vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 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: NC

Complaint narrative:
I am filing this complaint because the XXXX account # XXXX listed on my credit reports is being inaccurately reported and mishandled in violation of multiple federal consumer protection laws, causing significant harm and confusion. The account is currently reported with a balance of {$12000.00}, an opened date of XX/XX/XXXX, a last payment date of XX/XX/XXXX, and a 120-day late status, yet these dates and delinquency claims do not match my payment records or correspondence with the creditor. I previously disputed billing inconsistencies directly with XXXX, which places this matter under FCRA 15 U.S. Code 1666, requiring correction of billing errors, and during the dispute they were prohibited from reporting adverse information under 15 U.S. Code 1666a, yet they continued to furnish outdated and incorrect derogatory data to Experian, Equifax, and TransUnion. When I submitted disputes with the credit bureaus under CRA 611 ( 15 U.S.C. 1681i ), each bureau appeared to rely on automated or superficial verification rather than conducting a meaningful reinvestigation, despite clear inconsistencies in dates, delinquency timelines, and payment history. The furnisher, XXXX, has also failed to uphold its legal obligations under FCRA 623 ( a ) ( 2 ) to correct or update information they know or should know is inaccurate, and under FCRA 623 ( b ) to reasonably investigate the disputes forwarded to them by the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-11-20 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:
Dear Sir or Madam, I am writing to demand the immediate and permanent deletion of the XXXX XXXX XXXX public record appearing on my Experian credit report dated XX/XX/year>. This item is inaccurate, incomplete, and misleading in multiple material respects in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) and 1681i ).

Specific inaccuracies : Incorrect court jurisdiction Experian reports the court as XXXX XXXXXXXX XXXX XXXX XXXXXXXX. 
XXXX is the postal abbreviation for XXXX 
My bankruptcy ( case number XXXX ) was filed and adjudicated in the United States Bankruptcy Court XXXX XXXX XXXX XXXXXXXX XXXX California XXXX XXXX XXXX XXXX Reporting this bankruptcy as having been filed in Connecticut is factually false. 
Incorrect/malformed reference number Experian lists the reference number as XXXX. 
The correct case number issued by the court is XXXX. The missing hyphen and zero render the reference number inaccurate. 
Duplicate reporting in prior reports Earlier versions of my Experian report displayed this same bankruptcy twice with conflicting formatting, further demonstrating Experians failure to maintain reasonable procedures for maximum possible accuracy. 

These errors are not minor or technical they misrepresent the very jurisdiction in which my bankruptcy was filed. Such inaccuracies are materially misleading to anyone reviewing my credit report. 
I have attached : Experian report dated XX/XX/year> clearly showing XXXX XXXX XXXX XXXX XXXX Additional page confirming the same bankruptcy with the identical errors Under 15 U.S.C. 1681i ( a ) ( 5 ), if information can not be verified as accurate and complete, it must be deleted. Because Experian is reporting the wrong state ( Connecticut instead of California ), this item can not possibly be verified as accurate against official court records. 
Accordingly, I demand that Experian permanently delete this entire bankruptcy public record from my credit file within 30 days, as required by the FCRA. 
Please provide written confirmation of the deletion and an updated copy of my credit report. 
Thank you, 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 non-monetary relief
Consumer complaint received 2025-11-20 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: NC

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: LA

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

UNAUTHORIZED INQUIRIES : XXXXXXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: NV

Complaint narrative:
They wrote this account off charged it off or whatever they got on my credit they still is reporting on my credit report with the balance that's against the law once you charge or write an account off you can not keep reporting it with the balance attached to it on someone's credit report I also asked this company long ago once I noticed that they charge this account off where was the 1099-C no response I asked them to send me proof since they charged it off and wrote it off on their taxes for profit loss send me proof that they either did this or they didn't do this the IRS states that they should have sent me a 1099 c once it was charged off but they didn't do any of this they went and hired a law group to take me to court to sue me this is something that the cfpb doesn't tolerate but y'all letting these companies get away with this not giving people things that is needed and still letting them report to People 's credit reports with the balance and the account is charged off that's not fair but yet they want to take somebody to court and sue them

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 2025-11-20 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: TX

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-11-20 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: PA

Complaint narrative:
I am submitting this complaint regarding multiple inaccuracies on my credit reports that misrepresent my financial history and violate the Fair Credit Reporting Act ( FCRA ). On my Experian report, my account with XXXX XXXXXXXX ( XXXX ) is incorrectly listed as a charge-off with a balance of {$260.00}, with a date of first delinquency ( DOFD ) that does not match my records, and a reported status and balance that are inaccurate or outdated ; despite my providing supporting documentation, these discrepancies remain, harming my creditworthiness and misleading potential creditors, which violates FCRA 605 ( a ), 607 ( b ), 623 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 5 ). Additionally, on my Equifax report, my XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) are inaccurately reported as 120 days late in XXXX, XXXX, and XX/XX/year> with balances of {$6800.00}, {$3800.00}, {$4800.00}, and {$3600.00}, and my XXXX account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) is reported as 30 days late in XX/XX/year>, despite my records showing all payments were made on time and documentation supporting this, in violation of FCRA 611, 623 ( a ) ( 2 ), and 623 ( b ) as well as 15 U.S. Code 1666 and 1666a.

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 2025-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: CO

Complaint narrative:
I had got scammed on XX/XX/XXXX {$4300.00} and I requested that the transactions be canceled as they were on authorized by me and the gentleman I talked to who was asking the questions demanded. I answer his, and we give me no information about his name, or if I was able to talk to a coworker, or a manager. He told me directly no, he was very rude and said good luck, but I dont think youre getting your money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: FL

Complaint narrative:
I am formally disputing the inaccurate reporting of my XXXX XXXX account ( XXXXXXXX XXXX XXXX XXXX XXXX  ) across Experian, Equifax, and TransUnion. Experian reports a balance of {$4300.00}, with 30, 60, and 90-day late payments for XXXX, XXXX, and XX/XX/XXXX, along with a Date of Last Activity of XX/XX/XXXX and a reporting date of XX/XX/XXXX, which contradicts my payment history. Equifax reports this account with a balance of {$4100.00}, showing 30, 60, and 90-day late payments for XXXX, XXXX, and XX/XX/XXXX, with a Date of Last Activity of XX/XX/XXXX and a reporting date of XX/XX/XXXX, directly contradicting the reporting by Experian. TransUnion reports the same balance of {$4100.00}, listing 30, 60, and 90-day late payments for XXXX, XXXX, and XX/XX/XXXX, with a Date of Last Activity of XX/XX/XXXX and a reporting date of XX/XX/XXXX, which creates further inconsistencies. These discrepancies in the amounts and dates across all three bureaus misrepresent my payment history and harm my creditworthiness, violating FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), FCRA 602 ( a ) 15 U.S.C. 1681 ( Purpose of FCRA ), FCRA 609 ( a ) 15 U.S.C. 1681g ( a ) ( Right to Disclosure ), FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) ( Procedure in Case of Dispute ), and FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ).

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 2025-11-20 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: FL

Complaint narrative:
I am demanding the immediate removal of several inaccurate and unverifiable accounts currently reported on my credit reports from Experian, Equifax, and TransUnion. The following items continue to be falsely reported : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$3400.00} * * appearing on all three bureaus, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$0.00} * * appearing on Experian and TransUnion, and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$0.00} * * appearing across all three bureaus. These accounts are inaccurate, unverifiable, and continue to misrepresent my creditworthiness, causing undue stress and potential financial harm. Their continued reporting violates FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), which grants me the right to dispute inaccurate information ; FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 605B / 15 U.S.C. 1681c-2, which prohibits furnishers from reporting inaccurate information ; and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), which requires credit bureaus to maintain reasonable procedures to ensure maximum possible accuracy. These accounts remain on my reports despite multiple previous removal requests, demonstrating a repeated failure to comply with federal law. I am requesting the complete and permanent removal of all listed accounts from Experian, Equifax, and TransUnion, as they can not be verified with proper documentation and continue to cause financial harm and misrepresentation. I also request written confirmation once the removals have been completed so that my credit reports accurately reflect only verified and authorized information. This is my fourth formal request, and immediate compliance 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 explanation
Consumer complaint received 2025-11-20 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: AZ

Complaint narrative:
I must emphasize that this complaint is not a mistake. My credit report contains inaccuracies that are not guaranteed to be maximally accurate. These errors are severely impacting me and continuing to cause significant negative effects that you can not fully comprehend. These are challenging times, and correcting or removing these inaccuracies would be a substantial relief.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: CA

Complaint narrative:
Dear Sir or Madam, I am writing to demand the immediate and permanent deletion of the XXXX XXXX XXXX public record appearing on my Experian credit report dated XX/XX/year>. This item is inaccurate, incomplete, and misleading in multiple material respects in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) and 1681i ).

Specific inaccuracies : Incorrect court jurisdiction Experian reports the court as XXXX XXXXXXXX XXXX XXXX XXXXXXXX. 
XXXX is the postal abbreviation for XXXX 
My bankruptcy ( case number XXXX ) was filed and adjudicated in the United States Bankruptcy Court XXXX XXXX XXXX XXXXXXXX XXXX California XXXX XXXX XXXX XXXX Reporting this bankruptcy as having been filed in Connecticut is factually false. 
Incorrect/malformed reference number Experian lists the reference number as XXXX. 
The correct case number issued by the court is XXXX. The missing hyphen and zero render the reference number inaccurate. 
Duplicate reporting in prior reports Earlier versions of my Experian report displayed this same bankruptcy twice with conflicting formatting, further demonstrating Experians failure to maintain reasonable procedures for maximum possible accuracy. 

These errors are not minor or technical they misrepresent the very jurisdiction in which my bankruptcy was filed. Such inaccuracies are materially misleading to anyone reviewing my credit report. 
I have attached : Experian report dated XX/XX/year> clearly showing XXXX XXXX XXXX XXXX XXXX Additional page confirming the same bankruptcy with the identical errors Under 15 U.S.C. 1681i ( a ) ( 5 ), if information can not be verified as accurate and complete, it must be deleted. Because Experian is reporting the wrong state ( Connecticut instead of California ), this item can not possibly be verified as accurate against official court records. 
Accordingly, I demand that Experian permanently delete this entire bankruptcy public record from my credit file within 30 days, as required by the FCRA. 
Please provide written confirmation of the deletion and an updated copy of my credit report. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: CA

Complaint narrative:
Dear Sir or Madam, I am writing to demand the immediate and permanent deletion of the XXXX XXXX XXXX public record appearing on my Experian credit report dated XX/XX/year>. This item is inaccurate, incomplete, and misleading in multiple material respects in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) and 1681i ).

Specific inaccuracies : Incorrect court jurisdiction Experian reports the court as XXXX XXXXXXXX XXXX XXXX XXXXXXXX. 
XXXX is the postal abbreviation for XXXX 
My bankruptcy ( case number XXXX ) was filed and adjudicated in the United States Bankruptcy Court XXXX XXXX XXXX XXXXXXXX XXXX California XXXX XXXX XXXX XXXX Reporting this bankruptcy as having been filed in Connecticut is factually false. 
Incorrect/malformed reference number Experian lists the reference number as XXXX. 
The correct case number issued by the court is XXXX. The missing hyphen and zero render the reference number inaccurate. 
Duplicate reporting in prior reports Earlier versions of my Experian report displayed this same bankruptcy twice with conflicting formatting, further demonstrating Experians failure to maintain reasonable procedures for maximum possible accuracy. 

These errors are not minor or technical they misrepresent the very jurisdiction in which my bankruptcy was filed. Such inaccuracies are materially misleading to anyone reviewing my credit report. 
I have attached : Experian report dated XX/XX/year> clearly showing XXXX XXXX XXXX XXXX XXXX Additional page confirming the same bankruptcy with the identical errors Under 15 U.S.C. 1681i ( a ) ( 5 ), if information can not be verified as accurate and complete, it must be deleted. Because Experian is reporting the wrong state ( Connecticut instead of California ), this item can not possibly be verified as accurate against official court records. 
Accordingly, I demand that Experian permanently delete this entire bankruptcy public record from my credit file within 30 days, as required by the FCRA. 
Please provide written confirmation of the deletion and an updated copy of my credit report. 
Thank you, 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 2025-11-20 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 am disputing the following charged-off accounts on my Experian credit report : Charged-Off Accounts XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00} XXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX  Balance : {$1000.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX 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