vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-08 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:
Creditor Verification of inaccurate items on my credit report. Credit Report Number : To Whom It May Concern, On ( XX/XX/XXXXXXXX  ), I received my credit report from you, which contained inaccurate information. Specifically, the following items are incorrect : XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: National Credit Systems,Inc.
State: GA

Complaint narrative:
I realize I have damages on my credit report. There are accounts open that I did not authorize. According to law 15 U.S. C 1681 its a defamation to my character. I request that these accounts be closed and removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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:
XXXX : Experian, XXXX, or XXXX XXXX Name : XXXX Previous CFPB Complaint # XXXX Previous Complaint Date : XX/XX/XXXX The reason given by the supervisor for not removing your accounts : We don't remove negative items. 

I am submitting this formal complaint regarding [ CREDIT BUREAU ] 's violations of the Fair Credit Reporting Act ( FCRA ), specifically XXXX and XXXX, due to their failure to address fraudulent accounts on my credit report despite proper notification and submission of required documentation. On [ Insert Date of Initial Complaint ], I disputed several fraudulent accounts and provided [ CREDIT BUREAU ] with all necessary documents, including a valid identity theft affidavit, proof of address, government-issued ID, and evidence linking me to a data breach. However, [ CREDIT BUREAU ] failed to block the disputed items within the XXXX business days required by XXXX and instead " verified '' the accounts without disclosing the sources or evidence of verification, violating XXXXXXXX XXXX mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedent, such as XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX, which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the XXXX XXXX bulletin underscores [ CREDIT BUREAU ] 's failure to uphold consumer protections under the FCRA. 
atter fairly and expeditiously, I request that [ CREDIT BUREAU ] take the following actions : block the fraudulent items from my credit report as mandated by FCRA XXXX ; conduct a comprehensive reinvestigation of all disputed accounts in accordance with FCRA XXXX ; provide detailed documentation of the verification process, including the identity of all furnishers or XXXX-party

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 2025-03-08 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: DE

Complaint narrative:
I am filing a complaint against EXPERIAN and TRANSUNION for failing to properly investigate my disputes regarding inaccuracies and my credit report. Despite my submissions Experian & Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CPFA ) ,12 U.S. Code 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted and the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I have marked as inaccurate, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Block & delete these accounts from my reports.

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 2025-03-08 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: GA

Complaint narrative:
The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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 XXXXXX/XX/year>

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 2025-03-08 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:
The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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 XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: Chime Financial Inc
State: CA

Complaint narrative:
Chime is not following the law when it comes to disputes. On XX/XX/XXXX I disputed an overcharge by XXXX via XXXX. XXXX did not apply my promo and I had an earlier identical purchase and was overcharged by {$13.00} a misdemeanor crime in XXXX, I am entitled to get all of my money back from the merchant the full disputed amount of {$28.00} and can claim XXXX the difference from the merchant per XXXX law business codes and regulations. Chime only returned the {$13.00} and not the full amount, they do this all the time to every customer. I have had other disputes prior where they did the same thing, I also disputed a XXXX XXXX purchase of {$34.00} in 2024 that still has not been resolved after multiple disputes. Chime says no mistake was made but there were several mistakes made. The food was not delivered in a timely manner and was not delivered hot and the food did not look like the picture. Chime acts like a bank but is not one and should not get to operate like one and not be subject to all the same applicable laws. Them overcharge constitutes a misdemeanor crime. If I am not going to get my money back for a bad transaction where I did not get what I agreed to purchase and chime has had my money for almost a year. Chime agents do not speak fluent English and misrepresent my disputes on the intake forms they fill out in broken English that make no sense. I asked for the evidence for the XXXX XXXX dispute denied XXXX times and they have XXXX evidence, none, only the intake forms filled out by their staff misrepresenting the errors made by the staff of XXXX XXXX. My dispute for XXXX XXXX and XXXX  was already approved which means they recognize the errors made they are not providing the correct amounts returned to customers thru the dispute process, they are also still charging the increased fees that XXXX XXXX and the cfpb put limits on to limit garbage fees. This is a class action lawsuit eligible issue. I want my money back from these disputes or I will be closing both of my accounts at my convenience. If chime is not a bank how can they give out credit cards when no credit is being given, they also are not reporting them over {$100.00} available to me as my pay an available credit line. Are these violations of the FCRA also?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: TX

Complaint narrative:
My name is XXXX XXXX, and I am writing to formally dispute the inaccurate information listed on my credit report. In accordance with 1

5 U.S.C. 1681b and 15 U.S.C. 1681c, I did not authorize the reporting or release of my personal information to the companies listed below. This represents a violation of my consumer rights to privacy, as these entities have no legal basis to report anything under my name.

Additionally, I have identified unauthorized inquiries on my credit report that I did not initiate, which constitutes a case of identity theft. Pursuant to 18 U.S.C. 1028, I assert that I do not owe any debt to these entities and demand the immediate deletion of the items and inquiries in question to correct my credit report. 

Please confirm the removal of the disputed entries and provide me with an updated copy of my credit report reflecting these changes. 

Thank you for your prompt attention to this matter.

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 2025-03-08 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:
My name is XXXX XXXX, and I am writing to formally dispute the inaccurate information listed on my credit report. In accordance with 1

5 U.S.C. 1681b and 15 U.S.C. 1681c, I did not authorize the reporting or release of my personal information to the companies listed below. This represents a violation of my consumer rights to privacy, as these entities have no legal basis to report anything under my name.

Additionally, I have identified unauthorized inquiries on my credit report that I did not initiate, which constitutes a case of identity theft. Pursuant to 18 U.S.C. 1028, I assert that I do not owe any debt to these entities and demand the immediate deletion of the items and inquiries in question to correct my credit report. 

Please confirm the removal of the disputed entries and provide me with an updated copy of my credit report reflecting these changes. 

Thank you for your prompt attention to this matter.

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 2025-03-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Lendmark Financial Services
State: VA

Complaint narrative:
This company is reporting that this loan has been charged off however they are still contacting me to collect payment and I have never received a 1099C. This is illegal as they have written it off as a charge off, which they have received payment for and still contacting me for payment. They are still not releasing my title and I have no way to register my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: ACIMA CREDIT, LLC
State: HI

Complaint narrative:
Remove these derogatory items from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This morning, I discovered an unauthorized inquiry on my credit report, and I have no idea why. I check my report regularly, but this time, unexpected discrepancies appeared out of nowhere. I even refreshed my browser, hoping it was just a glitch, but the issue remained. This situation is extremely frustrating, and I need this matter resolved immediately. Please review the documents Ive provided thoroughly so I no longer have to worry about this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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: TX

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

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 2025-03-08 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: Early Warning Services, LLC
State: CA

Complaint narrative:
i did not open this account they keep puting it back and changing the name creditor has violated my rights under section 605b

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: T.S. Holdings
State: TX

Complaint narrative:
I am writing to formally dispute the continued reporting of inaccurate and false information on my credit report. This is my third attempt to resolve this matter, and I demand immediate action in compliance with federal law. 

Pursuant to 15 U.S.C. 6802 ( Financial Privacy Rule ), I hereby exercise my right to privacy and demand that you cease the unauthorized dissemination of my financial information to third parties, including credit reporting agencies, without permissible purpose or my express consent.

Additionally, under 15 U.S.C. 1681b ( Fair Credit Reporting Act Permissible Purposes of Consumer Reports ), you are required to ensure that any reported information is accurate and provided with proper authorization. If you can not verify and provide lawful documentation supporting the validity of this debt, you must immediately remove it from my credit report.

Furthermore, any attempt to knowingly furnish or maintain inaccurate or fraudulent information could be deemed identity fraud under 18 U.S.C. 1028A ( Aggravated Identity Theft ). If you are reporting incorrect or unverified debt information in my name, this constitutes a serious violation of federal law.

I formally requested Form 1099-C along with a document bearing a wet signature that verifies the authenticity of the alleged debt. Additionally, I have provided authorization permitting the disclosure of relevant information, including reporting to credit agencies. If you can not produce these documents, you must immediately cease reporting this invalid debt to the credit bureaus.

Failure to act on this matter may result in legal action, including complaints to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as potential litigation for willful noncompliance with federal statutes.

I expect a written response within 15 days of receipt of this letter, confirming the removal of this erroneous information from my credit report. A copy of this dispute will also be submitted to the credit bureaus. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: GA

Complaint narrative:
The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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 XXXXXX/XX/year>

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 2025-03-08 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: PA

Complaint narrative:
An unauthorized inquiry has appeared on my credit report, and I am completely frustrated because I have no idea why its there. I check my report frequently, and this has never happened before. I even tried refreshing the page, but the issue didnt go away. This needs to be resolved immediately. I am asking you to carefully review the documents I sent so I never have to deal with this kind of unnecessary stress again.

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 2025-03-08 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: CA

Complaint narrative:
Creditor Verification of inaccurate items on my credit report. Credit Report Number : To Whom It May Concern, On ( XX/XX/XXXXXXXX  ), I received my credit report from you, which contained inaccurate information. Specifically, the following items are incorrect : XXXXXXXX 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 2025-03-08 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: WI

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) XXXX XXXX presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exsits. ( please remove these accounts before i seek litigation for defamation of character ) XXXX XXXX balance {$83.00}, XXXX balance {$1200.00}, XXXX  balance {$0.00}.

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