vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing a formal complaint against Experian, Equifax, and TransUnion for their failure to correct inaccurate and unverifiable information on my credit reports after multiple disputes. 

As a consumer with credit compliance knowledge, I have clearly documented the following issues : XXXX  XXXX ( XXXX & XXXX ) All three CRAs report different delinquency dates and statuses. This inconsistency proves at least one bureau is not reporting accurately, violating FCRA 1681e ( b ). 

XXXX XXXX XXXXXXXX Continues to show 30/60/90-day late payments from XXXX  on Experian and Equifax, despite closure and lack of validation documentation. 

XXXX XXXX Still reports as a charge-off on multiple reports despite being settled in XXXX  and no activity since. Reporting a charge-off beyond resolution date violates 1681c ( a ) ( 4 ). 

XXXX XXXX Experian shows it as a charge-off sold to another lender. TransUnion and Equifax are silent. Continued reporting by Experian is misleading. 

XXXX XXXX Listed as paid/closed, but I dispute the legitimacy of the account due to possible identity error. No verification has been provided. 

Each bureau either failed to verify the information properly or ignored inconsistencies across agencies, violating FCRA 611 and 623. My second dispute letters include legal citations and demands for specific verification documentation, but the CRAs continue to respond with vague status updates like verified or remains. 

I am requesting the CFPB : Require the CRAs to furnish proof of investigation and verification. 

Demand deletion of all unverifiable accounts. 

Enforce penalties for systemic noncompliance. 

I have attached documentation for review, including side-by-side comparison tables and CRA dispute response letters .

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 2025-05-15 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: GA

Complaint narrative:
Equifax has failed to properly investigate the late payments reported by XXXX XXXX on XX/XX/2024, and XX/XX/2024. Both payments were never late nor were the payments ever late 30 days or more. I reached out to the branch to rectify this matter, and to update the account accordingly. However, I was told by a representative at the branch that, the branch had updated their system and they were not able to go back prior to XX/XX/2024. I was then told to file my dispute as a means to resolve the inaccuracy. 

Acct XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: IN

Complaint narrative:
I am writing to report a fraudulent incident involving an employee of Chime. An individual contacted me from the Chime number and prompted me to grant access to all my personal information.They took {$540.00} from my account. The individual claimed to be from Chime, but upon further investigation, it was discovered that this was a scam. They informed me that they would close my account due to their suspicion of scammers attempting to access my information. Chime has denied any error in the transaction.

I believe that the individual involved was an employee of Chime who was working from home. They had access to an excessive amount of my personal information. They utilized a Chime email address to facilitate the money transfer..

The phone number they call me was XXXX ( XXXX ) XXXX when I said I didnt trust them they called me from the chime number to give me a code. like they spoofed the number! The chime number is XXXX ( XXXX ) XXXX when I investigated the number is associated with chime. 
The email was XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: TN

Complaint narrative:
Continuation of my previous complaint. the apple card sent back the proof0 as 1. regular receipts from a tap and go for XXXX which is insufficient because as i said my card was used without my knowledge and they came back with XXXX FOR DIFFERENT PEOPLE case and point XXXX XXXX  who i filed a police report on a few weeks prior. Any random person can take my card and slam it in that pay and go. Secondly. they provided the proof of receipt from XXXX  XXXX  which i already told them was them intimidating and bullying me into signing their papers and that i had been instructed to buy drinks at the bar which i did and already told them on multiple occasions. They presented nothing, no insight, no additional evidence besides the things i told them directly. I did not say i was not there i told them 1 ) my card was used without my knowledge by girls to buy hookah while i just wanted to get my wings and leave that place. 2 ) that i was intimidated to sign a paper against my will and bullied into paying 100s of dollars and a tip for the person who was there to make sure i comply. I have reached out to both companies and they refuse to talk to me and apple card just sends back receipts that i already told them about. THE CHARGES HAPPENED BUT BOTH WERE AGAINST MY WILL OR AUTHORIZATION. ITS BEEN 2 YEARS, why would any one go back and forth to dispute something for 2 years if it was something small and minor. my stories have never changed. they do no research. they did not try and help me get in touch with the company. they did not try to help me resolve anything whatsoever. the worst possible credit card company to partner with and i will cancel my card as soon as humanly possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Report # XXXX - this account states it was charged off, I have not received a 1099,, I also disputed statue of limitations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Im reaching out because there is a credit inquiry on my report that I did not authorize. Let me be absolutely clear : this was an unauthorized and fraudulent use of my identity. 

I never gave permission for this inquiry, I didnt apply for credit with the company that made it, and I had no involvement in whatever triggered it. This is identity fraud, plain and simple, and it should not be sitting on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: NY

Complaint narrative:
I am now requesting proof of the previous investigation on account XXXX XXXX XXXX XXXXXXXX. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update the account to PAID/NEVER Late and send me a copy of my updated credit report. This is for XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
This late payment record is inaccurate, as I have consistently met my payment deadlines. I urge you to correct this mistake as soon as possible and update my account to reflect the correct information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: IL

Complaint narrative:
I'm filing a complaint against Equifax, Experian, and Transunion for an account such as " XXXX XXXX XXXX  '' is falsely reporting on to my credit report. this account as come back as accurate I request method of verification I am requesting the documents that Equifax, Experian, and transunion has on file that determines that this information is 100 % correct. who did you interview? what did they say? what time did you speak? what date? also what number did you call? I would like this in writing within 5 days if you can't provide this remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: IL

Complaint narrative:
I'm filing a complaint against Equifax, Experian, and Transunion for an account such as " XXXX XXXX XXXX  '' is falsely reporting on to my credit report. this account as come back as accurate I request method of verification I am requesting the documents that Equifax, Experian, and transunion has on file that determines that this information is 100 % correct. who did you interview? what did they say? what time did you speak? what date? also what number did you call? I would like this in writing within 5 days if you can't provide this remove this account immediately.

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 2025-05-15 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: OH

Complaint narrative:
Equifax put XXXX XXXX XXXX on my report- taking my score down XXXX XXXX. They were not my collection accounts and were shortly removed for fraud. However, they will not give me any points back for their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
i have a chase checking account, i received a text from a person who offered to help me get started in bitcoin trading. we had a long conversation about this and i explained that i was on XXXX and really didn't have the funds to do this. during our conversation he showed me a picture of his account to show me how well he was doing with this type of investing. so i asked him if he would be interested in helping me fund this to get started and i would reimburse him with interest when i got myself off the ground floor. i said i would give him all my info and that i wasn't going anywhere and appreciated him doing this for me. he agreed and said he would send me a check and then he would show me me how to do this the way he did to make good profits XXXX was very excited to say the least.going forward the check arrived in the amount of {$4500.00} via fed-ex. i deposited the check on XX/XX/XXXX at the chase atm, it said that {$500.00} was available now and it would take a day or 2 for the remaining amount to clear. the next day i logged into my account and saw that the check had cleared and my balance had reflected the change.now ready to invest into trading the person set me up with the info on where to apply my funds to trade. so these transactions were made a little at a time and i could see some profit already being made and was very happy with what this person was teaching me.moving on to the next day i used my account to get some groceries, gas, etc ... and then continued trading as well. then on XX/XX/XXXX i received a text from chase that the check that i deposited was returned 3 days after it was cleared. they went on to say that my account now has a negative balance and that i should immediately add funds to bring it above XXXX. how could i possibly have known that this check would be returned 3 days after it cleared. i went to chase to see why this happened and they explained there's nothing they could or would do to help me.i am completely upside-down now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My personal information such as my social security card and identification card was in a storage unit, that was auctioned off and my identity was stolen and used to open credit cards. I have been attached my identify theft form and would like these accounts deleted.

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
Shellpoint New Rez reported me as providing a deed in lieu of foreclosure. This is false. I paid the loan in full. But they reported falsely to the credit bureaus, and I received an alert form XXXX. I have tried to resolve but they deny any information in their systems that tell me or them why they made the false report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: NJ

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am disputing inaccurate information reported by Experian on my credit report for XXXX XXXX, account number XXXX. Experian is listing a late payment that does not reflect my actual payment history and may be the result of an error or unauthorized reporting. The Fair Credit Reporting Act requires credit bureaus to report only accurate and verifiable information and to investigate consumer disputes promptly. This erroneous information has severely impacted my credit, business, and housing access. Under 15 U.S.C. 1681a ( 4 ), I have the right to control information in my report, and reporting without my consent violates 15 U.S.C. 1681b ( 2 ) and 1681c-2. Failure to correct this error is willful noncompliance under 15 U.S.C. 1681n and 1681o, exposing Experian to statutory damages up to {$1000.00} per violation. I request immediate action to investigate and fix this inaccurate entry.

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist. 



ACCORDING TO 15 UaSC 1681N ( A ) ( 1 ) ANY ACTUAL DAMAGES SUSTAINED BY THE CONSUMER AS A RESULT OF THE FAILURE OR DAMAGES OF NOT LESS THAN {$100.00} AND NOT MORE THAN {$1000.00} ; I WANT ONE THOUSAND PER VIOLATION OR REMOVE 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 non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I pressume 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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
Upon pulling my credit report it indicates that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ran inquiries XXXX XXXX report. Please delete inquiries from my report because I did not authorize these companies to run my credit, this is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
Upon pulling my credit report it indicates that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ran inquiries XXXX XXXX report. Please delete inquiries from my report because I did not authorize these companies to run my credit, this is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In XX/XX/XXXX, I discovered something extremely alarming someone has been using my name to open fraudulent credit inquiries without my knowledge or consent. These inquiries were absolutely not authorized by me at any time, and Im deeply worried because this is clearly a case of identity theft. 
This situation has caused me significant distress, and Im urgently requesting that it be investigated and resolved as quickly as possible. Im asking and expecting that you take immediate action to REMOVE and BLOCK these unauthorized credit inquiries from my credit report. 
The accounts are : XXXXXXXX XXXX XXXX XXXXXXXX - XXXX Loan - Date opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX - Collection - 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 explanation