vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This public record listed on my credit file was not provided directly by the court. The FCRA requires that all reported information be accurate and verifiable. Please provide the original source and method of verification or delete this unverifiable public record immediately. file/reference number XXXX, filed on XX/XX/XXXX. 
Public Record Dispute Bankruptcy ( XXXX  ) To : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Deletion of Unverified Public Record Bankruptcy Date : [ XXXX  XX/XX/XXXX ] Full Name : XXXX XXXX Address : [ XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ] XXXX : XX/XX/XXXX XXXX ( XXXX ) : Dear XXXX, I am writing to formally dispute the XXXX  XXXX bankruptcy listed on my credit report under file/reference number XXXX, filed on XX/XX/XXXX. 
According to the Fair Credit Reporting Act ( FCRA ) 1681i, you are required to verify all information you report. Public records are not furnished directly by courts, and I request you provide : 1. The name and contact information of the original source of this record.

2. All documentation used to verify the accuracy and completeness of this entry.

If you can not independently verify the accuracy of this public record as required by federal law, you must delete it from my credit report immediately. XXXX and XXXX XXXX are third party sources that cant be used to verify any public records, has to be the main source which are the courts. 
Please investigate and respond within 30 days as required under FCRA. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-07-28 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: AZ

Complaint narrative:
I am filing a formal complaint because there is inaccurate and/or unverifiable information being reported on my credit report by a consumer reporting agency. I recently obtained a copy of my credit report and found one or more accounts that either do not belong to me, are reported inaccurately, or have already been paid in full.

I submitted a written dispute directly to the credit reporting agency under the Fair Credit Reporting Act ( FCRA ), specifically citing violations of 1681e ( b ) for failing to ensure maximum accuracy, and 1681i for not conducting a reasonable reinvestigation within the 30-day timeframe.

Despite my demand, the inaccurate information remains on my report, and I have not received sufficient verification or documentation ( such as a signed contract or complete payment history ) to justify the continued reporting of the disputed account. I believe this reflects willful non-compliance with the FCRA and is causing me harm.

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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am filing a formal complaint because there is inaccurate and/or unverifiable information being reported on my credit report by a consumer reporting agency. I recently obtained a copy of my credit report and found one or more accounts that either do not belong to me, are reported inaccurately, or have already been paid in full.

I submitted a written dispute directly to the credit reporting agency under the Fair Credit Reporting Act ( FCRA ), specifically citing violations of 1681e ( b ) for failing to ensure maximum accuracy, and 1681i for not conducting a reasonable reinvestigation within the 30-day timeframe.

Despite my demand, the inaccurate information remains on my report, and I have not received sufficient verification or documentation ( such as a signed contract or complete payment history ) to justify the continued reporting of the disputed account. I believe this reflects willful non-compliance with the FCRA and is causing me harm.

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 2025-07-28 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: TX

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: SC

Complaint narrative:
XXXX XXXX XXXX, XXXX, XXXX XXXXhis CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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. This fraudulent, inaccurate, and false information consists of XXXXXXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-07-28 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: TX

Complaint narrative:
XX/XX/XXXX, scammed by taxi both and driver at the XXXX XXXX XXXX. I was first overcharged ( not legal amount per city ordinance laws ) for a XXXX mile taxi ride. the original charge was for XXXX on XX/XX/XXXX. Then the company went in the next day and cancelled that charge and then charged my account for XXXX plus change, and changed the business spelling of their name. Per the police and XXXX XXXX, the airport employee got me an unauthorized taxi and the employee and driver scammed me. Police report number XXXX XXXX XXXX XXXX. I disputed these charges with my bank the next day. Chime waited almost 2 months before they denied the dispute, so I filed a complaint. Then chime reopened the investigation on XX/XX/XXXXXXXX  with them saying they have until XX/XX/XXXXXXXX  before making their decision. IN THE MEANTIME, THIS HAS PUT ME BEHIND ON MY HOUSE PAYMENTS AND PUT ME INTO FORECLOSURE. I REQUSTED FROM CHIME, THE PROCESS OF THEIR INVESTIGATION AND ASKED FOR NAMES, DATES, AND TIMES OF WHO THEY SPOKE TO, TO GET THEIR INVESTIGATION OUTCOME. THEY DENIED GIVING ME THAT INFORMATION. IT IS ABSOLUTELY RIDICULOUS THAT THEY DENIED ME THE INVESTIGATION INFORMATION AND THE FACT THAT THIS IS TAKING MONTHS FOR THEIR INVESTIGATION TO BE BE DONE. FRANKLY, THERE IS NO POSSIBLE WAY THEY DID ANY INVESTIGATION TO BEGIN WITH. I GOT SCAMMED BY THE AIRPORT EMPLOYEE AND TAXI DRIVER ( WHO IS NOT EVEN AN AUTHORIZED COMPANY TO WORK OUT OF THE AIRPORT, PER THE POLICE DEPT ) AND NOW BEING SCREWED OVER BY CHIME

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: AZ

Complaint narrative:
This letter serves as an addendum to my previously submitted dispute regarding the collection account being reported by XXXX XXXX XXXX XXXX, originally from XXXX XXXX XXXX XXXX, under the account number XXXX. 

I am formally restating that I do not recognize or owe this debt, and I have been attempting to obtain proper validation from XXXX XXXX XXXX no response. 

Specifically : I have contacted XXXX XXXX XXXX by phone on multiple occasions, requesting validation of the alleged debt. 

I have sent a request by mail twice, including one certified letter with proof of signature and delivery confirmation. 


Despite these repeated and documented good-faith efforts, XXXX XXXX XXXX XXXX has failed to provide any documentation or evidence to validate this debt or demonstrate that I am legally responsible for it. This failure is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA 611 ) and the Fair Debt Collection Practices Act ( FDCPA 809 ). 

Because XXXX XXXX XXXX has failed to validate the debt after multiple requests and well over the legally allowed time frame, I am demanding that Experian immediately delete this account from my credit report. Continuing to report a debt that has not been validated is inaccurate, unfair, and unlawful. 

Thank you for your prompt attention to this matter. I expect this account to be removed without further 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 non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: KS

Complaint narrative:
Hello, I am a XXXX woman, I work in XXXX  XXXX XXXX. I am a XXXX XXXX  living in a XXXX XXXX home. I don't dispute i have a few medical bills and a credit card or 2 in collections- however I have Not received notice of a lawsuit, and only have been alerted when my wages were garnished last Friday, and this last Friday ( it is now monday ) as well. XXXX dollars was taken from both checks. I work XXXX hrs weekly, the max I can work. My wages are XXXX ish- after taxes ( XXXX ) and after garnishment ( XXXX ) and after XXXX  to work and back ( no vehicle ) - costs XXXX dollars per ride. XXXX rides is XXXX to XXXX dollars per week- I won't be able to afford to work. I am also paying rent, paying storage unit, my phone and children support. 

I have been having an issue with recieving spam calls- within the past 2 weeks- I receive as many as 15 a day. Im not sure if it is you ; however, I will speak with you all. I do need the garnishment stopped. My credit score is XXXX I don't have any savings and currently have XXXX dollars to live on until next pay- I can not state this seriously enough- I had no notice, and if I am going to throw money away it will have to be to a lawyer- I cant see how this is lawful, given no notice. XXXX dollars is the difference that I cant afford to eat anything other than PB and J and apples- I researched this company- there appear to be many complaints. As a XXXX XXXX I make good on all bills wherever I can. My first priority has to be staying in my XXXX  living house, paying rent and paying child support. I am a XXXX  XXXX  XXXX, I can not work in my field currently due to XXXX  and being new in recovery again. I would greatly appreciate it if you would understand that this is not a debt I can afford to pay now or within the next year. When I get a vehicle again and am back to salaried work I will make good on debts- I just do not have savings or any family support, and am doing what I can living week to week as it was prior to garnishment. 
For example- my last check was XXXX my weekly rent is XXXX I cant be working if 25 percent of my salary comes out- and this is a serious situation for me. 

Please do your best to pair me with an empathetic human to have this resolved promptly. 

And if my number has been being dialed repeatedly from your offices- please stop. I will answer if someone leave a message this is in regards to the inquiry you sent. I am on the national do not call list and continued harassing calls past the purpose of this communication won't be tolerated. 

Thanks XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: AZ

Complaint narrative:
I am writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved.

This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting.

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

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 2025-07-28 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: GA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-07-28 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: CT

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded 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 2025-07-28 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: CT

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Additional Information Requested : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Hide details To : XXXX Date : XX/XX/year>, XXXX Hello XXXX XXXX This email is a reminder to submit the requested additional feedback sent to you regarding case : XXXX. 


Please respond with the necessary information.If a response with the requested detail are not provided within XXXX, this case will be closed. 


Sincerely, XXXX XXXX XXXX Case Number : XXXX thread : XXXX : : with my banking credit and debit cards of both my TD Banking debit card and also my wife 's XXXX debit cards by saying to use another card off and on for the past XXXX to 4 months now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: CA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded 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 non-monetary relief