vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I've been unable to long into my Experian account. When I input the correct login information, it gives me an error message : " Oops, we're sorry! We are unable to process your request. Please call XXXX. '' This number is an AI that does nothing to solve my problem. Through some XXXX, I was able to find methods to talk to a real person ( the AI doesn't let you unless you say very specific phrases ), but they were also unable to help me.

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 2025-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: CT

Complaint narrative:
After receiving a email from Equifax notifying me that my personal information has been in a data breach. I discovered negative and unauthorized information on my credit report, and I immediately contacted Experian, Equifax and TransUnion to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax data breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, which have negatively affected my financial stability and mental well-being, as these negative marks are damaging my credit and financial standing. Specifically, I have faced multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential fraudulent activity tied to the Equifax data breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my financial well-being. 
UNAUTHORIZED ACCOUNTS LISTED BELOW : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: VA

Complaint narrative:
This following addresses listed needs to be removed immediately, I have not lived in any of them XXXX XXXX XXXX XXXX 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 XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
This following addresses listed needs to be removed immediately, I have not lived in any of them XXXX XXXX XXXX XXXX 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 XXXXXXXX

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 2025-07-29 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: FL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : UNAUTHORIZED INQUIRIES : XXXX XXXX TransUnion

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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
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 ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXXXXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: GA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: CA

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: CA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: FL

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of XXXX, and I earnestly hope for a swift resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : UNAUTHORIZED INQUIRIES : XXXX XXXX  TransUnion

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 2025-07-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Servicer under contract with Federal Student Aid
State: MI

Complaint narrative:
On XX/XX/XXXX, I applied for student loan discharges due to the school I attended which was XXXX XXXX XXXX FL XXXX and XXXX XXXX XXXX which is the same school. On XX/XX/XXXX, I was approved for a school discharge. As a result, I became eligible to have my XXXX XXXX eligibility restored, per Department of Education guidelines. I have made multiple attempts to contact the U.S. Department of Education and Federal Student Aid ( FSA ) regarding the restoration of my XXXX XXXX  but I have not received any response or resolution. 

I submitted multiple feedback cases through the official process on StudentAid.gov, following the instructions provided. However, each time, my feedback case was closed without proper explanation or a resolution. I also reached out to the FSA Ombudsman for assistance, but they have not been helpful in resolving my issue or facilitating communication between me and the appropriate department. 

Despite being eligible and following the appropriate procedures, I have received no acknowledgment or action on restoring my XXXX XXXX. It has now been 3 years since I have been waiting for XXXX XXXX XXXX. I have been submitting Feedback cases for at least 6 months total. 

Due to the lack of transparency, communication, and follow-through, I am now escalating this matter to the Consumer Financial Protection Bureau for federal assistance in obtaining a resolution. 

The school name is XXXX XXXX XXXX XXXX XXXX FL and XXXX XXXX XXXX XXXX 
The years attended and how much XXXX XXXX was disbursed are as follows : XXXX XXXX Scheduled XXXX XXXX - {$3700.00}, Percent Disbursed XXXX %, Disbursed XXXX XXXX {$1200.00} XXXX - XXXX, Scheduled XXXX XXXX {$2600.00}, Percent XXXX %, Disbursed XXXX {$1700.00} XXXX - XXXX, Scheduled XXXXXXXX XXXX {$3300.00}, Percent XXXX %, Disbursed XXXX XXXX$3300.00} XXXX - XXXX XXXX Scheduled XXXX XXXX {$5700.00}, Percent Disbursed-XXXX %, Disbursed XXXX {$1900.00} XXXX - XXXX, Scheduled XXXXXXXX XXXX  {$5700.00}, Percent XXXX %, Disbursed XXXX {$5700.00} XXXX - XXXX, Scheduled XXXX XXXX {$5800.00}, Percent XXXX %, Disbursed XXXX {$5800.00} XXXX - XXXX, Scheduled XXXX XXXX {$5900.00}, Percent XXXX %, Disbursed XXXX {$1900.00}

Company response to consumer: Untimely response
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Chime Financial Inc
State: TX

Complaint narrative:
Chime reported a {$20.00} balance on my credit report dating back to XXXX I tried multiple times to pay this {$20.00}, but my Chime account was closed and I had no way to pay. I contacted Chime, and a representative cleared the {$20.00} balance and told me the account would be deleted from all credit bureaus. 

Despite this, XXXX XXXX XXXX XXXX are still reporting the account. I have been disputing this with the bureaus since XXXX but no one has corrected the inaccurate information. Chimes own records now show a {$0.00} balance, which I have attached as proof. 

This account should be * * completely deleted * * from my credit reports, as the {$20.00} balance was cleared, I was prevented from paying it sooner due to Chimes actions, and continued reporting is inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: NJ

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXXXXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXXXXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing this complaint with absolute certainty and deep frustration. There are numerous errors on my credit report that I can no longer overlook, as they have been negatively affecting my life and damaging my credit scoremaking it difficult for me to achieve financial stability and freedom.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: NY

Complaint narrative:
I am writing this complaint with absolute certainty and deep frustration. There are numerous errors on my credit report that I can no longer overlook, as they have been negatively affecting my life and damaging my credit scoremaking it difficult for me to achieve financial stability and freedom.

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 2025-07-29 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: NJ

Complaint narrative:
I am filing a formal complaint regarding XXXX inaccurate and harmful charge-off accounts that continue to be reported on my credit file by XXXX Card, XXXX XXXX XXXX XXXX XXXX and XXXX across all XXXX  XXXX credit bureaus ( XXXX, Experian, and XXXX  XXXX. 

Despite previous disputes, these accounts are reporting information that is factually inconsistent, incomplete, and in violation of the Fair Credit Reporting Act ( FCRA ) 607 ( b ) and 611, as well as Metro 2 compliance guidelines. 

Account # XXXX : XXXX XXXX XXXX charge-off with a {$4100.00} balance while simultaneously showing past due balancesthis is inaccurate per XXXX XXXX XXXX 
Equifax reflects XXXX XXXX late payments, while TransUnion shows the account closed in 2020 with no recent activity, which is inconsistent and misleading. 
The account was not properly updated after being disputedFCRA 623 ( a ) ( 3 ) violation. 

Account # XXXX : XXXX  XXXX Auto Loan Reporting a {$430.00} balance as past due even after being closed and charged off, which violates FCRA accuracy standards and XXXX XXXX. 
Monthly late payments are reported after the closed/charge-off date, indicating possible re-aging of debt. 
Payment status and timeline do not align across bureaus, suggesting incorrect or incomplete data updates. 

Account # XXXX : XXXX / XXXX This charge-off account shows XXXX months of XXXX lates post-closure, which is excessive and not possible if charged off in 2020. 
Remarks vary across bureaus : Dispute resolved consumer disagrees vs. XXXX disputes after resolution, which raises concerns of poor dispute handling and system-wide inconsistency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: NJ

Complaint narrative:
I am filing a formal complaint regarding XXXX inaccurate and harmful charge-off accounts that continue to be reported on my credit file by XXXX Card, XXXX XXXX XXXX XXXX XXXX and XXXX across all XXXX  XXXX credit bureaus ( XXXX, Experian, and XXXX  XXXX. 

Despite previous disputes, these accounts are reporting information that is factually inconsistent, incomplete, and in violation of the Fair Credit Reporting Act ( FCRA ) 607 ( b ) and 611, as well as Metro 2 compliance guidelines. 

Account # XXXX : XXXX XXXX XXXX charge-off with a {$4100.00} balance while simultaneously showing past due balancesthis is inaccurate per XXXX XXXX XXXX 
Equifax reflects XXXX XXXX late payments, while TransUnion shows the account closed in 2020 with no recent activity, which is inconsistent and misleading. 
The account was not properly updated after being disputedFCRA 623 ( a ) ( 3 ) violation. 

Account # XXXX : XXXX  XXXX Auto Loan Reporting a {$430.00} balance as past due even after being closed and charged off, which violates FCRA accuracy standards and XXXX XXXX. 
Monthly late payments are reported after the closed/charge-off date, indicating possible re-aging of debt. 
Payment status and timeline do not align across bureaus, suggesting incorrect or incomplete data updates. 

Account # XXXX : XXXX / XXXX This charge-off account shows XXXX months of XXXX lates post-closure, which is excessive and not possible if charged off in 2020. 
Remarks vary across bureaus : Dispute resolved consumer disagrees vs. XXXX disputes after resolution, which raises concerns of poor dispute handling and system-wide inconsistency.

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