vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-03 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: IA

Complaint narrative:
I am filing this complaint against Equifax for failure to properly respond to my student loan dispute and for continuing to report a fraudulent or unverifiable account that other credit reporting agencies have already removed. 

Background : After submitting multiple dispute letters and identity theft documentation, Equifax successfully deleted several inaccurate and duplicative student loan accounts from my credit report. However, one account ( Account # : XXXX ) remains unjustifiably listed despite being : Not verifiable, Potentially linked to identity theft ( due to my exposure in the XXXX Equifax data breach ), and Already removed by both XXXX XXXX XXXX 

The continued presence of this account is damaging my ability to qualify for a mortgage and is in direct contradiction to the reporting actions of the other XXXX credit bureaus. 

Violations of Federal Law : FCRA 611 ( 15 U.S.C. 1681i ) : Equifax must conduct a reinvestigation and delete unverified information. 

FCRA 607 ( b ) : Requires Equifax to maintain reasonable procedures for maximum possible accuracy.

FCRA 623 ( b ) : If the data furnisher can not verify the account, Equifax must delete it.

FCRA 605B : As a victim of the XXXX Equifax data breach, I am entitled to have fraudulent or disputed information blocked within four business days of my notice.

Request : I am demanding that Equifax immediately delete account # XXXX from my credit file.

I request that the CFPB investigate this matter and enforce Equifaxs legal obligations to ensure parity across all CRAs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: NC

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( XXXX ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( XXXX ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soon as possible : XXXX XXXX * * * * Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX * * * * Balance : {$300.00} Date Opened : XX/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 non-monetary relief
Consumer complaint received 2025-05-03 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: CA

Complaint narrative:
XXXX XXXX XXXX XX/XX/year> Balance XXXX I disputed it with TransUnion, Equafax & Experian XXXX XXXX XXXX XX/XX/year> Balance XXXX Disputed it with TransUnion, Equafax & Experian XXXX XXXXXXXX XX/XX/year> Balance XXXX Disputed it with TransUnion, Equafax & Experian According to Law 15 U.S.C 1692 ( C ) YOU have violated my rights do to unlawful communications please remove these collections off of my credit report. Thank you

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 2025-05-03 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: CA

Complaint narrative:
XXXX XXXX XXXX XX/XX/year> Balance XXXX I disputed it with TransUnion, Equafax & Experian XXXX XXXX XXXX XX/XX/year> Balance XXXX Disputed it with TransUnion, Equafax & Experian XXXX XXXXXXXX XX/XX/year> Balance XXXX Disputed it with TransUnion, Equafax & Experian According to Law 15 U.S.C 1692 ( C ) YOU have violated my rights do to unlawful communications please remove these collections off of my credit report. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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: CT

Complaint narrative:
The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 

In accordance with the fair credit reporting act you violated the united states code law ( Tila 15 U.S. Code 1666 ( b ) billing error ) 15 U.S.C.1681 section 602 A, States I have the right to privacy.

15 U.S.C 1681 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 agencia may make any consumer report containing any of the following item of information : any other adverse tems of information, other han records of convictions and crimes which antedates the report by 7 years.

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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: CT

Complaint narrative:
The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 

In accordance with the fair credit reporting act you violated the united states code law ( Tila 15 U.S. Code 1666 ( b ) billing error ) 15 U.S.C.1681 section 602 A, States I have the right to privacy.

15 U.S.C 1681 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 agencia may make any consumer report containing any of the following item of information : any other adverse tems of information, other han records of convictions and crimes which antedates the report by 7 years.

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.

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 2025-05-03 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: PA

Complaint narrative:
TransUnion, this is your final chance. I have submitted evidence to all three credit bureaus. I want you to know I was alerted about a class action lawsuit against you, being held in my city. You will see the document attached along with my sign-up. Rest assured, if I have to, I will testify at the hearing for improper use of my report, including reporting incorrect inquiries and mishandling my report by unfreezing it without notice, as evident in my prior complaints. I have no issue attending that hearing and testifying on behalf of the class. 

If Equifax and Experian don't get their act together and remove these reports and accounts, I will speak to the attorney and the person who began the class action. I will see if there's anyone involved in that class action who's had similar issues with Experian and Equifax. At this time, I demand you remove the accounts that I have put in my FTC reports and sent to all three bureaus. As well as my original dispute via certified mail, along with loads of evidence from my prior CFPB complaints, showing legitimate fraud. 

As of today, XXXX has TransUnion reporting three collections accounts. I want you to know I have sent cease and desist letters to every single collection agency that has contacted me due to harassing behavior. Be extremely careful. I highly recommend you listen to what I'm saying because this is all genuine fraud. Afterpay confirmed fraud.The cards previously provided to you, were linked to XXXX XXXX XXXX Because of confirmed fraud by XXXX, It immediately triggered an email sent to XXXX by the CFPB. At this period in time, you are playing with fire. I will be able to get you to the right. Dont sit here snd think this isnt evidence, or I click respond, and it goes away. No, the CFPB does look, and build cases.

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 2025-05-03 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: IL

Complaint narrative:
The items listed below are reported on my personal credit file and were found in my reports with credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX : {$590.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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: IL

Complaint narrative:
The items listed below are reported on my personal credit file and were found in my reports with credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX : {$590.00}

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 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Failing to comply with the requirements of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and for potentially engaging in unfair and deceptive practices in violation of the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ). 
I have disputed the accuracy of the following accounts on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts are inaccurately reported, and I have made three separate disputes, most recently within the past few months. In each dispute, I provided supporting documentation including dispute letters, a copy of my government-issued ID, and a copy of my credit report with the inaccurate entries clearly identified. 
Despite this, has repeatedly responded often within 24 hours stating the accounts have been " verified as accurate '' without offering any explanation or evidence of a thorough or reasonable reinvestigation. This raises serious concerns about whether is meeting its obligations under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires consumer reporting agencies to conduct a proper reinvestigation of disputed information. 
Furthermore, practice of issuing what appear to be automated denials without investigating or addressing submitted evidence may constitute : * An unfair practice under the CFPA by causing significant consumer harm without proper justification, and * A deceptive practice, by misleading me into believing my disputes were meaningfully reviewed. 
These concerns are consistent with recent findings by the CFPB in administrative actions involving similar conduct by consumer reporting agencies. 
I am requesting that the CFPB take the following actions : Ensure the removal or correction of any information found to be inaccurate as a result.

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 2025-05-03 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, XXXX  XXXX TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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.

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 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Failing to comply with the requirements of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and for potentially engaging in unfair and deceptive practices in violation of the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ). 
I have disputed the accuracy of the following accounts on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts are inaccurately reported, and I have made three separate disputes, most recently within the past few months. In each dispute, I provided supporting documentation including dispute letters, a copy of my government-issued ID, and a copy of my credit report with the inaccurate entries clearly identified. 
Despite this, has repeatedly responded often within 24 hours stating the accounts have been " verified as accurate '' without offering any explanation or evidence of a thorough or reasonable reinvestigation. This raises serious concerns about whether is meeting its obligations under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires consumer reporting agencies to conduct a proper reinvestigation of disputed information. 
Furthermore, practice of issuing what appear to be automated denials without investigating or addressing submitted evidence may constitute : * An unfair practice under the CFPA by causing significant consumer harm without proper justification, and * A deceptive practice, by misleading me into believing my disputes were meaningfully reviewed. 
These concerns are consistent with recent findings by the CFPB in administrative actions involving similar conduct by consumer reporting agencies. 
I am requesting that the CFPB take the following actions : Ensure the removal or correction of any information found to be inaccurate as a result.

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 2025-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I accidentally signed up for a payment plan on one of my purchases. The purchase was significant, over {$5000.00}. I had already signed up for two plans previously that had 0 % interest and no other fees, so I assumed it was the same and clicked too soon to realize it was not. There was no way to backtrack or immediately cancel. So I called support right away. 

The Support representative told me that there was no way to cancel. I live in California I have a a minimum of a 24-hour right too cancel any contract with a financial institution. She told me that the only way for me to " get out of it '' was to pay the full balance the next month. I was shocked ; however, I did the following month. 

They did not cancel the plan. In fact, they continue to charge me {$70.00} a month as a fee, with an interest amount totaling nearly {$1700.00}!. This includes even when I have paid the full balance after that at times. In fact, that the month after, not only did I pay the full amount as she told me I needed to do, I paid MORE. 

Because the fee name was so close to the original merchant 's name, I didn't realize what it was until I contacted the merchant who said they had no idea what it was either. They had made no charges. So I called customer service again and was told there was no way they could cancel it on their side. She said that even though I had paid the balance, I apparently needed to pay the full interest amount! I think this is not only completely unethical but questionable in its legality. 

I asked for it to be escalated. I am concerned about my consumer protection in this case and that we will not be resolved promptly or at all with the company. I can assure you that with both of my phone calls, it was clear to them that even the representative spelt this was unfair, and that they had been dealing with this with many other people.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: MD

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 2025-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Chime Financial Inc
State: TX

Complaint narrative:
Chime Finance needs to be investigated for below items that are absolutey unacceptable : 1 ) Chime checking accounts on my name were opened and in open areas in XXXX people are selling them for {$50.00} a piece. I am attaching a screenshot of my information and screenshot of one account that is on my name and these are being sold and distributed by a so called 'distributor '.

2 ) All scammers and online phishing people encountered are owning an account in Chime Finance. I am also attaching similar cases i have encountered first hand 3 ) Moneys disappear into other chime accounts and are still operational till date and scamming other people and robbing of their hard earned money.

4 ) Their representatives and supervisors talk to us like we are the filth of the world.

5 ) Their dispute team has NEVER called nor validated any information and they contradict their own actions one after the other.

6 ) same claims and 1 is approved and many are declined. absolutely no difference in the claim.

We have emailed AG of Texas, Federal trade commission and other people also regarding chime illegal practices.

PLEASE HELP US STOP CHIME IN SELLING OR HARBORING CRIMINALS AND THEIR ACCOUNTS AT CHIME. CHIME DEFENDS THEM. NO LEADERSHIP HAS COME UP FRONT AND RESOLVED ANY ISSUE EVER AND NEVER SPOKE OR CONTACTED THE VICTIMS.

Company response to consumer: Closed with explanation