholding funds I am trying to claim. I have read reviews of hundreds of others not getting a response Months later. I am within a XXXX day time frame to claim the funds owed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: GA

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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