vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I identified inaccurate and unauthorized information being reported on my credit file. I contacted the company on [ insert date ( s ) ] to dispute these items and requested supporting documentation under the Fair Credit Reporting Act ( FCRA ), including proof of debt validation, account-level documentation, and permissible purpose for reporting. 

The company failed to provide complete and verifiable documentation as required by law. Instead, I received [ describe briefly what they sent, e.g., a form letter with no proof, no response at all, or incomplete/inaccurate documents ].

This failure to provide documentation violates my rights under FCRA 609, 611, and 615, which require accurate reporting and proper investigation. I am requesting the immediate removal of these unverifiable and unauthorized items 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 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I identified inaccurate and unauthorized information being reported on my credit file. I contacted the company on [ insert date ( s ) ] to dispute these items and requested supporting documentation under the Fair Credit Reporting Act ( FCRA ), including proof of debt validation, account-level documentation, and permissible purpose for reporting. 

The company failed to provide complete and verifiable documentation as required by law. Instead, I received [ describe briefly what they sent, e.g., a form letter with no proof, no response at all, or incomplete/inaccurate documents ].

This failure to provide documentation violates my rights under FCRA 609, 611, and 615, which require accurate reporting and proper investigation. I am requesting the immediate removal of these unverifiable and unauthorized items from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
1. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report.

XXXX  XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 

2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence.

XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence.

XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence.

XXXX Account Number : XXXX Please remove it 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 non-monetary relief
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Checked my credit reports in XXXX of XXXX   and found a collection from a Company " XXXX '' for an amount of {$120.00} I did not owe. I made multiple calls to " XXXX '' and waited on average of 45 minutes only for the calls to be disconnected. 
I received an email from XXXXXXXX XXXX XXXXXXXX In XX/XX/XXXX, I reached out to them by phone to ask about the collection. They informed me it was an unpaid bill from XXXX in XXXX. Because I could not get anyone from XXXX and my Credit Scores suffered XXXX point XXXX, I decided to pay it as it was " the only way '' to have that negative item removed from my account. I paid the agreed upon amount and was informed '' a request for the item would be deleted from credit bureaus it was reported to ''. I checked my credit to day and not only is the collection still being reported, Equifax has dropped my score by XXXX points. Negative impact has been placed on all 3 credit bureaus and my scores have dropped. Please help as I can file any disputes online with the CRAs because all of a sudden their having trouble with identifying my credentials.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion is currently reporting 3 inaccurate accounts on my credit file that do not belong to me. I am a victim of identity theft and have already submitted disputes directly to TransUnion, including an Identity Theft Report, government-issued ID, and proof of address. Despite providing this documentation, TransUnion has failed to remove these fraudulent accounts, and they remain on my report. This is a direct violation of the Fair Credit Reporting Act ( FCRA ), which obligates the bureau to properly investigate and correct 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 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this Follow up complaint to formally dispute the accuracy and validity of certain items appearing on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ) 607 ( b ), Fair Debt Collection Practices Act ( FDCPA ) 809 ( 15 U.S.C. 1692g ), and FCRA 604 ( a ) ( 3 ), I request a thorough investigation into the following items and their removal if they can not be properly verified. Charged Off Accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$710.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2900.00} XXXX XXXX Please note, these accounts reflect balances exceeding {$600.00}. Under IRS regulations ( 26 U.S. Code 6050P ), creditors must issue Form 1099-C to both the consumer and the IRS when a debt of {$600.00} or more is canceled or forgiven. To date, I have not received any such form, suggesting these debts have not been formally forgiven. Account for Removal : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$340.00} XXXX XXXX Under FCRA 607 ( b ), I request removal of this account unless you can provide proper validation. Collection Accounts : XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$730.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$860.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$500.00} Under FDCPA 809 ( 15 U.S.C. 1692g ), I have the right to request validation of debts reported on my credit file. Despite previous requests, I have not received adequate verification confirming the validity of this debts. I hereby reiterate my request for proper debt validation. Inquiries Included in Dispute : 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 XXXX XXXX XXXXXX/XX/XXXX Under FCRA 604 ( a ) ( 3 ), credit inquiries require a permissible purpose. I did not authorize or provide consent for these inquiries, and I request their immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: PA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: UT

Complaint narrative:
XXXX is the total amount. Dates start in XXXX XXXX XXXX until XXXX XXXX. I have filed a claim and two separate appeals. I have been given no reasonings for denials. I also sent evidence of fraudulent charges still happening within my account.\n\nI had also noticed these charges are either in California, XXXX XXXX or XXXX. I have not been to California since XXXX XXXX XXXX  I also do not have a passport to travel out of country nor have I been to anywhere on the east coast. The furthest I have traveled I. The past 2 1/2 years has been to XXXX. Other than that I have been in XXXX.'

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

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 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 2025-09-13 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: FL

Complaint narrative:
Title 15 subsection 1611. False and misleading denial of my own credit .. Is it possible for me to speak to the underwriter? Or just have them email me back please. 
The entire consumer transaction is predicted on my unlimited credit. How rude XXXX XXXX subsection 1611 says different. Please send this code and message to the underwriter. Thanks for your time.

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 2025-09-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC
State: UT

Complaint narrative:
I fell behind on my payments too much I have been recieving emails on behalf of the company threatening with being sued or a warrant arrest. They say they are from Speedy Cash and when I ask for more information they refuse to provide it. This is the email address they contact me from. XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX  bank charged me a XXXX expediting card fee after my card was stolen and used however I was never informed I would b charged anything and I never receive any info I learned when it was posted I called and was informed wait til posted and call XXXX I did and told can't refund due to it's posted I filed dispute and denied and now they just said can't refund so nothing else I can do only proof I hv is screenshot of my acct showing fee

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 monetary relief
Consumer complaint received 2025-09-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: Mercedes Benz Financial Services
State: TX

Complaint narrative:
In XX/XX/year>, I contacted Mercedes-Benz Financial Services ( MBFS ) to request correction of how my terminated lease was being reported to the credit bureaus. The vehicle was returned and all lease payments were made ; only a lease-end wear-and-tear balance of {$2400.00} remains. 

Despite this, MBFS continues to report the account as open/current, and in some cases as a loan rather than a lease. This is inaccurate and misleading. A closed lease with a remaining balance should not be coded as an active auto loan, nor should it be reported as current or open when it is in fact closed. Even if a balance is owed, the account should properly report as closed with a balance due. 

On XX/XX/year>, MBFS responded to my email by redirecting me back to the credit bureaus instead of correcting its own reporting. Under the FCRA, MBFS is the furnisher responsible for ensuring accurate information with all three bureaus. Their response created a run-around, since the credit bureaus have told me they can not alter data provided by the furnisher. 

On XX/XX/year>, MBFS sent a letter stating that the status will remain current with full termination balance until paid in full. This means they are intentionally coding a closed lease as open, which inflates my debt load, damages my credit scores, and misrepresents my credit obligations. 

I have disputed this with the credit bureaus, bu

t MBFS continues to verify the information as accurate. The information remains incorrect and harmful. Finally, I am concerned about possible retaliation. I plan to apply for another Mercedes-Benz lease in the near future, and I do not want this complaint to be used against me in future credit or lease decisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-09-13 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I am submitting this complaint because Equifax failed to address the substance of my initial dispute regarding inaccurate debt reporting and proper debt validation. Instead of investigating or responding to the core issue, they merely sent a letter stating that my identity was verified which was never in question. 

I originally disputed a debt that I believe was inaccurately reported by a collection agency. In my dispute, I provided documentation that the collection agency provided an incorrect address and failed to properly validate the debt. This directly challenges the accuracy of the reported tradeline under the Fair Credit Reporting Act ( FCRA ). 

I also submitted my government-issued ID and XXXX as proof of identity and included supporting documents such as a copy of my lease and the debt collectors communication, which showed discrepancies. Rather than verifying how they confirmed the validity of the debt, Equifax simply responded with an unrelated note about my identity being verified completely ignoring the substance of my complaint. 

I believe this is a willful neglect of their duty under FCRA Section 611, which requires consumer reporting agencies to conduct a reasonable reinvestigation when a dispute is filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX date of birth XX/XX/year>XXXX  contexts of complaint : This CFPB complaint has been filled to request pursuant to FCRA 605B that you the TRANSUNION, EQUIFAX AND EXPERIAN credit reporting agencies 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've attached the copy of the identity theft affidavit and a document listing all the accounts as proof from the US Federal Trade commission that all of the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me and instead they are a 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 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello, I am disputing the erroneous information that continues to appear on my credit report. These inaccuracies are extremely concerning, as they are preventing me from moving forward financially. My credit applications are being denied because of these errors, and the stress this has caused is overwhelming.

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 2025-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: NC

Complaint narrative:
On XX/XX/XXXX  I was the victim of XXXX  and XXXX  ( XXXX XXXX XXXX ). The theft had access to my cellphone and used cashapp to transfer a total of {$3300.00} on XX/XX/2025. I have sent XXXX and my bank ( Chime ) a copy of the police report stating everything that happened. Both companies denied my disputes stating all those transactions were authorized. I'm currently living paycheck to paycheck trying to save and get back on track. I'm a XXXX XXXX VETERAN who served my country just to get denied access of my finances is unacceptable and unethical. Therefore, I want to take legal action because it is messing with my mental health. I will advise everyone to never do business with Chime or XXXX!

Company response to consumer: Closed with explanation