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

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make paym
ents, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My Experian credit report was hacked and the criminal was able to change my address, phone number and email address on my credit report! I never received any notice from Experian by phone, email or mail that this had happened. This criminal was able to also open a fake LLC with NY State and then apply for credit with XXXX XXXX  XXXX under this business name using my name and credit to steal over {$7000.00}! I spoke with many different people at Experian but did not receive much help. My first call was on XX/XX/year>. I was able to place a freeze on my account and received a letter that the freeze was in place but there was no PIN number on the letter and I never have received one. I'm not sure how I'm supposed to unfreeze my account when needed without the PIN. I received an updated credit report on XX/XX/year> in the mail which I never requested and was extremely frightening due to identity theft. I was told that I would be contacted when the account was deleted and that I could create a new account. I have never heard from Experian. Unfortunately, I am still unable to login to my account online! I'm worried that anyone could login to my account at any time like before and change my information again. I have no PIN number and the XXXX XXXX XXXX inquiries are still on my credit report. Experian did not protect my account from identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: Experian Information Solutions Inc.
State: AZ

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 2025-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Chime Financial Inc
State: PA

Complaint narrative:
The online bank Chime was running a promotion : Refer a friend and receive {$250.00}. I sent the referral link to a friend within the eligible time frame, and she signed up while the bonus offer was still valid. Everything was completed correctly, but I only received {$100.00} instead of the full {$250.00} bonus. 

When I first called customer service, the representative told me the issue would be resolved by the following week. However, the additional {$150.00} bonus was never credited. I called again and faced the same problem. On my most recent attempt to contact them, my calls were not answered at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filing this complaint because TransUnion is knowingly and willfully reporting inaccurate information, in direct violation of the Fair Credit Reporting Act ( FCRA ). 

Specifically, TransUnion continues to report a XXXX XXXX XXXX account as late/charged-off with a past due balance, even though I paid the account in full on XX/XX/XXXX. I have documentation from XXXX showing the payment was made and the account is satisfied. Despite this, TransUnion still reports it as derogatory with contradictory information ( showing a {$0.00} balance while also stating I am late and charged off ). This is materially false and misleading. 

I previously disputed this account with both XXXX  and TransUnion in XX/XX/XXXX. I attached proof of payment at that time. Instead of correcting the error, TransUnion left the false reporting in place. This demonstrates systemic failure to reasonably investigate, as required by law. 

FCRA Violations Include : 607 ( b ) TransUnion is required to follow reasonable procedures to assure maximum possible accuracy. Reporting an account as past due/charged off after full payment is the opposite of accuracy.

611 ( a ) When I disputed this in XX/XX/XXXX, TransUnion was required to investigate, correct, or delete the item. They failed to do so and instead allowed the false reporting to persist.

611 ( c ) I am entitled to access my updated credit file after a dispute. Instead, TransUnion restricts online access during disputes, effectively hiding errors and forcing delays.

623 ( a ) ( 1 ) TransUnion is knowingly furnishing information that it has reason to know is inaccurate after being provided with proof of payment.

623 ( b ) After receiving my dispute and documentation, TransUnion and the furnisher were obligated to investigate and delete inaccurate information. They did not. 

This is not an isolated issue. In XX/XX/XXXX, TransUnion suffered a major data breach exposing consumer names, Social Security numbers, addresses, and credit information. This breach demonstrates how reckless they are with sensitive personal data. Combined with their refusal to correct blatantly false tradelines even after documentation, TransUnion has proven itself incapable of handling consumer information responsibly or in compliance with federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: PA

Complaint narrative:
I dispute the reported late payments and delinquent status currently listed. These entries are inaccurate based on my payment history and agreements. Please update the status to Paid as Agreed and eliminate any record of delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally request the removal of fraudulent information from my credit file. I am a victim of identity theft, and there are multiple accounts and inquiries listed on my credit report that I did not authorize or apply for. These items are not accurate and do not belong to me.

In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that you block and remove the unauthorized accounts and inquiries from my credit report. Attached to this letter, you will find a list of the disputed items as well as a copy of my Identity Theft Report filed with the Federal Trade Commission. 

Please take the necessary steps to investigate and delete these items from my credit report as soon as possible. I appreciate your prompt attention to this matter and request written confirmation once the corrections have been made.

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 2025-09-09 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: MS

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 2025-09-09 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: MS

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 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-09-09 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: FL

Complaint narrative:
I am writing to dispute inaccurate information that you are furnishing to the credit reporting agencies regarding my account listed above. Under the Fair Credit Reporting Act ( FCRA ), furnishers of information must ensure that all information reported is accurate and complete. 

The following inaccuracies are present in your reporting of this account : 1. Account Closure vs. Ongoing Activity The account is reported as 'closed at creditors request ' in XX/XX/XXXX, yet you continue to furnish ongoing charge-off notations months after closure, which is inaccurate.

2. Impossible Credit Utilization The balance is reported as {$4700.00} against a credit limit of {$4000.00}, resulting in over 100 % utilization, which is not possible.

3. Conflicting Status Update Dates The account shows 'status updated ' as XX/XX/XXXX, but payment history reflects derogatory notations well into XXXX, which is contradictory. 
4. Past Due Reporting After Charge-Off The account is marked as charged off, but also shows a past due amount of {$4700.00}. Once charged off, 'past due ' should no longer continue to accrue. 
5. Last Payment Conflict The last payment is reported as XX/XX/XXXX, yet derogatory reporting continues beyond that date, which misrepresents account activity. 
Because of these inaccuracies, I am requesting that XXXX XXXX XXXX immediately : - Investigate the accuracy of the information being furnished. 
- Correct or delete any inaccurate, incomplete, or unverifiable information. 
- Provide me written confirmation of the results of your investigation. 
otherwise delete this account on my credit report if they can not give accurate report to credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute inaccurate information that you are furnishing to the credit reporting agencies regarding my account listed above. Under the Fair Credit Reporting Act ( FCRA ), furnishers of information must ensure that all information reported is accurate and complete. 

The following inaccuracies are present in your reporting of this account : 1. Account Closure vs. Ongoing Activity The account is reported as 'closed at creditors request ' in XX/XX/XXXX, yet you continue to furnish ongoing charge-off notations months after closure, which is inaccurate. 
2. Impossible Credit Utilization The balance is reported as {$4700.00} against a credit limit of {$4000.00}, resulting in over 100 % utilization, which is not possible. 
3. Conflicting Status Update Dates The account shows 'status updated ' as XX/XX/XXXX, but payment history reflects derogatory notations well into XXXX, which is contradictory. 
4. Past Due Reporting After Charge-Off The account is marked as charged off, but also shows a past due amount of {$4700.00}. Once charged off, 'past due ' should no longer continue to accrue. 
5. Last Payment Conflict The last payment is reported as XX/XX/XXXX, yet derogatory reporting continues beyond that date, which misrepresents account activity. 
Because of these inaccuracies, I am requesting that XXXX  XXXX XXXX immediately : - Investigate the accuracy of the information being furnished. 
- Correct or delete any inaccurate, incomplete, or unverifiable information. 
- Provide me written confirmation of the results of your investigation. 
otherwise delete this account on my credit report if they can not give accurate report to credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: NC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : 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 2025-09-09 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: Experian Information Solutions Inc.
State: NV

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