vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 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: EQUIFAX, INC.
State: IL

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 2025-11-05 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to dispute the following accounts that have been inaccurately reported. I request an investigation into the following items under the Fair Credit Reporting Act ( FCRA ) : Charged Off Accounts : XXXX, XXXX, XX/XX/XXXX, {$2800.00} XXXX XXXXXXXX, XXXX, XX/XX/XXXX, {$3600.00} XXXXXXXX XXXX XXXXXXXX, XXXX, XX/XX/XXXX, {$11000.00} Inquiries : None listed for Equifax. 

Positive Accounts : None listed for Equifax. 

Late Payments : XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I am disputing the following charged-off accounts that are incorrectly reported on my Equifax credit report : Charged Off Accounts : XXXX, Account Number : XXXX, Date Opened : XX/XX/year>, Balance : {$89.00} XX/XX/XXXX, Account Number : XXXX, Date Opened : XX/XX/year>, Balance : {$210.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: GA

Complaint narrative:
I am writing you about the compromising of my social security number due to the XXXX  Data breach or the recent Transunion Data breach. I believe I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX. The information listed below, which appears on my credit report, does not relate to any inquires I have ever made. It is the result of identity theft. 
1. The inquiry was not authorized XXXX XXXX XX/XX/XXXX 2. The inquiry was not authorized XXXX XXXX XX/XX/XXXX 3. The inquiry was not authorized XXXX XXXX XX/XX/XXXX 4. The inquiry was not authorized XXXX XXXX XX/XX/XXXX 5. The inquiry was not authorized XXXX XX/XX/XXXX 6. The inquiry was not authorized 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 non-monetary relief
Consumer complaint received 2025-11-05 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: MA

Complaint narrative:
Act promptly to comply with the law by deleting disputed 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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: VA

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: AL

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 explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: OH

Complaint narrative:
Issue Type : Money was taken from my account under fraudulent pretense Company : Chime Financial , Inc.

Product : Checking account Problem Description : I am filing a complaint against Chime Financial for denying a valid fraud dispute. Unauthorized transactions occurred on my account totaling {$740.00} on XX/XX/year>. I reported the fraud promptly, that day and within minutes of it happening, and provided them all of the information I had on the perpetrator of the scam. I did not authorize the charges as the perpetrator of the scam was operating under the guise of being a fraud representative of Chime. When I contacted Chime to follow-up with my initial dispute over the course of the next few days I was told, on a recorded line, this is a scam that Chime is in fact aware of and their management is looking into ways to prevent this from happening, but I was not the first person to report this to them. The companies listed are not even valid companies as I myself contacted one of them and was told there is no such charge from them and that the charge would not appear the way it does if it was in fact a charge that was transacted through them. I also reiterated this to Chime on my second round of disputes with them. Chime not only allowed my entire account to be drained, they also authorized XXXX in overdraft charges to be put through. This is totally unacceptable to hold me liable for not only my stolen funds but also the excess funds that they allowed to be fraudulently charged. 
Chime has denied my dispute without a clear explanation other than to state they believe the charges are valid, which they clearly are NOT. I believe this violates protections under Regulation E, which guarantees reimbursement for unauthorized electronic fund transfers when reported in a timely manner.

I am requesting that the CFPB investigate Chimes handling of this dispute and ensure compliance with consumer protection laws. I am also requesting that Chime reverse the fraudulent charges and restore the funds to my account.

Thank you for your time and assistance with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I submitted written disputes to Experian and TransUnion on XX/XX/year>, identifying inaccurate, obsolete, and unverifiable information appearing on my credit reports. Despite my formal written request, these consumer reporting agencies have not demonstrated compliance with the Fair Credit Reporting Act ( FCRA ) in their verification or reinvestigation procedures.

These inaccurate entries have caused emotional distress, humiliation, loss of credit opportunities, and lower credit scores. I have not authorized either bureau to report or furnish my personal or financial data, which constitutes a potential violation of 15 U.S.C. 1681b ( permissible purposes ) and may amount to aggravated identity theft under federal law.

Under the FCRA, I am entitled to : A complete disclosure of all sources of information in my file ( 1681g ), Proper reinvestigation of disputed information within 30 days ( 1681i ), Assurance of accuracy and fairness in reporting ( 1681e ( b ) ).

I specifically requested : Removal of all unverifiable, obsolete, and misleading accounts.

Deletion of all non-account inquiries older than 30 days.

A full file disclosure identifying all furnishers and data sources.

Suppression of promotional and third-party sharing of my file.

The bureaus failure to validate or correct these items has caused continued injury and violates federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: TX

Complaint narrative:
I submitted written disputes to Experian and TransUnion on XX/XX/year>, identifying inaccurate, obsolete, and unverifiable information appearing on my credit reports. Despite my formal written request, these consumer reporting agencies have not demonstrated compliance with the Fair Credit Reporting Act ( FCRA ) in their verification or reinvestigation procedures.

These inaccurate entries have caused emotional distress, humiliation, loss of credit opportunities, and lower credit scores. I have not authorized either bureau to report or furnish my personal or financial data, which constitutes a potential violation of 15 U.S.C. 1681b ( permissible purposes ) and may amount to aggravated identity theft under federal law.

Under the FCRA, I am entitled to : A complete disclosure of all sources of information in my file ( 1681g ), Proper reinvestigation of disputed information within 30 days ( 1681i ), Assurance of accuracy and fairness in reporting ( 1681e ( b ) ).

I specifically requested : Removal of all unverifiable, obsolete, and misleading accounts.

Deletion of all non-account inquiries older than 30 days.

A full file disclosure identifying all furnishers and data sources.

Suppression of promotional and third-party sharing of my file.

The bureaus failure to validate or correct these items has caused continued injury and violates federal consumer protection laws.

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 2025-11-05 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: TN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need to have deleted will be attached in a pdf document. I have several accounts that I DID NOT apply for listed on my credit report. My information was exposed in the XXXX  Data Breach and as a result someone opened up several fraudulent accounts in my name. 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 also enclosed copies of the report. According to FCRA 605 B this information must be blocked within 4 days. XXXX  has been slow in responding to my request via postal mail so now I'm involving the CFPB. This inaccurate information is causing me lots of XXXX and discomfort and embarrassment.

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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Subject : Dispute of Inaccurate Personal Information Message / Explanation : I am disputing inaccurate personal information listed on my credit report. The information currently reported is incorrect and does not reflect my accurate personal or employment history. 

Addresses : The address XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX is not current. I have not lived there since XXXX. 
My current physical and mailing address is XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX. 

Employment Information : I am no longer employed at The XXXX. 
I am no longer employed at XXXX XXXX XXXX, having left in XX/XX/XXXX. 
I am currently XXXX  as an XXXX XXXX 

I request that all inaccurate information, including addresses, employment records, collection accounts, or other accounts reported incorrectly, be investigated and removed from my credit report.

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 2025-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
This complaint is also my official request for debt validation to Transworld Systems , Inc. My attached letter clearly specifies the documents that must be provided under the FDCPA : the original signed contract, proof of ownership or assignment, the purchase agreement, and a detailed accounting of the balance.

By using the CFPB complaint system, I am making sure my request is documented, forwarded, and acted upon properly. Consumers have the right to full transparency, and I expect Transworld Systems , Inc to provide complete validation.

To further protect my rights under the FCRA, I am also requesting information to verify the accuracy and completeness of the account they reported to the Credit Bureaus : the Date of First Delinquency, the date the account was charged off ; and the date the account was acquired by or assigned to Transworld Systems , Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am formally disputing the accuracy, completeness, and legal permissibility of multiple items appearing on my Pursuant to FCRA 602 ( A ) and 611 ( a ) ( 1 ) ( A ), you are required to conduct a human reinvestigation and verify each item with certified documentation, not automated E-OSCAR responses.

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 2025-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
Midland Credit Management placed a collection account on my credit report. I do not have an account with Midland. I delivered a request for more information on XX/XX/year>2025 and it was ignored.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute a derogatory mark that has been reported on my Equifax credit report. 
The information listed is inaccurate, and I request that you investigate the following item : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX Discrepancy : This account is incorrectly marked as 60 days late in XX/XX/year>. However, my payment history shows that the payment was made on XX/XX/year>, and there was no late payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Kindly review the submitted documents ; these inquiries appeared without any prior notification and XXXX be unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ACIMA CREDIT, LLC
State: VA

Complaint narrative:
Acima credit XXXX repeatedly calls me threading to sue and have XXXX come to my house and job over a debt that does not belong to me. I had my credit froze for possible identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Recovery Management Solutions LLC
State: WI

Complaint narrative:
This company has repeatedly called myself and my family members from XXXX number but they guve a different number to call back. I pulled my credit report and they are not listed on any debts that I have so I want them to stop calling me. I never received any written communication from them referencing any debt, just repeated phone calls. It needs to stop asap!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: PA

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 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 2025-11-05 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: TX

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 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