vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-05 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: FL

Complaint narrative:
Recently, I did an investigation on my credit and found several items on there to be very inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report - 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.

15 U.S. Code 1681i ( 5 ) Treatment of inaccuracy or unverifiable information ( A ) In General - If, 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. 

Please remove the following items from my credit report immediately : Personal information XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - The personal information is incorrect, please remove this from my credit report immediatly XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Recently, I did an investigation on my credit and found several items on there to be very inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report - 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.

15 U.S. Code 1681i ( 5 ) Treatment of inaccuracy or unverifiable information ( A ) In General - If, 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. 

Please remove the following items from my credit report immediately : Personal information XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - The personal information is incorrect, please remove this from my credit report immediatly XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is reporting multiple derogatory items on my credit report that are inaccurate and unverified. I have formally disputed the information and have not received proper documentation or investigation. 
XXXX XXXX XXXX and XXXX XXXX are both reporting accounts without contract evidence or original billing statements. 
XXXX XXXX is incorrectly reporting late payments. 
Equifax is also showing unauthorized hard inquiries by companies I never applied with ( including XXXX, XXXXXXXX XXXX  and XXXX XXXX XXXX which violate FCRA 604.

Equifax has not complied with FCRA 609 ( a ) or 611, and Im requesting immediate deletion of all disputed accounts and inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 non-monetary relief
Consumer complaint received 2025-06-06 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:
This morning, I found incorrect accounts listed on my credit report and Im completely unsure how they got there. I reviewed my report as I normally do, but this time, unexpected errors appeared. I even refreshed my browser thinking it might be a glitch, but nothing changed. These false accounts remained. Because of this, I kindly request that the documents Ive submitted be thoroughly reviewed so I can have peace of mind moving forward.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX, SS # XXXX, XXXX : XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of inaccurate addresses and phone numbers in XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of inaccurate addresses and inaccurate phone numbers. The correct address that should be reporting on my credit is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. The correct phone number that should be reporting is XXXX I do not recognize the aforementioned addresses or phone numbers as reported.

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 2025-06-06 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: NC

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 2025-06-06 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: NC

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 non-monetary relief
Consumer complaint received 2025-06-05 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: OR

Complaint narrative:
The collection account being reported is beyond my states statute of limitations for legal action. The collector has failed to disclose this, which can mislead consumers into reviving old debt.

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 2025-06-05 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: FL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-06 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
I signed a XXXX  months lease at XXXX ct, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Between XXXX months of the lease, someone always come lay in front my door, XXXX, and smoke in front, i was XXXX month post partum and was scared the most nights, my husband worked XXXX tru XXXX XXXX, i passed my day in the apartments, i started hearing noise next to my room, i said to my husband i was scared, he decided to done with the lease term, we went to the office and aske if we leave what is going to happen? The said we have to pay an amount of {$3400.00} if we want to move in XX/XX/XXXX, we acceped and paid that amount, we left, we ask about the deposit we had they said it's for carpet cleaning, we accepted, we left in XX/XX/XXXX, between XXXX i checked my report and saw {$720.00} debt, i looked where it came from, i see the XXXX XXXX XXXX, a debt that i never know why, how, why i've been charged? I left the XXXX XXXX and everything like they gave us, i passed XXXX days cleaning after me, brought cleaning supply to put everything like i found them. Unfortunately i don't have the copy of the money order but i do have videos of how i left clean behind me, and if you can investigate in at the trails at XXXX XXXX you will see the proof i don't lie

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: NJ

Complaint narrative:
Chime closed my account without telling me. I had {$2500.00} in my account and they closed my account. I put money into the savings and they I transfer money to the checking so I can pay bills. A couple times XXXX  XXXX tried to take out money but it wasnt in checking because they didnt take it out on the day it was supposed to be. But I called chime they refuse to tell me why they closed it and they told me they are sending money back to whoever sent the deposit and I put cash on but wont give that to me they said they are sending it to the State.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is not a mistaken submissionmy credit report contains errors that should not be there and fall short of the required standard of accuracy. These mistakes are actively harming my well-being and financial stability. I urge you to take immediate action to correct or remove these inaccuracies.

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 2025-06-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Nations Info Corp
State: TX

Complaint narrative:
On XXXX XX/XX/year>, XXXX Bank notified me of fraudulent activity on my debit card. The company name is yourscoreandmore.com, a company or service that I did not subscribe to. Their attempt to withdraw money is XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-05 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: NJ

Complaint narrative:
I am writing to issue a formal dispute of the inaccurate and unlawful reporting on my credit report concerning the above-referenced XXXX XXXX Bank account XXXX Specifically, the reporting of a XXXX late payment for XX/XX/year> and a {$19.00} past due balance is factually and legally incorrect. 
My payment is not due until XX/XX/year>, yet your records reflect my account as past due for the entire month of XXXX. This constitutes not only a factual inaccuracy but a clear violation of federal law under : 15 U.S.C. 1666 Billing errors must be corrected promptly, and creditors may not report an amount as delinquent during a pending dispute.

15 U.S.C. 1681i Duty of Experian to reasonably reinvestigate disputed information.

15 U.S.C. 1681e ( b ) Obligation to ensure maximum possible accuracy.

15 U.S.C. 1681s-2 ( a ) Furnishers must not report information they know or have reasonable cause to believe is inaccurate.

Despite prior disputes, this account continues to be reported inaccurately, and your investigation has been grossly inadequate, resulting in ongoing damage to my credit profile. This is a direct violation of my rights, and your continued failure to correct this information constitutes willful noncompliance, which may entitle me to statutory damages under 15 U.S.C. 1681n & 1681o.

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 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: NJ

Complaint narrative:
I am writing to issue a formal dispute of the inaccurate and unlawful reporting on my credit report concerning the above-referenced Self Financial/Lead Bank account XXXX Specifically, the reporting of a XXXX late payment for XX/XX/year> and a {$19.00} past due balance is factually and legally incorrect. 
My payment is not due until XX/XX/year>, yet your records reflect my account as past due for the entire month of XXXX. This constitutes not only a factual inaccuracy but a clear violation of federal law under : XXXX U.S.C. 1666 Billing errors must be corrected promptly, and creditors may not report an amount as delinquent during a pending dispute.

15 U.S.C. 1681i Duty of Experian to reasonably reinvestigate disputed information.

15 U.S.C. 1681e ( b ) Obligation to ensure maximum possible accuracy.

15 U.S.C. 1681s-2 ( a ) Furnishers must not report information they know or have reasonable cause to believe is inaccurate. 
Despite prior disputes, this account continues to be reported inaccurately, and your investigation has been grossly inadequate, resulting in ongoing damage to my credit profile. This is a direct violation of my rights, and your continued failure to correct this information constitutes willful noncompliance, which may entitle me to statutory damages under 15 U.S.C. 1681n & 1681o.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: AZ

Complaint narrative:
I am a victim of identity theft involving the unauthorized use of my personal and financial information. This fraudulent activity has resulted in the appearance of inaccurate and unauthorized information on my consumer report that is injuring me and depriving me of my right to contract

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 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CBC Companies, Inc.
State: RI

Complaint narrative:
XXXX XXXX XX/XX/year> CC : XXXX XXXX To Whom It May Concern, XXXX XXXX XXXX has failed to provide me proper documentation from AmRent of a report with an eviction judgment listed. 

I am writing to formally dispute inaccurate information in my tenant screening report provided by your company. I recently applied for an apartment and was denied based on an alleged eviction judgment. I have never been evicted, nor have I ever received an eviction notice. 

This report is incorrect and appears to be a case of mistaken identity or a clerical error. I am currently renting my first apartment and have never been involved in any eviction proceedings. To support my claim, I have enclosed a letter from my current leasing office confirming my clean rental history. 

Under the Fair Credit Reporting Act ( FCRA ), I request that this error be investigated and removed from my file immediately. Please also send me written confirmation once the investigation is complete and the record is corrected. 

If any additional documentation is needed, I would be happy to provide it. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is not a mistaken submissionmy credit report contains errors that should not be there and fall short of the required standard of accuracy. These mistakes are actively harming my well-being and financial stability. I urge you to take immediate action to correct or remove these inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Hello today 's date is XXXX I have been trying for two days to get access to my Experian account and I have been using their automated phone system and it tells me my account is unfrozen then when I try to do an account recovery on the website it tells me my account is frozen. It has been a never ending cycle. I also tried to talk to anyone from customer service, and can get through to no real people. I've even went as far as to message them on social media platforms and still no response.

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 2025-06-05 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: OR

Complaint narrative:
I am reporting a suspected case of identity theft. The following hard inquiry appeared on my credit report, and I did not initiate any credit application or provide authorization for it.

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 2025-06-06 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: LEXISNEXIS
State: TX

Complaint narrative:
I just recently received and reviewed my credit report and I found several inaccuracies. This is my statement that the listed accounts, inquiries and personal information that is on this FTC report and on the letter enclosed with it have been reported without my permission or written consent and therefore is a result of identity theft and must be removed. They are not related to any transactions made by me the consumer.

Company response to consumer: Closed with explanation