vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 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:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: NC

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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:
This correspondence is intended to formally contest the referenced accounts. I did not authorize them and am not linked to them. I request prompt removal and review. Supporting material is attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: NV

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

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 2025-11-21 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XX/XX/XXXX - XXXX * * * * * * * * * * * * * * XXXX XXXX XX/XX/XXXX - XXX * * * * * * * * * * * * * * XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: CA

Complaint narrative:
An inaccurate late payment was reported on my credit report by this company. I made the payment on time, and I have documentation supporting this fact. Despite my previous disputes and requests for verification, the company has not corrected the information. This constitutes non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am requesting a full reinvestigation and correction of this error without further delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RentDebt Automated Collections, LLC
State: NC

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX-is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: SC

Complaint narrative:
I am writing to file a formal complaint regarding multiple inaccuracies being reported on my credit report. These inaccuracies are causing significant harm to my creditworthiness and are in violation of the Fair Credit Reporting Act ( FCRA ). 

1. Incorrect Addresses Reported The following addresses are appearing on my credit report, and I have no connection or prior residence history at any of them : XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Wrong Address XXXX XXXX XXXX XXXX, KY XXXX Wrong Address These addresses are completely inaccurate. I have never lived at, used, or been associated with these locations in any capacity. I am requesting that these addresses be immediately removed from my credit report and from all associated consumer reporting agencies. 

2. Inaccurate Account Information XXXX XXXX XX/XX/XXXX # XXXX Date Opened : XX/XX/XXXX Original Balance : {$1000.00} Reported Issue : Late Payment This account is being reported with a late payment history, which is entirely false. I have never made a late payment to this creditor. The account payment history is being reported inaccurately and is damaging my credit profile. 
I am requesting a full investigation and immediate correction of this account to reflect an accurate payment history showing no late payments. 

3. Account Verification Request XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$40000.00} I am requesting verification and validation of this account. Please confirm that this account was accurately reported, properly verified, and belongs to me. If the creditor can not provide complete verification documentation as required under the FCRA, the account should be deleted immediately from my credit report. 

Requested Resolution I respectfully request that the CFPB : Investigate the above-mentioned inaccuracies. 

Ensure that the credit reporting agencies remove all wrong addresses from my file. 

Correct the inaccurate late payment entry for XXXX XXXX XX/XX/XXXX. 

Verify or remove the account reported by XX/XX/XXXXt ( XX/XX/XXXX XXXX ). 

Provide a written confirmation of the outcome of this complaint. 

These errors are causing me serious distress and are preventing me from maintaining fair access to credit as protected by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
Fifth Third Bank is reporting an alleged late payment from XX/XX/XXXX that is unverified, inaccurate, and has never been validated. I disputed this late payment directly with Fifth Third Bank MORE THAN 60 DAYS AGO ( in XX/XX/XXXX ), and they have still not responded. They did not provide any documentation, did not investigate the dispute, and did not verify the information as required by law. 

Fifth Third Bank has failed to provide : payment logs due date records account history billing statements internal notes showing a delinquency any proof that a late payment actually occurred Under FCRA 611, if a furnisher does not verify disputed information within the 30-day investigation window, the information must be deleted. It has now been over 60 days with no response from Fifth Third Bank. This means the late payment is legally unverified and should not be on my credit report. 

Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they can not prove is accurate. Fifth Third Bank continues to report a XXXX late payment without any documentation or investigation. This is a violation of both FCRA and the furnisher obligations under 1681s-2 ( b ). 

This inaccurate late payment is harming my livelihood, including my ability to obtain housing, secure credit, and maintain financial stability. Fifth Third Bank has ignored my dispute for more than 60 days, failed to verify the information, and continues to report unverifiable data. 

I am requesting : ( XXXX ) immediate deletion of the XX/XX/XXXX late payment from all credit bureaus, ( XXXX ) written confirmation that Fifth Third Bank did not verify the information within the required timeframe, and ( XXXX ) that the late payment be permanently blocked from future reporting since it remains unverified and unsupported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: VA

Complaint narrative:
I am disputing the following charged-off accounts that appear on my credit report. These accounts contain inaccuracies, including incorrect dates and balances : CHARGED OFF XX/XX/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XX/XX/XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00} XX/XX/XXXX XXXX XX/XX/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8800.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} XX/XX/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} XX/XX/XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX BANK Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} Inquiries XXXX XX/XX/XXXX Date : XX/XX/XXXX XXXX XX/XX/XXXX Date : XX/XX/XXXX XXXX XX/XX/XXXX Date : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Date : XX/XX/XXXX XX/XX/XXXX Date : XX/XX/XXXX XX/XX/XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XX/XX/XXXX Date : XX/XX/XXXX XX/XX/XXXX Date : XX/XX/XXXX XX/XX/XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX CARD Date : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XX/XX/XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-11-21 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: IL

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: NC

Complaint narrative:
Issue : Chime Pay Anyone Scam Enabled by Duplicate Usernames ( Mirror-Tag Fraud ) Complaint : Chime allowed a scammer to impersonate a real Chime user by creating multiple near-duplicate usernames ( mirror tags ). I attempted to send money to a real person with the Chime Tag $ XXXX XXXX XXXX and I , on accident, used a " U '' instead of an " O ''. Chime displayed more than XXXX nearly identical usernames such as : $ XXXX XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX This is a platform design flaw that enables impersonation and financial fraud inside Chimes own system. 

I accidentally selected XXXX of these scam mirror accounts and money was sent instantly, with no ability to reverse, dispute, or freeze the transaction. Chime told me there is nothing they can do because Pay Anyone transfers are irreversible, even when the scam is caused by Chime allowing fraudulent duplicate usernames. 

Chime does not : verify usernames prevent duplicate or confusingly similar usernames offer a dispute process provide consumer protection against impersonation scams This violates reasonable consumer expectations and may constitute an unfair or deceptive practice under the CFPB Act. 

Requested Resolution : I am requesting : XXXX. A full investigation into Chimes Pay Anyone system, specifically the failure to prevent identity impersonation through mirror usernames. 


XXXX. Reimbursement of the funds lost due to this platform-enabled scam. 


XXXX. Written confirmation of corrective actions Chime will take to prevent similar fraud. 



Evidence : Screenshots attached showing the multiple identical XXXX XXXX accounts Chime presents to users.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: TX

Complaint narrative:
I am filing this complaint because Experian is reporting multiple accounts, collections, and inquiries that I believe are inaccurate or unverified. Despite disputing these items with Experian directly, they continue to appear without proper validation. 

CHARGED-OFF / COLLECTION ACCOUNTS XXXX XXXX XXXX XXXX  Acct XXXX XXXX Reported XX/XX/XXXX Balance : XXXX XXXX XXXXXXXX XXXX XXXX Acct XXXX XXXX Reported XX/XX/XXXX Balance : XXXX XXXX XXXX XXXXXXXX Acct XXXX XXXX Reported XX/XX/XXXX Balance : XXXX XXXX XXXX XXXX XXXX  Acct : XXXX Reported XX/XX/XXXX Balance : XXXX XXXX XXXX Acct XXXX XXXX Reported XX/XX/XXXX Balance : XXXX XXXX XXXX, XXXX Acct : XXXX XXXX XXXX XXXX Acct : XXXX Reported XX/XX/XXXX Balance : XXXX XXXX XXXX XXXX Acct ending XXXX XXXX XXXX XXXX Acct ending XXXX XXXX XXXX XXXX Acct ending XXXX XXXX Acct : XXXX Reported XX/XX/XXXX Balance : XXXX XXXX Acct : XXXX Reported XX/XX/XXXX Balance : XXXX XXXX Acct : XXXX Reported XX/XX/XXXX Balance : XXXX XXXX XXXX Acct : XXXX Reported XXXX Balance : XXXX Many of these accounts appear duplicated, inconsistent, or lacking proper detail. Experian has not provided proof of ownership, balance accuracy, or proper reporting. 

INQUIRIES I do not recall authorizing the following hard inquiries and request verification of permissible purpose : XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXXXX/XX/XXXX LATE PAYMENTS FIRST XXXX BANK Acct : XXXXXXXX XXXX XXXX Acct : XXXX XXXXXXXX XXXX XXXX Acct : XXXX XXXX XXXX Acct : XXXX I dispute these late payments because Experian has not provided proper documentation confirming their accuracy. 

I request that Experian fully validate all disputed items or remove them if proper verification can not be provided under the FCRA.

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