vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 2025-10-13 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: NY

Complaint narrative:
I noticed some inaccuracies on my credit reports that seem to be affecting my ability to get credit, as I've recently been denied by a few creditors. I'd really appreciate it if you could take a closer look at the accounts and inquiries in question. As you know, it's important that the information reported is accurate, so I kindly ask that you investigate and update the records as needed. I'm hoping we can get this sorted out smoothly and avoid any further issues down the line.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: NY

Complaint narrative:
I noticed some inaccuracies on my credit reports that seem to be affecting my ability to get credit, as I've recently been denied by a few creditors. I'd really appreciate it if you could take a closer look at the accounts and inquiries in question. As you know, it's important that the information reported is accurate, so I kindly ask that you investigate and update the records as needed. I'm hoping we can get this sorted out smoothly and avoid any further issues down the line.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: GA

Complaint narrative:
XX/XX/XXXX at XXXX, My information was used and stolen by someone i was living with. I told numerous people around me that any transaction that transpires isnt me. At night, i would watch movies on my phone or tablet so my device would be unlocked, I deposited money in my account after work. It was {$250.00}. I made a note to my bank saying it was not me as well as providing proof. I called police and informed law as well but I still had a heart and didnt want to arrest her without concrete proof. Then she does it again ( which I won that dispute ). I begged for my bank to give me my money back due to it being for bills. Its not about the amount, its about whats right. She thinks she can steal peoples money without any repercussions or consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian is continuing to report a XXXX XXXX XXXX filed on XX/XX/XXXX, and XXXX on XX/XX/XXXX, under Ref # XXXX / XXXX XXXX XXXXXXXX XXXX XXXX Michigan. Despite a prior dispute, Experians reinvestigation response dated XX/XX/XXXX indicates this public record remains, and that the company has certified the information as accurate. 

However, this reporting violates the Fair Credit Reporting Act ( FCRA ) because Experian has not verified the accuracy or permissible duration of this record and continues to maintain obsolete or unverified information. 

Legal Violations Cited FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) : Experian failed to maintain maximum possible accuracy by continuing to report a public record without verifiable source documentation or an independent investigation. Experian relies on third-party vendors such as XXXX for bankruptcy data, not the original court, which constitutes unverified hearsay data. 

FCRA 611 ( a ) 15 U.S.C. 1681i : During reinvestigation, Experian did not contact the original furnisher ( the court itself ) but instead relied on automated e-OSCAR data exchange, failing to obtain or provide me with the method of verification as required under 611 ( a ) ( 6 ) ( B ) ( iii ).

FCRA 605 ( a ) 15 U.S.C. 1681c ( a ) ( 1 ) : Consumer reporting agencies may not report cases under title 11 that antedate the report by more than ten years from the date of adjudication or date of filing, whichever is earlier.

FCRA 609 ( a ) ( 1 ) : Experian has not provided full disclosure of all sources furnishing this public record data, including the third-party vendor used to verify the bankruptcys continued reporting.

Harm & Requested Relief This inaccurate and unverified bankruptcy continues to appear as a public record and is materially harming my creditworthiness and ability to obtain financing. Experian has failed to provide evidence that the data originated directly from the XXXXXXXX XXXX XXXXXXXX or that it remains within the legal reporting period.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: MD

Complaint narrative:
Demand : Running statements/ledger for the alleged late month ( s ). Codes are not proof. If not independently verified, delete the late indicator ( 1681i ( a ) ( 5 ) ( A ) ).

Enclosures : ID ; address proof ; EX pages.

2 ) Experian XXXX XXXXXXXX Acct ending XXXX ( opened XX/XX/XXXX ; chronology incl. XXXX ) Your XXXX shows XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX shows XXXX XXXX XXXX and XXXX has duplicated month labels. This is inaccurate and misleading. 
All late months disputed ( explicit list ) : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XXXX XXXX ( XXXX ). 
Law/XXXX XXXX  XXXX 607 ( b ), 611 ; Reg V ; Fields 24/17B/71/3942 ; XXXX. 
Demand : Provide running statements/ledger for each month listed ( due date receipt posting ). Codes are not proof. If not verified, delete derog data or the tradeline ( 1681i ( a ) ( 5 ) ( A ) ). Remedies reserved.

Enclosures : ID ; address proof ; EX pages. 
3 ) Experian XXXX Acct ending XXXX ( extra late month ) Experian lists XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX, but XXXX  only shows 30/60 ( XXXX ). 
The extra late requires proof. 
All late months disputed : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ). 
Law/XXXX XXXX XXXX 607 ( b ), 611 ; Reg V ; Fields 24/17B/71 ; XXXX. 
Demand : Running statements/ledger for each month. Codes are not proof. If not verified, delete the late data ( 1681i ( a ) ( 5 ) ( A ) ).

Enclosures : ID ; address proof ; EX pages.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as Public Record - Federal - XXXX VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court U.S BANKRUPTCY COURT. that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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:
After reviewing my credit reports from XXXX XXXX XXXX XXXX, I found multiple inaccurate, outdated, and unverifiable accounts that remain on my file despite prior disputes. These items include charged-off credit card accounts, duplicate collections, and re-aged debts that continue to be reported without proper verification or documentation. 

Creditors such as XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Bank XXXX, XXXX Bank XXXX, and XXXXXXXX XXXX XXXX, as well as collection agencies like XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, have failed to provide legal documentation verifying ownership, account accuracy, or proof of assignment. Several accounts also show conflicting remarks, inconsistent charge-off dates, and duplicated reporting of the same debtsall of which violate the Fair Credit Reporting Act ( FCRA ), including Sections 607 ( b ), 611 ( a ), and 623 ( a ).

Furthermore, some of these accounts are either obsolete or re-aged to remain active on my credit report, which is a clear violation of FCRA 605 ( a ) ( 5 ). The credit bureaus continued reporting of unverifiable and inconsistent information demonstrates negligence in maintaining maximum possible accuracy, as required by law, and has caused significant harm to my credit reputation and financial standing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to dispute fraudulent information that appears on my credit report pursuant to 15 U.S.C. 1681c-2, and to formally request that this information be blocked or removed. I am including a copy of my identity theft report issued by the Federal Trade Commission ( FTC ) XXXX as supporting evidence for my claim. 
According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block or delete any information identified by the consumer as resulting from identity theft within four ( 4 ) business days. 
The following information on my credit report is the result of identity theft and must be blocked : 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 As outlined in 15 U.S.C. 1681c-2, I am formally requesting that this fraudulent information be blocked or removed immediately from my credit report. This information should remain blocked for a period of one year, after which I may request an extension. During this time, no fraudulent data should continue to appear in my file. 
I have contacted the credit bureau reporting these fraudulent accounts multiple times, and they have failed to provide me with an effective resolution. This situation is severely affecting me and feels like a never-ending cycle. I do not understand how these accounts can still be reported as mine when I have already proven otherwise. 
Please help me by removing these accounts immediately. I am including my FTC report again, hoping that you will make a better and fairer decision in my case. Thank you for your attention.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Hayt Hayt & Landau, P.L. (FL)
State: FL

Complaint narrative:
I had a credit card with XXXXXXXX XXXX, XXXX aka XXXX XXXXXXXX. I have been ill for over a year and asked the company if I could apply for their hardship program. I only receive a monthly XXXX payment and barely survining. The company would not respond. 
Now they sold the debt to Hayt, Hayt & Landuau P.L. They also do not respond to me. I am financially unable to pay this debt. 
It is also my understanding that wages can not be garnished from XXXX payments, so there is nothing that can be done. Now it's on my credit report. 
Can we please resolve this debt due to financial hardship and illness? 
Thank 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 2025-10-13 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXXXXXX XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency.

FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: MO

Complaint narrative:
This is my 6th dispute, and I am appalled by the data furnisher and credit bureaus ' blatant disregard for federal consumer protection laws. Under FCRA Section 611 [ 15 U.S.C. 1681i ], they are obligated to perform a lawful reinvestigation. However, no original, verifiable documentation has been provided. Instead, Ive received generic templates and unverifiable responseswhich do not constitute proof of accuracy.

The account in question is riddled with Metro 2 violations, including inconsistent date of first delinquency ( DOFD ), incorrect account status codes, and inaccurate reporting of balances. This is a direct violation of Metro 2 Format Requirements as outlined by the Consumer Data Industry Association ( CDIA ), and a failure to comply with FCRA Section 623 obligations to ensure maximum possible accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: MO

Complaint narrative:
This is my 6th dispute, and I am appalled by the data furnisher and credit bureaus ' blatant disregard for federal consumer protection laws. Under FCRA Section 611 [ 15 U.S.C. 1681i ], they are obligated to perform a lawful reinvestigation. However, no original, verifiable documentation has been provided. Instead, Ive received generic templates and unverifiable responseswhich do not constitute proof of accuracy.

The account in question is riddled with Metro 2 violations, including inconsistent date of first delinquency ( DOFD ), incorrect account status codes, and inaccurate reporting of balances. This is a direct violation of Metro 2 Format Requirements as outlined by the Consumer Data Industry Association ( CDIA ), and a failure to comply with FCRA Section 623 obligations to ensure maximum possible accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: NC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Transform Credit Inc.
State: IL

Complaint narrative:
I have a loan with transform credit. It started as a XXXX loan to boost my credit I was working with a job when I got the loan. I got an email from transform credit saying my payments were on time and they offered me a second loan of XXXX. I accepted it. I was working at XXXX XXXX about three weeks and they paused my job for XXXX weeks for my background check which I'm waiting on currently. I have filled out many jobs applications. I tried donating blood my veins were too small. I did smartshift orientation just to be told it's a startup and there's no shifts literally. My co signer XXXX ran into financial issues were her vehicle the money isn't here right now. It's a late payment of 12 days for {$180.00}. They call me constantly and harass me from different numbers threaten my credit and to take me to court over one missed payment. Yet, they were fast to offer me a second loan for doing everything right. So that's my complaint. Thanks for your time

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: FL

Complaint narrative:
Take action to remove disputed accounts within the legally required period under 15 U.S. Code 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Pursuant to the provisions outlined in 15 U.S.C. 1666b, payments received by creditors must be promptly credited and reported accurately. I hereby dispute the erroneous reporting of late payments on the following accounts : Auto Loan account opened at XXXX XXXX on XX/XX/XXXX account number XXXX * * * Credit Card account opened at XXXXXXXX XXXX XXXX on XX/XX/XXXX account number * * * * Credit Card account opened at XXXX on XX/XX/XXXX account number XXXX * * * * * * Credit Card account opened at XXXXXXXX XXXX  on XX/XX/XXXX account number XXXX * * * * * * Credit Card account opened at XXXXXXXX XXXX on XX/XX/XXXX account number XXXX * * * * * * Auto Loan account opened at XXXX XXXX on XX/XX/XXXX account number XXXX * * * Auto Loan account opened at XXXX XXXX on XX/XX/XXXX account number XXXX * * *, as my payments were submitted timely. 
I demand immediate removal of this reporting error from my credit file. Failure to comply with this request XXXX subject your agency to legal liability for violating federal law. Confirm the results of your all corrections made to my credit report within XXXX ( XXXX ) calendar days.

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