vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
am submitting this complaint because I requested original contracts, proof of investigation, and documentation showing what methods and information were used to conduct the investigation into the accounts I disputed. Despite my clear and lawful request, I received none of the required materials. The furnisher and/or credit bureau failed to provide any original signed agreements, no verification documents, and no explanation of how the investigation was performed. This lack of transparency and failure to supply the information I am legally entitled to under the FCRA demonstrates that a proper investigation did not occur. I am requesting immediate action to ensure full compliance and a complete reinvestigation with proper documentation.

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 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
am submitting this complaint because I requested original contracts, proof of investigation, and documentation showing what methods and information were used to conduct the investigation into the accounts I disputed. Despite my clear and lawful request, I received none of the required materials. The furnisher and/or credit bureau failed to provide any original signed agreements, no verification documents, and no explanation of how the investigation was performed. This lack of transparency and failure to supply the information I am legally entitled to under the FCRA demonstrates that a proper investigation did not occur. I am requesting immediate action to ensure full compliance and a complete reinvestigation with proper documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: IL

Complaint narrative:
I am filing this complaint because Self Financial / Lead Bank XXXX XXXX XXXX Bank Self is reporting multiple inaccurate and conflicting tradelines across all three credit bureaus. These tradelines can not be verified accurately, and prior reinvestigations were inadequate under the Fair Credit Reporting Act ( FCRA ). 

The following Self-related accounts appear on my credit reports : XXXX. SELF FINANCIAL / LEAD BANK Account ending in XXXX XXXX. XXXX XXXX BANK SELF Account ending in XXXX XXXX. SELF FINANCIAL / LEAD BANK ( revolving ) Account ending in XXXX All three tradelines contain materially different information across XXXX XXXX, and XXXX, including : different past-due amounts different late codes different last payment dates different account statuses ( open vs. closed ) different dates opened and dates closed different creditor names for the same accounts These discrepancies violate FCRA 607 ( b ), which requires furnishers to ensure maximum possible accuracy. Furnishing conflicting data to different bureaus also violates FCRA 623 ( a ) ( 1 ) ( A ) because it is factually inaccurate. 

I am filing this complaint because Self Financial / Lead Bank XXXX XXXX XXXX Bank Self is furnishing materially inconsistent and inaccurate information to all three credit bureaus. These tradelines can not be verified accurately and prior disputes were marked verified without correcting the errors, in violation of the Fair Credit Reporting Act ( FCRA ). 

The following accounts appear on my credit reports : Self/Lead Bank Account ending in XXXX XXXX XXXX Bank Self Account XXXX XXXX XXXX Self/Lead Bank revolving Account ending XXXX XXXX I have attached copies of how these accounts appear on XXXX XXXX and XXXX XXXX Each bureau shows different repayment history, different late codes, different balances, different past-due amounts, different status dates, and even different creditor names. These inconsistencies violate FCRA 607 ( b ) because the information is not reported with maximum possible accuracy. I have also attached Self Financial / Lead Bank XXXX XXXX XXXX Bank Self response from previous CFPB complaint filed on XX/XX/year>. 

I previously disputed these Self accounts with all three credit bureaus. Each bureau marked the accounts as verified without providing the method of verification, violating FCRA 611 ( a ) ( 7 ). The reinvestigation was not reasonable under FCRA 611 ( a ) ( 1 ) ( A ) because the accounts continue to show conflicting and inaccurate information. 

Because the reporting is inconsistent, unverifiable, and not furnished accurately across bureaus, these tradelines must be deleted under FCRA 611 ( a ) ( 5 ) ( A ). 

I, XXXX XXXX XXXX, am the person filing this complaint. No third party is involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL

Complaint narrative:
XX/XX/year> at XXXX someone named XXXX XXXX was able to gain access to my bank app login and take {$14.00} from my account through a chime bank to bank transfer I was working during this time in XXXX XXXX XXXX  when this occurred and I filed a dispute with chime regarding the unauthorized transaction but they failed to provide good claims and denied my dispute on a legit fraud claim on the banking app it states that XXXX XXXX account is based out of XXXX XXXX and the last time Ive went through XXXX XXXX  was last XXXX nor do I have any acquaintances whom live in that state

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NAVY FEDERAL CREDIT UNION
State: WI

Complaint narrative:
b'i am stressed out because this company is violating my rights Under 15 U.S.C.  1681s\x022(a), data furnishers are required to report only accurate and complete information.\nReporting unverifiable or inaccurate data is a violation of federal law.'

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: PA

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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 2025-11-14 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: NJ

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 ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Creditor Name : [ XXXX XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX 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 2025-11-14 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: NC

Complaint narrative:
I am writing to dispute several accounts that are inaccurately reported on my Equifax credit report. Below are the details of the disputed accounts, including charged-off accounts, inquiries, and late payments : Charged-Off 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 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 XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( 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 2025-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: CA

Complaint narrative:
Subject : Formal Dispute of Inaccurate Information on My Credit Report Dear TransUnion, I am writing to formally dispute inaccurate information that appears on my credit file with your bureau. This letter is being sent pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and 15 U.S.C. 1605 ( a ) regarding finance charges.

On my credit report, the account listed below is being reported with late payments. However, under 15 U.S.C. 1605 ( a ), if a finance charge was included in the sum of all payments for this account, there should not be any late payments reported. 
Account in Question : Creditor Name : XXXX XXXX Account Number : XXXX Reported Late Payments : XX/XX/XXXX Creditor Name : XXXX  Account Number : XXXX Reported Late Payments : XX/XX/XXXX Creditor Name : XXXX Account Number : XXXX Reported Late Payments : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am filing a dispute with Equifax regarding the following accounts. The issues outlined below need to be resolved promptly to ensure my credit report is accurate and reflects my true credit history. 

Charged Off Accounts XXXX XXXX XXXX XXXX Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$0.00} Issue : This account was mistakenly reported as charged off. Please update this account with the correct status and balance information. 

XXXX Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$0.00} Issue : This account 's reporting is incorrect and needs to be corrected. The balance and status should be revised to accurately reflect the accounts history. 

Inquiries : XXXX  Account Date : XX/XX/XXXX Issue : XXXX made without proper authorization. Please investigate this inquiry and remove it from my report if it is found to be unauthorized. 

XXXX  Account Date : XX/XX/XXXX Issue : This inquiry was made without my consent and should be removed. 

XXXX  Account Date : XX/XX/XXXX Issue : Duplicate inquiry. I request that this unnecessary inquiry be removed. 

XXXX  Account Date : XX/XX/XXXX Issue : This inquiry appears to be unauthorized. It should be reviewed and removed from my credit report. 

XXXX  Account Date : XX/XX/XXXX Issue : Unauthorized inquiry. I kindly ask that this be removed from my report. 

XXXX  Account Date : XX/XX/XXXX Issue : Duplicate inquiry that should be investigated and removed from my credit file. 

XXXX  Account Date : XX/XX/XXXX Issue : Incorrect inquiry that affects my credit score and should be removed immediately. 

XXXX  Account Date : XX/XX/XXXX Issue : Unauthorized inquiry that should be removed to prevent damage to my credit score. 

XXXX  Account Date : XX/XX/XXXX Issue : Unwarranted inquiry that needs to be corrected to prevent further inaccuracies in my report. 

XXXX  Account Date : XX/XX/XXXX Issue : A duplicate inquiry that must be investigated and removed. 

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 XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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:
As a federally protected consumer, I have a right to privacy. A huge part of the FCRA is the privacy of consumer data. My information MUST be dealt with confidentiality and with respect to my right to privacy. This consumer reporting agency is not a bureau. In fact, they are a data broker that was not given any permissible purpose by me to report these items attached. They are defaming my character with this erroneous reporting. Delete all unauthorized items listed in my attached letters and update any late payment history due to the fact that it is misleading and deceptive because I can not be late on my own extension of credit. I am the original creditor. There is no verifiable proof of any late payment! I also attached an invoice for monetary relief since this data broker violated my rights! THESE ITEMS MUST BE DELETED WITHIN 4 DAYS ACCORDING TO FEDERAL LAW!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC
State: FL

Complaint narrative:
I am filing this complaint because XXXX XXXX is illegally reporting a medical collection that violates FCRA, FDCPA, HIPAA, the No Surprises Act, and new medical debt reporting laws. This account ( 1937 ) is being reported as a collection/charge-off, yet XXXX has never provided ANY documentation proving this debt is mine, which is required under multiple federal laws. 
I have disputed this account for over 90 days, and XXXX is deliberately refusing to comply with their legal duties under FCRA 611 ( a ) to conduct a reasonable reinvestigation. They have provided NO itemized bill, NO itemized EOB, NO proof of medical services, NO HIPAA-compliant authorization, NO assignment of debt, and NO proof of ownership, which is required before a medical debt can even be collected. 
XXXX  is also violating the FDCPA, including : FDCPA 807 ( 2 ) ( A ) : Misrepresenting the character, amount, and legal status of the debt.

FDCPA 807 ( 8 ) : Threatening credit damage without proper verification.

FDCPA 809 ( a ) : Failure to provide required validation within 30 days.

FDCPA 813 : Civil liability for continued illegal collection activity. 
Under HIPAA and the Privacy Rule, a medical provider or its agent can not disclose medical billing information to a third party ( including a debt collector ) without proper written authorization. XXXX has never provided ANY proof that they were legally permitted to even possess my medical billing information that alone is a HIPAA violation.

Additionally, this reporting violates the No Surprises Act, which explicitly prohibits billing or collecting certain hospital-based charges without proper disclosure and itemization. XXXX has not provided ANY evidence that this alleged medical service was lawful, authorized, or even billed correctly under updated federal requirements.

On top of that, the furnisher is violating Metro-2 by failing to include required fields such as : Date of first delinquency Date of last payment Accurate payment history Proof of collection status Compliance Condition Codes Their reporting is incomplete, inaccurate, and misleading.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am requesting the removal of this incorrect account from my credit report, as I never authorized its creation or use. Attached are the documents supporting my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: W&A Intermediate Co., LLC
State: TN

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: WA

Complaint narrative:
I am writing to dispute the following accounts on my credit report as they are inaccurate or incomplete. These accounts are being disputed across the three major bureaus : XXXX  ( XXXX ), Experian ( XXXX ), and XXXX  ( XXXX ). Please find the details below for your reference : Charged Off Accounts XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX  XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$6200.00} XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$3500.00} XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$6600.00} XXXX XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXXXXXX - Account Number XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$6000.00} XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2800.00} XXXX  - Account Number : XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$7100.00} Bankruptcy - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$620.00} XXXX  XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} Inquiries XXXX XXXX XXXX XXXX  - Date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX - Date : XX/XX/XXXX XXXX XXXX  - Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  - Date : XX/XX/XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX  XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation