vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 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 disputeing the inaccurate and unauthorized information that is being reported on my credit report. These items are causing significant harm to my credit profile and do not reflect my actual financial activity. 
The first concern is a collection account from XXXX ( Original Creditor :XX/XX/XXXX, Account No. XXXX XX/XX/XXXX for a balance of {$5900.00}XX/XX/XXXX. I never authorized this account, and it does not belong to me. Its presence on my credit report is the result of identity theft or reporting error. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I have the right to block or remove information resulting from identity theft, and FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ) requires that all disputed items be thoroughly investigated. I am requesting that this account be immediately removed. 
Additionally, there are multiple inquiries on my report that I did not initiate or authorize. These include : XXXXXX/XX/XXXXXX/XX/XXXX I did not apply for credit with these companies at the listed dates. FCRA 604 ( a ) ( 15 U.S.C. 1681b ( a ) ) requires that inquiries have a permissible purpose, and FCRA 619 ( 15 U.S.C. 1681q ) prohibits obtaining a consumer report under false pretenses. These inquiries are unauthorized and misleading, and they must be removed to reflect an accurate credit history.

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 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-09-10 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: Fidelity National Information Services, Inc. (FNIS)
State: MD

Complaint narrative:
I recently attempted to open new bank accounts, but I was denied. The banks informed me that my information was reported by ChexSystems and/orXX/XX/XXXXXXXX XXXX I then obtained my consumer reports from these agencies, but the reports contained inaccurate or fraudulent information that does not belong to me. 
I am the victim of identity theft or reporting errors. I did not authorize or open the accounts being reported. This false reporting is blocking me from accessing basic banking services and is causing serious financial harm. 
I believe ChexSystems, XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX are violating my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) by failing to maintain accurate information and by reporting information that does not belong to me. 
I am requesting that the Consumer Financial Protection Bureau require these agencies to : Conduct a full reinvestigation of my consumer files. 
Remove all inaccurate, unverifiable, and fraudulent information. 
Provide me with corrected copies of my consumer reports showing deletion of the false information. 
Cease sharing false or fraudulent information with banks and financial institutions that prevents me from opening an account. 
Ensure my personal information is not being improperly sold, shared, or misused without my authorization. 
I demand immediate removal of these false records so I can regain access to essential banking services.

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 2025-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: TN

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am reaching out because I feel helpless and devastated. Chime is closing my account on XX/XX/year>, and this account is my only way to pay bills and manage my life. 

They told me the closure is because I reported my card stolen or lost too many times. I admit I have been clumsy in the past, but several of those reports were real thefts. I never acted dishonestly. Instead of understanding my situation, Chime has treated me like I dont matter. They never give clear answers, they dont let me explain, and theres no real person I can call who will listen. 

I have been through so much recentlymy mother just fought XXXX and won, and now my father is sick. I rely on my Chime account for stability, and losing it now feels like one more blow I cant afford. Ive referred friends and family to Chime, Ive tried to be a loyal customer, and yet I feel punished instead of helped. 

I am only asking for a second chance. Ive learned from my mistakes, and I promised to protect my account better going forward. Instead, Chime has been quick to shut me out without compassion. I believe this is unfair, and I am asking CFPB to please step in and help me. 

Without Chime, I feel like I have nothing. I need my account to survive. Please hear me, because Chime will not. 

Thank you for your time and understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputeing the inaccurate and unauthorized information that is being reported on my credit report. These items are causing significant harm to my credit profile and do not reflect my actual financial activity. 
The first concern is a collection account from XXXX ( Original Creditor :XX/XX/XXXX, Account No. XXXX XX/XX/XXXX for a balance of {$5900.00}XX/XX/XXXX. I never authorized this account, and it does not belong to me. Its presence on my credit report is the result of identity theft or reporting error. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I have the right to block or remove information resulting from identity theft, and FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ) requires that all disputed items be thoroughly investigated. I am requesting that this account be immediately removed. 
Additionally, there are multiple inquiries on my report that I did not initiate or authorize. These include : XXXXXX/XX/XXXXXX/XX/XXXX I did not apply for credit with these companies at the listed dates. FCRA 604 ( a ) ( 15 U.S.C. 1681b ( a ) ) requires that inquiries have a permissible purpose, and FCRA 619 ( 15 U.S.C. 1681q ) prohibits obtaining a consumer report under false pretenses. These inquiries are unauthorized and misleading, and they must be removed to reflect an accurate credit history.

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 2025-09-10 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: GA

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, CHALLENGEDORNOT.

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 2025-09-10 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-09-10 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXX/XX/XXXXXXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-09-10 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: GA

Complaint narrative:
Hello, I am submitting this complaint regarding a late payment reported on a recently opened account that requires correction. 
The account in question is reported as late, but the reporting does not accurately reflect the terms or payment history at the time of opening. I am requesting that the credit reporting agency conduct a thorough investigation and update the account to reflect the correct status in compliance with the FCRA. Please provide written confirmation of the actions taken and an updated credit report reflecting the correction. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: GA

Complaint narrative:
Hello, I am submitting this complaint regarding a late payment reported on a recently opened account that requires correction. 
The account in question is reported as late, but the reporting does not accurately reflect the terms or payment history at the time of opening. I am requesting that the credit reporting agency conduct a thorough investigation and update the account to reflect the correct status in compliance with the FCRA. Please provide written confirmation of the actions taken and an updated credit report reflecting the correction. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 2025-09-10 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: GA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: GA

Complaint narrative:
I disputed the account because I never used their service stated this information to Experiance several times information coming from a 3rd party collection agency this is not my account I have no knowledge of it they are claiming validation but this is not my account

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 2025-09-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: CA

Complaint narrative:
My federal direct student loans are Edfinancial and with I submitted an autopay request on XX/XX/year> and was notified that my request was received. After no further action, I submitted further requests on XX/XX/year> and XX/XX/year>. The same thing happened where I got the enrollment request was received but nothing further. After calling the help line in XXXX, all I got was that there was nothing that could be done and I had to just wait further. I have seen numerous other people on the internet give similar stories and also say their request was never approved. 

I no longer wish to wait further as I have to stress about making the payments manually, and double checking every week to see if I paid the correct amount. Also importantly, XXXX is advertised to save 0.25 % off interest rates according to law, which saves thousands in the long run.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: WI

Complaint narrative:
b'Hard Inquiry & Unauthorized Account Dispute Letter\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   \n\nDate of Birth: XXXX  \n\nSSN (Last 4)XXXX XXXX XXXX XXXX   \n\n \n\nTransUnion  \n\nXXXX XXXX XXXX XXXX XXXX XXXX   \n\n \n\nRe: Dispute of Unauthorized Inquiries and Accounts  \n\n \n\nTo Whom It May Concern,  \n\n \n\nI am writing to formally dispute unauthorized inquiries and accounts being reported on my credit file. These items were placed on my credit report without my knowledge or consent, and therefore violate my rights under the Fair Credit Reporting Act (FCRA).  \n\n \n\nSpecifically, I dispute the following inquiries as unauthorized:  \n\n \n\n- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX (Credit Unions and Finance Companies Other Than Personal Finance Companies) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX (Finance/Personal + Miscellaneous) \n\XXXX XXXX XXXX XXXX XXXX XXXX (Credit Unions and Finance Companies Other Than Personal Finance Companies) \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  \n\n \n\nUnder FCRA  604 (15 U.S.C.  1681b), a consumer reporting agency may only furnish a consumer report if there is a permissible purpose and the consumer has authorized it. I never provided authorization for these entities to access my credit file or open accounts in my name.  \n\n \n\nPursuant to FCRA  611 (15 U.S.C.  1681i), I am requesting an immediate investigation of these unauthorized inquiries and accounts. If your investigation cannot demonstrate that these parties had a permissible purpose with my written consent, you are required by law to remove the inquiries and accounts from my report.  \n\n \n\nAdditionally, please provide the name, address, and contact information of each party that claims to have accessed my credit file, along with documentation that proves my authorization.  \n\n \n\nFailure to correct and remove these inaccuracies may constitute willful or negligent noncompliance under FCRA  616617 (15 U.S.C.  1681n, 1681o), which may result in civil liability.  \n\n \n\nEnclosed are copies of my identification and proof of address to verify my identity.  \n\n \n\nPlease complete this investigation within the 30 days required by law and send me written confirmation of your findings and actions.  \n\n \n\nSincerely,  \n\n \n\n___________________________  XXXX XXXX XXXX  They told me to contact you guys for the inquiry please remove'

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 2025-09-10 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: WA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 2025-09-10 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Despite my ongoing disputes requesting the correction of false or inaccurate information, I have noticed that inaccuracies still remain on my credit report. The issues I have highlighted in my prior dispute letters have not been properly addressed, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and related federal statutes. 
Specifically, your continued reporting of unverifiable or inaccurate information violates : FCRA 1681i ( a ) : Requires reinvestigation of disputed information to ensure accuracy FCRA 1681s-2 ( b ) : Mandates furnishers correct inaccurate, incomplete, or unverifiable information FCRA 1681e ( b ) : Requires maximum possible accuracy in consumer reporting FCRA 1681c-2 : Limits reporting of outdated or inaccurate information FDCPA 15 U.S.C. 16921692p : Prohibits false, misleading, or deceptive debt collection practices FCRA 1681b ( f ) : Restricts impermissible access to consumer reports Furthermore, I am aware of CFPB enforcement actions against credit reporting agencies, highlighting systemic failures to comply with federal requirements for accurate reporting and dispute resolution. The persistence of these inaccuracies on my report is unacceptable. 
As such, I demand the following immediate actions : XXXX. Correct any and all inaccurate, incomplete, or unverifiable information on my credit report XXXX. Provide written confirmation of these corrections along with a full, updated copy of my credit report XXXX. Ensure my rights under the FCRA, FDCPA, and related federal laws are fully protected moving forward If these demands are not met within the legally required timeframe, I will escalate this matter to the CFPB, FTC, and Office of the Attorney General for enforcement action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: GA

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 ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) # XXXX XX/XX/year> -- {$37000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XX/XX/year> -- {$220.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year>

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 2025-09-10 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: WI

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-10 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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