vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are multiple addresses and phone numbers showing up on my credit report. There are also multiple variations of my name listed on my credit report There are also multiple hard credit inquiries on my report for accounts that I do not have.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

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 If these late marks are based on unverifiable or outdated information, the account must be removed under FCRA 611.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 If these late marks are based on unverifiable or outdated information, the account must be removed under FCRA 611.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Chime Financial Inc
State: CA

Complaint narrative:
A Chime debit card was requested using my personal information without my knowledge or consent. This was on XX/XX/year>. I received an email of this activity. Then on XX/XX/year> I received another email that the card is being sent to me. I called Chime to cancel the fraudulently opened account and they said it would be closed if existed but they could not provide more information without this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Student loan was taken out in XXXXXXXX XXXX XXXXXXXX. The loan always showed on time payment. The monthly payments were {$0.00} dollars monthly. My credit score was XXXX for about 2 months. Student loan was removed from credit report for about a month. The loan resurfaced as a new loan opened in XXXXXXXX XXXX XXXXXXXX. It now shows derogatory payments each month even though it shows that the monthly payment is {$0.00} XXXX. I would like this re aging loan removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
I had multiple transactions that was unauthorized charges to my account. i filed a claim and got denied instantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
RE : FINAL DEMAND TO DELETE PREVIOUSLY DISPUTED NEGATIVE ITEMS MULTIPLE COMPANIES To Whom It May Concern, This letter serves as a final and formal demand for the immediate deletion of the following negative entries from my Equifax credit file. All of these accounts have been previously disputed, and Equifax has either failed to verify them properly or continues to report them in clear violation of the Fair Credit Reporting Act ( FCRA ) : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Under FCRA Sections 609 and 611, you are legally obligated to verify any disputed account with full, original documentation from the original creditor. If you can not provide this documentation, the account must be deleted. 

You have already been given the opportunity to investigate these accounts, and any continued reporting of unverifiable or inaccurate information is willful noncompliance with federal law.

If this matter is not resolved within 15 business days, I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Michigan Attorney General Notify each creditor listed above of your failure to comply Pursue civil litigation under 15 U.S.C. 1681n and 1681o for damages caused by your negligent and willful violations I am not requesting I am demanding that these accounts be permanently deleted from my Equifax credit report. I expect an updated copy of my credit report showing these deletions to be mailed to me promptly. 

You are officially on notice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
RE : FINAL DEMAND TO DELETE PREVIOUSLY DISPUTED NEGATIVE ITEMS MULTIPLE COMPANIES To Whom It May Concern, This letter serves as a final and formal demand for the immediate deletion of the following negative entries from my Equifax credit file. All of these accounts have been previously disputed, and Equifax has either failed to verify them properly or continues to report them in clear violation of the Fair Credit Reporting Act ( FCRA ) : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Under FCRA Sections 609 and 611, you are legally obligated to verify any disputed account with full, original documentation from the original creditor. If you can not provide this documentation, the account must be deleted. 

You have already been given the opportunity to investigate these accounts, and any continued reporting of unverifiable or inaccurate information is willful noncompliance with federal law.

If this matter is not resolved within 15 business days, I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Michigan Attorney General Notify each creditor listed above of your failure to comply Pursue civil litigation under 15 U.S.C. 1681n and 1681o for damages caused by your negligent and willful violations I am not requesting I am demanding that these accounts be permanently deleted from my Equifax credit report. I expect an updated copy of my credit report showing these deletions to be mailed to me promptly. 

You are officially on notice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXXXXXX XX/XX/year> -- {$1000.00}

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 explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lendmark Financial Services
State: GA

Complaint narrative:
This account is reporting late payments for the years XXXX, XXXX, and XXXX, even though payments were deferred during the XXXX pandemic and I was covered under the CARES Act protections. In addition to my payments being deferred, the late payment notations for these periods are inaccurate, violate the CARES Act reporting requirements, and misrepresent my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am filing this complaint because Experian has continued to report inaccurate and unverifiable information on my credit file despite my repeated disputes. Several XXXX  accounts are being reported with false late payment entries that I have never incurred. These include account # XXXX opened on XX/XX/XXXX with a balance of {$7400.00}, account # XXXX opened on XX/XX/XXXX with a balance of {$5800.00}, account # XXXX opened on XX/XX/XXXX with a balance of {$6400.00}, account # XXXX opened on XX/XX/XXXX with a balance of {$710.00}, account # XXXX also opened on XX/XX/XXXX with a balance of {$710.00}, and account # XXXX opened on XX/XX/XXXX with a balance of {$4700.00}. In every XXXX of these cases, I have requested proof of the alleged late payments, but neither Experian nor the furnisher has provided any original agreements, payment histories, or documentation that would verify the accuracy of these negative entries. 

Additionally, my credit file contains collection accounts that are inaccurate and unverified. The first is XXXX XXXX XXXX XXXX original creditor : XXXX XXXX at XXXX XXXXXXXX XXXX  ) account # XXXXXXXX XXXX XXXX, opened on XX/XX/XXXX with a balance of {$2500.00}. The second is XXXX XXXX ( original creditor : XXXX ) account # XXXXXXXX XXXX XXXX opened on XX/XX/XXXX with a balance of {$470.00}. I have no contractual relationship with these creditors and have not been provided with any legally sufficient evidence that these debts are mine. 

My report also contains an unauthorized inquiry from XXXX XXXX dated XX/XX/XXXX. I have never applied for credit with this company, and no permissible purpose exists under the Fair Credit Reporting Act for them to access my credit file. 

Furthermore, Experian is reporting addresses that do not belong to me, including XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, NV XXXX, and XXXX XXXX XXXX XXXX, XXXX, UT XXXX XXXX I have never lived at these addresses, and their presence on my file poses a serious risk of file mixing and identity theft. 

I have disputed all of these items multiple times, yet Experian has failed to conduct a reasonable reinvestigation as required under FCRA 1681i, continues to publish unverifiable and inaccurate information, and has not deleted or corrected these entries. This continued reporting is damaging my credit score, harming my creditworthiness, and affecting my ability to obtain fair credit. I am requesting the CFPBs assistance to ensure that Experian permanently deletes all inaccurate, unverifiable, and unauthorized information from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have reviewed my credit file and found the following inquiries that I do not recall authorizing in writing : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/year>, I submitted a written request to XXXX for a review and removal of negative credit reporting related to my federal student loan. The delinquencies were the result of servicing errors, including lack of adequate notice that my loans had entered repayment, and lack of timely communication that could have allowed me to address the issue before it was reported to the credit bureaus. 

I did not receive a confirmation or response from XXXX regarding my XX/XX/XXXX message. The absence of communication has prevented me from resolving the matter directly with the servicer. 

Details : The negative marks on my credit report are not the result of willful nonpayment but due to a breakdown in XXXX servicing process. 
I was under the impression my loans were in good standing and that my income-driven repayment application was active. 
XXXX failed to provide timely notice of repayment status changes and failed to notify me that my application was incomplete or unprocessed. 
By the time I became aware of the delinquency, it had already been reported to credit bureaus. 
I reached out on XX/XX/year>, with a detailed request for removal of the negative marks given these servicing errors, but have received no acknowledgment or follow-up. 

Supporting Documents : Copy of XX/XX/year>, email/letter to XXXX. 
Credit report showing the negative marks in question. 
Any prior communications or applications related to income-driven repayment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
i sent a debt purchase agreement to MIDLAND CREDIT MANAGEMENT XXXX reguarding XXXX collections they have on my credit report mailed on XX/XX/XXXX XXXX i never recieved a response. i have tried disputing through XXXX  and they just close the disputes without hearing my side. i have no knowledge of this debt. i have no agreement with midland credit management hence why they did not respond with the purchase agreement. i believe MIDLAND CREDIT MANAGEMENT XXXX is in voilation of the fair credit reporting act ( FCRA ). I have no other information than what is reported on my credit report since the company does not repsond. These false reports are causing hardship to obtain housing. i want these reports removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I contacted XXXX XXXX  at the end of XXXX to set up a settlement agreement. I got yelled at, and had to file a complaint against them, so at the beginning of the year I got in touch with a XXXX who helped me set up a settlement Payment plan. I paid every payment on time. At some point, the XXXX I was dealing with, XXXX, stopped responding and someone named XXXX XXXX, starts responding in email. He never once called me like XXXX would. He wanted me to start paying more, I explained to him that XXXX about to go on an unpaid maternity leave and XXXX willing to continue with the settlement payment I was already paying but need to keep the payment the same right now. He kept going back and forth on email, and it was starting to become confusing because he initially said no, then he offered a new settlement offer. He told me he would only offer that settlement if I gave up my banking information. Mind you, Ive been paying the previous settlement manually, and on time. I told him I wasnt comfortable giving over my bank account information because I had literally just had to open an entirely new account because my other one had become compromised from a data breach. I asked if I can give a debit card, but I didnt understand why it was necessary to keep my account info on file when I hadnt missed a settlement payment yet. I told him collections was also calling me and to please relay to them that we are discussing payment plans. He told me they wont stop calling until I provide my bank info. I asked if I can do it through a secure portal, because I work from early morning to late at night. Its hard to step away and get on the phone and I wasnt comfortable discussing that with collections when I was discussing payment agreements with a supervisor, and I questioned this as well, why he was making me speak to them if him and I were discussing it? I also asked if I could just make manual payments for now? Because the first payment was going to be setup for XX/XX/XXXX. I then became sick and I was out for a few days. I told him I was sick, XXXX XXXX months pregnant, and I told him couldnt speak right now. Within 2 days credit fresh reported my account as delinquent, and they didnt even report it accurately because I had been in active settlement since the beginning of XXXX. So they intentionally damaged my credit report, but XXXX XXXX never ONCE called me to discuss options, didnt give me a direct line to call him. So now, I dont care. XXXX not entering into settlement if they are going to purposely damage my credit score even after Ive been paying them. I also asked for this settlement agreement in writing ( which was provided previously when I entered into settlement with them ) and he didnt provide that same breakout and told me that it would only be provided once I give my banking information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: WV

Complaint narrative:
I canceled liberty mutual insurance to switch to progressive. This balance is not owed. 
However, we were never contacted about a remaining balance or anything in collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IN

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

Company response to consumer: Closed with non-monetary relief