vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-09 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: WI

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: OH

Complaint narrative:
Chime took XXXX $ from me saying it was fraud cause I had got a ppp loan for XXXX and had XXXX left in my account and they garnished my money and didnt give me anything back I called for years to get my money back and they said its nun they can do

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

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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

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 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I found multiple inquiries from companies with which I have never applied for credit or granted permission to access my information. These unauthorized entries are negatively affecting my credit score and raise concerns about potential identity misuse or reporting errors. Despite my efforts to resolve this issue, the problem persists.Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is inaccurate or fraudulent. I am requesting a full investigation to verify the origin and legitimacy of these inquiries.

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 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
1. Experian is constantly reducing my credit score taking into account old out of date data from the Equifax ( XXXX XXXX XXXX  ), and not based on updated to data they already have. 

2. Experian is reducing my credit score due to a vague and unrelated Scoring system policy. And will not provide a specific rrationale for the sudden reduction. 

From the outset, Experian has indicated that the reduction is attributable to information we've previously observed on another credit bureau. When I inquire about the reasons, they typically present me with a variety of explanations for the decrease in your credit score. 

3. Equifax continues to rely on outdated information, stating that my credit card balance is high, which is 100 % incorrect. 

4. My total credit utilization is 20 % or below. So nothing justify Equifax ( XXXX  ) reducing score by XXXX pts. Nor Experian reducing score by XXXX pts, when they already reduced it by XXXX pts previously. 

Experian continue to provide ambiguous.excuses. 

Had Experian been more diligent in obtaining accurate information, they would have noticed my credit limit has risen by {$4500.00}. They refused to consider this fact in their assessment. But instead simply looked to unrelated data to illegally reduce my score. 

5. Note : prior to this reduction of score I locked all my credit bureaus and frozed my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
1. Experian is constantly reducing my credit score taking into account old out of date data from the Equifax ( XXXX XXXX XXXX  ), and not based on updated to data they already have. 

2. Experian is reducing my credit score due to a vague and unrelated Scoring system policy. And will not provide a specific rrationale for the sudden reduction. 

From the outset, Experian has indicated that the reduction is attributable to information we've previously observed on another credit bureau. When I inquire about the reasons, they typically present me with a variety of explanations for the decrease in your credit score. 

3. Equifax continues to rely on outdated information, stating that my credit card balance is high, which is 100 % incorrect. 

4. My total credit utilization is 20 % or below. So nothing justify Equifax ( XXXX  ) reducing score by XXXX pts. Nor Experian reducing score by XXXX pts, when they already reduced it by XXXX pts previously. 

Experian continue to provide ambiguous.excuses. 

Had Experian been more diligent in obtaining accurate information, they would have noticed my credit limit has risen by {$4500.00}. They refused to consider this fact in their assessment. But instead simply looked to unrelated data to illegally reduce my score. 

5. Note : prior to this reduction of score I locked all my credit bureaus and frozed my accounts.

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 2025-10-09 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: TX

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to file a formal complaint regarding multiple unauthorized hard inquiries that have appeared on my credit report. These inquiries were made without my consent or authorization and have directly harmed both my credit and credit score. 

I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed ; however, they still remain. This failure to take corrective action is unacceptable. The continued presence of these potentially fraudulent inquiries is deeply concerning and raises serious concerns about possible identity theft. This unresolved issue has caused ongoing emotional and financial distress.

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 2025-10-09 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: GA

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

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 2025-10-09 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: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history 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 to be 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. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 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 XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

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 2025-10-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alliance Collection Agencies, Inc.
State: NC

Complaint narrative:
On XXXX XXXX, I went to my then Physician 's Office ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ) to weigh myself. I weighed myself and a NON licensed person by the name/initials of XXXX XXXX XXXXXXXX wrote down the weight and I promptly left the facility. I was billed for a physician visit under the title " Nurse Visit '' for the XXXX XXXX weigh. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX filed my XXXX insurance and then billed me a physician visit XXXX co pay under the heading of Nurse visit. XXXX paid the submitted " Nurse Visit '' claim unknowingly without a Nurse working at this facility and without a physician involvement. 
XXXX XXXX XXXX is not listed as a Nurse on the XXXX website. I complained to XXXX XXXX XXXX XXXX XXXX about the fraudulent billing and made them aware that I weighed myself and that a Nurse wasn't involved. In response I was told that a XXXX XXXX Assistant or a XXXX could be billed as a " Nurse Visit ''. A XXXX XXXXXXXX XXXX ( XXXX ) can not legally call themselves a nurse because " nurse '' is a protected title for licensed individuals who have completed specific education and passed national exams. Misrepresenting one 's credentials as a nurse can be considered fraud and is illegal in NC. 
A medical assistant who claims to be a nurse misrepresents their qualifications. Violating this law can result in criminal prosecution and regulatory action, as it's a form of practicing nursing without a license. To my knowledge XXXX XXXX XXXX has not represented herself as a Nurse but her facility does when billing her involvement even minimally, as was the case, as fraudulently billing this encounter as a " Nurse Visit ''. 

Resolution was attempted by calling XXXX XXXX at XXXX XXXX XXXX XXXX XXXX as above and in recent months, they have seen fit to send this request for payment, that is not owed, to Alliance Collection Agencies , Inc . Contact has been made in writing with Alliance to explain that this was not a billable medical visit, only a visit to weigh myself thus it was not a billable visit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: GA

Complaint narrative:
There is a loan amount with XXXX XXXX XXXX  in the amount of XXXX. I have called XXXX XXXX XXXX, NELNET and the department of education about this loan. Noone has any information about this loan, yet it is showing in my loan amount as being disbursed. I don't know what school this loan went to, nor do I know who it belongs to. I have proof that one set of loans should've been discharged from XXXX but that is still showing as consolidated when it is not it should be discharged as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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:
Please act in accordance with 15 U.S. Code 1681g and remove the disputed accounts without delay.

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 2025-10-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
HOW DID THIS HAPPEN BLOCK THESE INQUIRIES IN NO LONGER THEN XXXX HOURS 605B!

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 2025-10-09 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: NJ

Complaint narrative:
I found multiple inquiries from companies with which I have never applied for credit or granted permission to access my information. These unauthorized entries are negatively affecting my credit score and raise concerns about potential identity misuse or reporting errors. Despite my efforts to resolve this issue, the problem persists.Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is inaccurate or fraudulent. I am requesting a full investigation to verify the origin and legitimacy of these inquiries.

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 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
I am filing this complaint because LVNV Funding LLC and its servicer, Resurgent Capital Services, have failed to take appropriate action after receiving my police report and written dispute related to unauthorized charges made by my ex-partner on my Avant account. 

While I did open the original Avant account, multiple unauthorized transactions were made without my knowledge or consent, which I documented in XXXX XXXX  Report # XXXX. These charges were the direct result of abuse and financial control from my ex-partner. 

On XX/XX/year>, I submitted this police report and supporting documents through Resurgents online dispute portal, clearly explaining the unauthorized use. I then called their office and confirmed receipt of my submission on a recorded phone call with their representative. 

Despite this, the company has : Failed to block or remove the fraudulent charges as required under FCRA 605B within four business days ; Failed to provide any written acknowledgment or results of their investigation under FCRA 611 ( a ) ; Continued to report and collect on the account, violating FDCPA 809 ( b ) by not ceasing collection during an active dispute ; Continued to harm my credit reputation, causing distress and retraumatization from the initial abuse. 

As of today ( XX/XX/year> ), the account remains listed as open and in collections, even though the company has had more than XXXX weeks to take action under the FCRAs 4-day removal rule.

Relevant Laws Violated FCRA 605B ( c ) ( 1 ) : Failure to block or remove fraudulent information within 4 business days of receiving an identity theft or unauthorized-use report.

FCRA 611 ( a ) ( 1 ) ( A ) : Failure to conduct a reasonable reinvestigation and provide written results within 30 days.

FDCPA 807 ( 8 ) : Reporting false or disputed credit information without proper disclosure or correction.

FDCPA 809 ( b ) : Continuing collection activity after written dispute and failure to cease pending verification.

Harm Suffered Because of this negligence and willful noncompliance, I have experienced : Ongoing credit harm, including reduced credit score and potential denials. 
Emotional distress and retraumatization, as this situation involves prior XXXX XXXX 
Time, effort, and emotional burden of repeatedly disputing and calling to confirm receipt of my police report.

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation