vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-07 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: NV

Complaint narrative:
Recently, I took the time to carefully review my credit reports, and I was alarmed to discover numerous inaccuracies that do not reflect my actual financial history. I have always prioritized paying my obligations on time, yet the way some accounts are being reported is inconsistent, misleading, and in several cases unverifiable. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and I request a thorough reinvestigation of the following items. 
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  Balance Owed : {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$340.00}

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
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: 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 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2025-10-07 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: CA

Complaint narrative:
Subject : Dispute of Unauthorized Inquiries on Credit Report To Whom It May Concern, According to my most recent credit report, these unauthorized inquiries was conducted. I did not grant any authorization to review my credit report. The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. I request the immediate removal of these unauthorized credit inquiries in my credit report from the three main credit bureaus.

Below are the items which I am disputing : * These inquiries were not authorized. Delete them from my credit report immediately : XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX The presence of these inquiries are adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days.

I request that you respond to my dispute as stipulated by the Fair Credit Reporting Act ( FCRA ) after your complete investigation and inform me of the results within the legally required time frame. I am eager to ensure the accuracy of my credit report as soon as possible. 
Thank you for your prompt attention to this matter. I look forward to a swift resolution.

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 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I am submitting this letter as a formal written dispute regarding inaccurately reported " Late Closed '' accounts on my credit report. The accounts in question contain discrepancies, unverifiable reporting, and inconsistencies that may violate multiple provisions of the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$110.00} Under FCRA 611 ( 15 U.S.C. 1681i ), I have the right to dispute incomplete or inaccurate information and request a reasonable reinvestigation. Additionally, under FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy. Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information they know or should know to be inaccurate.

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 2025-10-07 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: WA

Complaint narrative:
I am submitting this letter as a formal written dispute regarding inaccurately reported " Late Closed '' accounts on my credit report. The accounts in question contain discrepancies, unverifiable reporting, and inconsistencies that may violate multiple provisions of the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$110.00} Under FCRA 611 ( 15 U.S.C. 1681i ), I have the right to dispute incomplete or inaccurate information and request a reasonable reinvestigation. Additionally, under FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy. Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information they know or should know to be inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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:
I am filing this complaint regarding multiple inaccuracies appearing on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). My credit file lists incorrect names, including XXXX XXXX and XXXX XXXX XXXX, which do not belong to me. It also includes inaccurate addresses, such as XXXX XXXX XXXX XXXX, TN XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX XXXX none of which are associated with my verified residence history. Furthermore, a closed account from XXXX  XXXX ( AccoXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is being reported with late payment history despite showing a {$0.00} balance, which is inaccurate and misleading. 

These errors violate FCRA 602 [ 15 U.S.C. 1681 ], which mandates fair and accurate credit reporting, FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], which requires credit bureaus to maintain maximum possible accuracy, and FCRA 611 [ 15 U.S.C. 1681i ], which provides my right to dispute inaccurate information and requires a prompt and reasonable reinvestigation. Additionally, under FCRA 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ], furnishers are prohibited from reporting information they know or have reason to believe is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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:
I am filing this complaint regarding multiple inaccuracies appearing on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). My credit file lists incorrect names, including XXXX XXXX and XXXX XXXX XXXX, which do not belong to me. It also includes inaccurate addresses, such as XXXX XXXX XXXX XXXX, TN XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX XXXX none of which are associated with my verified residence history. Furthermore, a closed account from XXXX  XXXX ( AccoXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is being reported with late payment history despite showing a {$0.00} balance, which is inaccurate and misleading. 

These errors violate FCRA 602 [ 15 U.S.C. 1681 ], which mandates fair and accurate credit reporting, FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], which requires credit bureaus to maintain maximum possible accuracy, and FCRA 611 [ 15 U.S.C. 1681i ], which provides my right to dispute inaccurate information and requires a prompt and reasonable reinvestigation. Additionally, under FCRA 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ], furnishers are prohibited from reporting information they know or have reason to believe is inaccurate.

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 2025-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
This complaint is with chase bank. On XX/XX/year> I deposited a postal money order which I bought myself to the chase atm after opening a new checking account. The next day I got an urgent notice from chase that my accounts are restricted and XXXX be closed soon. I called their fraud department 5 times since then and even after the money order had cleared. After being on hold over XXXX min each call I was finally told that yes its cleared but I need to make both my accounts positive before restrictions are lifted. To that I said I cancelled my last direct deposit since I saw your message which is why my account is negative but it will be positive again in 10 days when I get paid again. She said nothing else except try going to the branch and ask the XXXX to lift restriction so you can get your money. I took time off work to do that and the only thing it accomplished was finding out my accounts are getting closed in 2 days from today. All that time and energy spent. And I have no money to live on for XXXX more days. That {$900.00} would have helped. And now my WiFi got turned off for non payment.and I work from home. That is it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I assert that the incorrect late payment entries on my accounts are in breach of 15 USC 1666. I have consistently paid on time, and any errors in this reporting are not only unfair but also unlawful.

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 2025-10-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
I have identified late payment entries on my credit report that I believe are incorrect. According to 15 USC 1681e ( b ) and 15 USC 1681i, all information on my report must be accurate, complete, and verifiable. I am requesting an investigation into these entries, and if verification is not possible, they should be either corrected or deleted.

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 2025-10-07 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: TN

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 
Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$650.00} Account Name : XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$330.00} Account Name : XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$600.00} Account Name : XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$560.00} INQUIRIES : 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/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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: NJ

Complaint narrative:
As someone who consistently adheres to payment schedules, I was surprised to discover a late payment notation on my account. This appears to be an error, and I would appreciate your prompt attention to rectify it and update my records accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
I am writing to formally express my concerns regarding Chimes handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Chime numerous times and reporting discrepancies, my financial institution and Chime failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Chime has not only neglected to protect consumers but has also allowed repeat offenders to continuously exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: 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 2025-10-07 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: IN

Complaint narrative:
I am writing to formally dispute the accuracy of the information being reported on my credit file regarding the above-referenced account with XXXX XXXX XXXX 
According to my recent credit report, this account is inaccurately reporting late payments ( 30, 60, and 90 days past due ). These derogatory notations are incorrect and do not reflect the true payment history of this account. I have consistently made my payments on time, and therefore, the reporting of delinquencies is inaccurate, misleading, and damaging to my credit profile. 
I request to conduct a full reinvestigation of this account in compliance with the Fair Credit Reporting Act ( FCRA ). Please verify the payment history with XXXX XXXX and remove all inaccurate late payment notations from my credit file. 
The account details in question are as follows : Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Balance : {$200000.00}

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
Consumer complaint received 2025-10-07 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: FL

Complaint narrative:
This is a follow-up complaint regarding Equifax 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Equifax has repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data.

Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Equifax to potential regulatory and civil liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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:
I am not associated with the creditors listed and did not authorize this inquiry. Please remove it from my credit report immediately

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