vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. 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
Consumer complaint received 2025-08-09 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 recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. 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 explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Alorica Inc.
State: OH

Complaint narrative:
Dear Sir/Madam, I am writing to formally submit a complaint against XXXX  for continuing to report a 60-day late payment on an account that was XXXX in bankruptcy. This information is not only inaccurate, but it is also misleading and violates my rights under the Fair Credit Reporting Act ( FCRA ) and the Bankruptcy Code. 

Account Information : Creditor : XXXX XXXX XXXX XXXX XXXX Account Number : I don't know Date of Bankruptcy Discharge : XX/XX/XXXX Case Number : XXXX Details of the Complaint : I filed for bankruptcy under XXXX XXXX XXXXXX/XX/XXXX ] in [ Year ], and the account referenced above was included in my bankruptcy filing. On [ Date of Discharge ], my bankruptcy was XXXX, and I am no longer liable for this debt. According to the Bankruptcy Code, once a debt is discharged, I am no longer legally responsible for repaying it, and all collection efforts must cease. The creditor was notified of the discharge, and the debt was eliminated. 
However, XXXX continues to report that the account is 60 days past due, which is false and inaccurate. The account should reflect a XXXX balance and should include a notation that the debt was XXXX in bankruptcy. Reporting it as " past due '' misrepresents my creditworthiness and violates the protections granted to me under the Fair Credit Reporting Act ( FCRA ), which mandates that all credit information be accurate and truthful. It also violates the discharge injunction under the Bankruptcy Code, which prohibits creditors from continuing collection activity on XXXX debts. 

Request for Action : I respectfully request that the Consumer Financial Protection Bureau intervene to : Investigate the inaccurate reporting by XXXX. 
Ensure that the account is corrected to reflect a XXXX balance and marked as XXXX in bankruptcy. 
Instruct XXXX to remove any references to XXXX late payments or any other negative remarks associated with the account that no longer reflects my actual liability. 
Take appropriate enforcement actions if necessary to ensure XXXX complies with federal regulations and my rights as a consumer. 
Supporting Documentation : A copy of my bankruptcy discharge order. 
A copy of my credit report from XXXX showing the incorrect reporting. 
on XXXX XXXX XXXX XXXX XXXXXXXX I have already disputed this inaccurate reporting directly with XXXX and the original creditor, but the issue persists. I appreciate your attention to this matter and look forward to your prompt resolution. 
Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: AL

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX ) has officially closed the account in their system. 
Theyre no longer collecting on it. 
Theyve requested all credit bureaus to remove the account from your credit report. 
They submit credit reporting updates every Monday, and they say it can take 3045 days for the deletion to appear on your reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: MI

Complaint narrative:
my account was closed with money in it then magically reopened empty. I disputed transactions and they only refunded me for XXXX! For that reason XXXX dont use it often. My money has already been taken by Chime now all of this fraudulent nonsense! I am XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: Experian Information Solutions Inc.
State: GA

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

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

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

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

Company 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 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS, XXXX TransUnion LLC, Consumer Disclosure Center, XXXX. XXXX XXXX, XXXX, PA XXXX Last XXXX of XXXX : XXXX To whom it XXXX concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows Name : This is my legal name : XXXX XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 

Address : Please be sure that my address is listedcorrectly. My address should read : XXXX XXXX XXXX XXXX XXXX KS, Please remove ANY other information you are currently reporting as they are NOT accurate. I have attached my XXXX card as well as a recent copy of my ( Social security card, utility bill, Etc ) for your verification. 
Sincerely, 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 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS, XXXX TransUnion LLC, Consumer Disclosure Center, XXXX. XXXX XXXX, XXXX, PA XXXX Last XXXX of XXXX : XXXX To whom it XXXX concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows Name : This is my legal name : XXXX XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 

Address : Please be sure that my address is listedcorrectly. My address should read : XXXX XXXX XXXX XXXX XXXX KS, Please remove ANY other information you are currently reporting as they are NOT accurate. I have attached my XXXX card as well as a recent copy of my ( Social security card, utility bill, Etc ) for your verification. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 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: SC

Complaint narrative:
I am filing this complaint because Experian has failed to ensure the accuracy and integrity of my credit file, in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), 1681i ( a ), and 623 ( a ) ( 1 ) ( A ). Despite prior disputes, Experian continues to report misleading and unverified information that is damaging my credit reputation. 

XXXX. XXXX XXXX XXXX  XXXX XXXX Account Issue : This account, opened XX/XX/XXXX, is reported as charged off with a balance of {$0.00}. This is deceptive reporting. If the balance is XXXX, the account should reflect a paid, settled, or closed status without derogatory remarks. Keeping a charge-off label after the balance is cleared misrepresents my payment history and harms my creditworthiness.

Law : FCRA 1681e ( b ) requires credit reporting agencies to assure maximum possible accuracy. FCRA 1681i ( a ) mandates a reasonable reinvestigation when a consumer disputes information. Experian has not corrected this misleading reporting despite my disputes. 

XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX : This account, opened XX/XX/XXXX, is listed as a collection with a balance of {$260.00}. The furnisher has not produced proper validation or proof that this debt is accurate, valid, or even legally owed by me. Reporting a collection without full documentation is both harmful and unlawful.

Law : FCRA 1681i ( a ) requires that Experian conduct a proper reinvestigation of disputed accounts. FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information they know or should know is inaccurate. Continued reporting of this unverified collection violates these provisions.

Harm Caused : These false and unverified entries have negatively affected my credit score, caused financial harm, and resulted in lost opportunities for credit approval. 

Requested Resolution : Remove the XXXX XXXX XXXX account XXXX correct it to reflect an accurate and complete status without derogatory remarks. 

Delete the XXXX XXXXXXXX XXXX XXXXXXXX collection unless complete and verifiable documentation is provided proving its accuracy.

Experians continued reporting of disputed, inaccurate, and unverified information constitutes willful noncompliance with the FCRA. I request the CFPBs intervention to ensure immediate corrective action.

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 2025-08-09 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: PR

Complaint narrative:
15 USC 1602g2 states that there was no evidence of indebtednedss, and no agreement was provided. Please provide proof of my wet signature. If it can not be provided, please remove it immediately. 
Acct # XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: PR

Complaint narrative:
15 USC 1602g2 states that there was no evidence of indebtednedss, and no agreement was provided. Please provide proof of my wet signature. If it can not be provided, please remove it immediately. 
Acct # XXXXXXXX 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 2025-08-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
To Whom It May Concern : This letter serves as my formal and immediate revocation of any and all Power of Attorney ( POA ) previously grantedwhether express, implied, or contained within any contract, agreement, or other instrumentto OneMain Financial or any of its agents, affiliates, representatives, or assigns, in relation to my automobile, vehicle title, registration, insurance, or any other matter pertaining to my motor vehicle. 

Effective immediately upon your receipt of this notice, you and your agents are no longer authorized to act in any capacity on my behalf regarding my vehicle. 

This revocation is made pursuant to my rights under applicable state contract law, common law principles of agency, and the Federal Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq., which requires full transparency and prohibits any unauthorized alterations to a credit or loan agreement. Further, under Uniform Commercial Code ( UCC ) 1-103 and UCC 1-308 , I expressly reserve all rights without prejudice. 

You are hereby directed to : Cease and desist from exercising any authority over my vehicle, its title, or related transactions. 
Confirm in writing, within 10 business days, that your records have been updated to reflect this revocation. 
Provide a copy of any document in your possession purporting to grant such Power of Attorney, including any endorsements, modifications, or addendums. 
Failure to honor this revocation will constitute a violation of my legal rights and may result in a formal complaint being filed with the Consumer Financial Protection Bureau ( CFPB ), my State Attorney Generals Office, and other relevant regulatory bodies. 
I request all future communications regarding my account be conducted in writing and sent to the mailing address above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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:
I have followed all protocol concerning me being a victim of identity theft. As this has been a long process with no results on behalf my social security number, dob, name, etc being exposed on the dark web due to the negligence of these credit bureaus. They are not following the FCRA laws put in place to protect consumers from being victimized over and and. Please remove and block these fraudulentl accounts from my credit file. I have declared that I am a victim of identity theft. WHAT MORE DO THEY WANT. 

XXXX XXXX XXXX  Dispute not available XXXX XXXX mark icon Whats this? 
View Account Details Account status Closed Age of Account 3 months 16 days Late payments XXXX XXXX XXXX XXXX XXXX XXXX Dispute not available XXXX Help mark icon Whats this? 
View Account Details Account status Closed Age of Account 1 year 6 months 11 days Late payments XXXX XXXX XXXX XXXX XXXXXXXX Dispute not available XXXX Help mark icon Whats this? 
View Account Details Account status Closed Age of Account 5 months 8 days Late payments XXXX XXXX XXXX XXXX XXXX Dispute not available XXXX Help mark icon Whats this? 
View Account Details Account status Closed Age of Account 4 months 21 days

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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:
On XX/XX/XXXX, I reviewed my TransUnion credit report and found an inaccurate account being reported by XXXX. This account shows a credit limit of {$200.00}, a derogatory status, and remarks stating both Included in Bankruptcy and Purchased by Another Lender, while also showing Balance : No Info and Current Payment Status : No Info. The payment history shows Warnings for nearly every month since XX/XX/XXXX but also reflects XXXX late payments in the XXXX XXXX Days Late field. 

These contradictions make the account factually inaccurate and misleading. I have no record or proof that this account was included in my bankruptcy, and TransUnion has not provided any verification documents. The account was closed in XX/XX/XXXX, yet it is still reported as derogatory without a balance, further damaging my creditworthiness. 

I sent a formal dispute letter to both XXXX and TransUnion, requesting verification documents, including the signed account agreement, complete payment history, bankruptcy inclusion documentation, and proof of the Purchased by Another Lender remark. To date, I have received no supporting documentation.

As a result of this inaccurate reporting, my credit score has dropped by over 100 points, and I have been denied credit opportunities. I believe this is a violation of the Fair Credit Reporting Act ( FCRA ) 602, 607 ( b ), and 611 ( a ). I am requesting that this account be permanently deleted from my credit file unless the furnisher can provide full documented proof of its 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 2025-08-09 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: PA

Complaint narrative:
I recently reviewed my credit report and discovered several discrepancies that were alarming. There are multiple fraudulent accounts listed that I do not know of. I am disputing these inaccuracies because none of the accounts or transactions shown are mine. I believe I am a victim of identity theft. The presence of these accounts on my credit report warrants immediate removal, as they reflect numerous inaccuracies and unauthorized charges across all credit bureaus. This constitutes a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I request that the accounts listed below be removed under the Fair Credit Reporting Act, 15 U.S. Code 1681i Procedure in case of disputed accuracy. I further request that these accounts and any related inquiries be thoroughly investigated, and upon confirmation of their inaccuracy, permanently deleted 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 2025-08-09 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: PA

Complaint narrative:
I recently reviewed my credit report and discovered several discrepancies that were alarming. There are multiple fraudulent accounts listed that I do not know of. I am disputing these inaccuracies because none of the accounts or transactions shown are mine. I believe I am a victim of identity theft. The presence of these accounts on my credit report warrants immediate removal, as they reflect numerous inaccuracies and unauthorized charges across all credit bureaus. This constitutes a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I request that the accounts listed below be removed under the Fair Credit Reporting Act, 15 U.S. Code 1681i Procedure in case of disputed accuracy. I further request that these accounts and any related inquiries be thoroughly investigated, and upon confirmation of their inaccuracy, permanently deleted from my credit report.

Company response to consumer: Closed with explanation