vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
b'XXXX XXXX XXXX XXXX XXXXXXXXHard inquiries XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXXWrong address XXXXAnd wrong employment'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently obtained a copy of my credit reports from TransUnion, Experian, and Equifax and found multiple pieces of inaccurate and unverifiable personal information in my files. 

These inaccuracies include : - Several misspelled or incorrect variations of my legal name that do not match my government-issued identification. 
- Multiple current and previous addresses that I have never lived at or that are incorrectly listed. 
- Employer names that are either misspelled or completely unrelated to my actual employment history. 
I have provided each credit bureau with valid documentation ( government-issued ID, Social Security card ) proving my correct name, current address, and accurate employment history. These inaccuracies violate the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to maintain maximum possible accuracy in consumer reports.

I sent formal dispute letters requesting a reinvestigation and correction/deletion of this information, but the bureaus have failed to remove all the inaccurate entries within the legally required time frame. These errors may cause harm to my credit profile and could result in file mixing or identity confusion.

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 2025-08-15 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: FL

Complaint narrative:
I have my social security deposited every month, its the only money I have. I went to pay my rent and get medication and I had no money in my account. I called and report it to XXXX XXXX on the XXXX, XXXX, XXXX and today was asked to fax a letter in. They never set fraud investigation up when I called the 1st time, didn't send a new card. And everytime I call I am told somethung different. I am broke, in need of my medication and have to paymy rent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-15 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:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have some unfortunate news. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am seeking guidance, please. I seek the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). As an individual impacted by identity theft, I am entitled to request the removal of any fraudulent information from my credit reports, thank you. This regulation mandates that credit reporting agencies swiftly remove any data that stems from identity theft upon receiving the necessary notification. Kindly ensure deletion occurs within four business days.

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 2025-08-15 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: PA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am a victim of identity theft, as documented in my FTC Identity Theft Report ( attached ). While reviewing my credit reports with TransUnion, Experian, and Equifax, I found multiple accounts that I did not open, authorize, or consent to. These accounts are fraudulent and damaging my credit profile : XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3200.00} balance Listed as Collection/Charge-off. 

XXXX ( XXXXXXXX XXXX XXXX ) Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  {$0.00} {$1300.00} Listed as Collection/Charge-off. 

XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX  {$1000.00} Listed with late payments and inconsistent status ( Closed/Paid/Open across bureaus ). 

XXXX XXXX  Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1700.00} Collection/Charge-off Original Creditor : XXXX XXXX 

XXXX XXXX  Acct # XXXXXXXX XXXX XXXX XXXX {$2200.00} Collection/Charge-off Original Creditor : Credit XXXX Bank N.A XXXX 

XXXX XXXXXXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1900.00} Collection/Charge-off Original Creditor : XXXXXXXX XXXX XXXX 

I have never applied for or authorized these accounts. The reporting contains serious inaccuracies, inconsistent dates/statuses across the three bureaus, and unverifiable data in violation of the Fair Credit Reporting Act ( FCRA ) 602A, 607 ( b ), 609, and 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 2025-08-15 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:
I am a victim of identity theft, as documented in my FTC Identity Theft Report ( attached ). While reviewing my credit reports with TransUnion, Experian, and Equifax, I found multiple accounts that I did not open, authorize, or consent to. These accounts are fraudulent and damaging my credit profile : XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3200.00} balance Listed as Collection/Charge-off. 

XXXX ( XXXXXXXX XXXX XXXX ) Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  {$0.00} {$1300.00} Listed as Collection/Charge-off. 

XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX  {$1000.00} Listed with late payments and inconsistent status ( Closed/Paid/Open across bureaus ). 

XXXX XXXX  Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1700.00} Collection/Charge-off Original Creditor : XXXX XXXX 

XXXX XXXX  Acct # XXXXXXXX XXXX XXXX XXXX {$2200.00} Collection/Charge-off Original Creditor : Credit XXXX Bank N.A XXXX 

XXXX XXXXXXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1900.00} Collection/Charge-off Original Creditor : XXXXXXXX XXXX XXXX 

I have never applied for or authorized these accounts. The reporting contains serious inaccuracies, inconsistent dates/statuses across the three bureaus, and unverifiable data in violation of the Fair Credit Reporting Act ( FCRA ) 602A, 607 ( b ), 609, and 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint because Equifax is reporting multiple inaccurate and unverifiable items on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), which has caused significant harm to my credit standing and financial well-being. Equifax is listing XXXX addresses that are completely incorrect and unrelated to me : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; and XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX. I have never resided at or been associated with any of these addresses. Under FCRA 1681e ( b ), Equifax must follow reasonable procedures to assure maximum possible accuracy of the information in my file, and by keeping these false addresses, they are failing that legal obligation. 

Equifax is also publishing inaccurate derogatory information on several accounts. XXXX XXXX, opened XX/XX/XXXX with a balance of {$0.00}, is reporting a late payment that is false and has never been verified. XXXX XXXX XXXX XXXXXXXX, opened XX/XX/XXXX with a balance of {$0.00}, is also showing a late payment despite being paid and closed for years. XXXX XXXX, opened XX/XX/XXXX with a balance of {$0.00}, contains another unverifiable late payment entry. Equifax is further reporting XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX with a balance of {$21000.00}, as a charge-off. This is inaccurate and unsupported by any valid evidence from the furnisher. By continuing to report these false accounts without legitimate documentation, Equifax is in violation of FCRA 1681i ( a ) for failing to conduct a reasonable reinvestigation and FCRA 1681e ( b ) for not ensuring maximum possible accuracy. 

In addition, Equifax is listing unauthorized inquiries that I did not approve, including XXXX on XX/XX/XXXX and XXXX XXXX XXXX XXXX on XX/XX/XXXX. I never applied for credit or gave consent to these entities to access my credit report. Under FCRA 604 ( a ), a consumer reporting agency may only furnish a consumer report for permissible purposes, and these inquiries do not meet that requirement.

I have disputed these addresses, accounts, and inquiries with Equifax, but they either provided generic responses without actual verification or failed to remove the inaccuracies entirely. Their repeated failures, whether negligent or willful, are actionable under FCRA 616 and 617. As a result of Equifaxs violations, I have suffered credit denials, increased interest rates, and emotional stress. I request that the CFPB compel Equifax to delete all inaccurate addresses, remove all unverifiable late payments and the false charge-off, delete the unauthorized inquiries, and provide me with written confirmation of all corrections as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: AZ

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary 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 2025-08-15 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: NY

Complaint narrative:
I recently reviewed a copy of my credit report, I have fraudulent accounts on my credit report. They are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
SEND LETTER NO RESPONSE NO LETTERS NO NOTHING REQUEST INFORMATION 50 DAYS AGO NO RESPONSE I WAS INCLUDED IN DATA BRENCH AS WELL

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: OK

Complaint narrative:
Chime just closed my account and said my account is under investigation with XXXX  for suspicious activity. I have over XXXX that I can not receive due to a investigation that's absolutely false. That money was gifted from multiple family members and friends to be used so I can buy a camper/RV so I have a place to live because I got kicked out of my apartment. Now all the money in my account is froze and being threatened to be took because chime says my account has been involved in suspicious activity which is false! I need chime to please send me a check in the mail with my funds please. I have not participated in any criminal activity with my chime account. When I call they say that they can't give me any information at all. So I'm just stuck until they wrap up there unnecessary investigation.please help me so I can receive my funds from my account.im really struggling and need to know what I need to do.chime usually sends a check after they close a account. So please send the check to the address on the account.thank you for your time and XXXX Bless

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: CT

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately, I had a few late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates XX/XX/scrub>/2025 I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action. 

SEE ATTACHED.

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 2025-08-15 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: PA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: PA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-15 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: IN

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have some unfortunate news. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am seeking guidance, please. I seek the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). As an individual impacted by identity theft, I am entitled to request the removal of any fraudulent information from my credit reports, thank you. This regulation mandates that credit reporting agencies swiftly remove any data that stems from identity theft upon receiving the necessary notification. Kindly ensure deletion occurs within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: IN

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have some unfortunate news. I have been notified that I am a victim of the XXXX  data breach, which has resulted in the theft of my identity. I am seeking guidance, please. I seek the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). As an individual impacted by identity theft, I am entitled to request the removal of any fraudulent information from my credit reports, thank you. This regulation mandates that credit reporting agencies swiftly remove any data that stems from identity theft upon receiving the necessary notification. Kindly ensure deletion occurs within four business days.

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 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

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