vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-13 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$7700.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$870.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: IL

Complaint narrative:
I ask for verification of accounts of a bankruptcy reported on my account and they failed to say how they verified the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
I transferred {$40.00} from my chime account into my stash management bank account on XX/XX/year> at XXXX and I paid a XXXX instant transfer fee. The {$40.00} never got transferred into my external account. XX/XX/XXXX I get notified the the {$40.00} was sent back to my chime account at XXXX. I called chime and they were very on helpful and it took over XXXX for them to direct me to a specialist which then asked me the same questions and filed a dispute. The dispute can take as long as XX/XX/XXXX to be resolved and I don't get to see even a XXXX out of my {$40.00} sent using their services. They had informed me I could receive a {$40.00} credit by XX/XX/XXXX but it's not even certain.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: FL

Complaint narrative:
I disputed this account before and there are still inaccuracies and incomplete information on my credit report. I am requesting the description of procedures and they have XXXX  days to provide it to me or they have to delete the inaccurate accounts i am disputing. Attached is the letter requesting the description of procedures

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
I assert that the false late payment notations on my accounts violate XXXX USC XXXX. I have consistently made my payments on time, and any errors in this reporting are both unfair and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Atlanticus Services Corporation
State: PA

Complaint narrative:
This creditor has charged off this debt for tax purposes and has not sent me a copy of the XXXX filed for this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally demand the immediate deletion of the XXXX XXXX XXXX account that was previously deleted from my Experian credit report but has since been reinserted without written notice within the required five ( 5 ) business days as mandated by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ).

I have disputed this account repeatedly for months, and at no point has Experian produced any physical documentation proving the validity of the account. This reinsertion, without proper notification and without legitimate verification, is a clear and willful violation of the FCRA.

Demand for Full File Disclosure 15 U.S.C. 1681g Pursuant to 15 U.S.C. 1681g, I hereby demand that Experian provide every physical document in your file that was used to verify this account, including : The original signed credit application, The complete contract, Billing statements, Any correspondence between XXXX XXXX XXXX and Experian. 

Electronic name match verification from a furnishers back office is not proof of verification under the FCRA. Verification requires actual, physical, documented evidence linking me to the account. This information must be provided in writing and sent to my address on file, as Experian is required under 15 U.S.C. 1681g to supply all files upon a consumers request. 



Trademark Misuse & Unauthorized Commercial Gain The name associated with my credit file is a registered trademark and may not be used without my express permission. Experian has unlawfully used my trademarked name in commerce by publishing a negative tradeline and receiving payment from the furnisher for its display, in violation of 15 U.S.C. 1114, 1125 ( Lanham Act ). This constitutes unauthorized use of a protected mark, commercial exploitation, and reputational harm, and further evidences collusion and a conflict of interest between Experian and its paying furnishers.

Required Action Given the violations outlined above, I demand that Experian : 1. Permanently delete the XXXX XXXX XXXX account from my credit file. 
2. Provide all physical documentation related to this account in compliance with 15 U.S.C. 1681g. 
3. Cease all unauthorized use of my trademarked name for commercial gain.

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 2025-08-13 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: MD

Complaint narrative:
I am writing to express my deep concern regarding the disputed accounts currently appearing on my credit report. I have raised these inaccuracies multiple times and consistently requested thorough investigations. However, despite my continued efforts, I have not received a resolution or seen any meaningful progress. These erroneous accounts are having a serious impact on my credit standing and are creating significant barriers in my everyday life. The consequences of these reporting errors have caused ongoing hardship, and I am left with no alternative but to urgently seek your assistance in resolving this matter. I respectfully request a comprehensive investigation into each disputed account and that immediate corrective action be taken to update my credit report accordingly. Restoring the accuracy of my credit file is essential to regaining control over my financial future. I urge you to treat this matter with the highest priority and take swift, decisive action. Thank you for your prompt attention and support.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: NJ

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-08-12 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: CA

Complaint narrative:
I filed a dispute with Experian to address several accounts on my report that contain false or unverifiable information. I clearly explained the errors and provided supporting documents, but Experian did not take appropriate action. The disputed accounts remain on my credit report, continuing to cause damage to my credit profile. Experians lack of proper follow-through violates its duty under the Fair Credit Reporting Act ( FCRA ) to ensure reported data is accurate and up to date.

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 2025-08-13 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA XXXX ( XXXX U.S.C. XXXX ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-08-12 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: SC

Complaint narrative:
I am personally disputing the accuracy of my TransUnion credit file as a victim of the XXXX  XXXX  data breach. I have not hired a credit repair company. My file contains unauthorized inquiries, fraudulent accounts, and false addresses. 
Unauthorized Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Fraudulent Accounts : XXXX XXXX XXXX XXXXXXXX ( Identity Theft ). 
Incorrect Personal Information : Previous addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX not mine. 
Immediate removal of all inaccurate and unverifiable data is required.

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 2025-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I filed a complaint here on CFPB three times requesting a payment history, so I can see how payments were applied to my account. The responses have said I was delinquent on my account in XX/XX/XXXX, however, I have evidence from the IRS that my XXXX income tax refund was garnished by XXXX in the amount of {$3200.00} via an XXXX dated XX/XX/XXXX with a XXXX XXXX  number XXXX, directed to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX 

XXXX has failed to apply these funds correctly to my account, which has effectively caused me to pay the same debt twice. And I am still receiving statements showing a balance due. This is a fraudulent request to collect money that has already been paid for stated debt. If I am able to show proof of payment, this company owes me back the additional money taken to collect a debt that has already been satisfied. 

XXXX XXXX, a representative for TSI called to collect the same debt on XX/XX/XXXX ( which should be a copy of the recorded call in your files ). The total negotiated amount of {$3600.00} was said to satisfy both the XXXX XXXX and Take It Home credit cards in full. What happened to the XXXX  that was taken in XX/XX/XXXX? How was that applied on my account? The agreement was an initial payment of {$200.00} and subsequent payments of {$100.00} directly debited on the last day of the month and the XXXX from my XXXX card ending in XXXX. I have proof that I made payments in the amount of {$3700.00} made to TSI between XX/XX/XXXX and XX/XX/XXXX, which to my surprise, was to satisfy the same debt. 

Instead of properly crediting the garnished funds and my negotiated payments, interest has continued to accrue on what is clearly a fully satisfied debt. Additionally, XXXX response to a prior Consumer Financial Protection Bureau ( CFPB ) complaint falsely claimed that I did not uphold my arrangements therefore my account was in collections in XX/XX/XXXX. Why was there a debt when they already garnished my taxes? Why am I not receiving the info i have been requesting regarding how payment was applied and proof debt was satisfied? The only documentation submitted is a screen print showing interest accruing, but does not show how payments were allocated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: IL

Complaint narrative:
I wrote a handwritten letter to Transunion, Equifax, and Experian on Date : On XX/XX/2025, I mailed a formal hand-written dispute letter directly to TransUnion, Equifax, and Experian, by me, along with proof of identity and proof of residence in a federally declared disaster area. My dispute included a request for expedited reinvestigation under FCRA XXXX ( a ) ( XXXX ) ( B ) ( XXXX timeline ) and application of the XXXX disaster code to the affected accounts. 
TransUnion received & signed ( XXXX  XXXX  ) my dispute on XX/XX/2025 ; Equifax received & signed ( XXXX XXXX ) my dispute on XX/XX/2025 ; Experian received & signed ( XXXX XXXX ) my dispute on XX/XX/2025, as confirmed by XXXX priority mail with signature tracking. Under the law, they were required to complete the reinvestigation and respond in writing no later than XX/XX/2025. 
Instead, on or about early XX/XX/XXXX, TransUnion sent me a stall letter claiming my dispute did not appear to come directly from me and suggesting that I was working with a credit repair company. This is false. I am not represented by any XXXX XXXX. I wrote, signed, and mailed the dispute personally. 
By law, the XXXX period expired on XX/XX/2025. TransUnion failed to provide verification within that period, meaning the disputed information is inaccurate, unverifiable, and must be deleted immediately under FCRA XXXX ( a ) ( XXXX ) ( A ). They have not applied the XXXX disaster code as required by XXXX XXXX standards, nor have they provided the method of verification I requested. 
CRA 's actions violate : FCRA XXXX ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy. 
FCRA XXXX ( a ) ( XXXX ) ( B ) : Failure to complete reinvestigation within the required XXXX days for disaster-area consumers. 
FCRA XXXX ( a ) ( XXXX ) ( A ) : Failure to delete information that can not be verified. 
I request the CFPB require TransUnion, Equifax, and Transunion to : Immediately delete all disputed items that were not verified by XX/XX/2025 Apply the XXXX disaster code to the affected accounts. 
Provide written confirmation of deletions and all changes made to my credit file. 
Attachments to CFPB : Original XX/XX/2025 dispute letter XXXX proof of delivery ( XX/XX/2025 ) Copy of TransUnions stall letter Proof of identity & proof of residence in disaster area I found out that Experian was sued by CFPB as well for not conducting investigations in XXXX of this year. Experian uses faulty intake procedures and does not routinely and uncritically accepts the original furnisher 's response to the disputed information.Case XXXX XXXXXXXX

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