vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-01 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-05-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Chime Financial Inc
State: AZ

Complaint narrative:
My card was used with unauthorized charges and I have been sending a documentation to chime to receive my money back and they're not applying it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
We are disputing the most recent credit reporting that reflects delinquent for XX/XX/XXXX and XX/XX/XXXX and active forebearance status. We are in process of refinancing and was notified of this delinquency. 

We requested Loss Mit assistance around XX/XX/XXXX and our application as complete as of XX/XX/XXXX and again in XXXX. Approval for forebearance was mailed XX/XX/XXXX reflecting approval and suspension of payments for 2 months. Expires XX/XX/XXXX. 

We requested extension of Loss Mit assistance XX/XX/XXXX and letter was sent to us dated XX/XX/XXXX that application was incomplete and on XXXX that application was complete. 

Letter sent to us XX/XX/XXXX indicating the new FB terms of payment suspension for 3 months effective XX/XX/XXXX, {$0.00} payment which we accepted. 

Letter sent to us again on XX/XX/XXXX indicating the approval of the Forbearance Plan under Special Forbearance with monthly pmt of {$0.00}, payments suspended in pmt of {$3500.00} for 3 months which was accepted. 

We brought the loan current on XX/XX/XXXX and received confirmation of removal from Loss Mit. 

There was not gap in our Loss Mit requests and FB agreements so I fail to understand why XXXX and XXXX are reporting delinquent and active forbearance. This would have been for the XX/XX/XXXX credit update.

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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
We are disputing the most recent credit reporting that reflects delinquent for XX/XX/XXXX and XX/XX/XXXX and active forebearance status. We are in process of refinancing and was notified of this delinquency. 

We requested Loss Mit assistance around XX/XX/XXXX and our application as complete as of XX/XX/XXXX and again in XXXX. Approval for forebearance was mailed XX/XX/XXXX reflecting approval and suspension of payments for 2 months. Expires XX/XX/XXXX. 

We requested extension of Loss Mit assistance XX/XX/XXXX and letter was sent to us dated XX/XX/XXXX that application was incomplete and on XXXX that application was complete. 

Letter sent to us XX/XX/XXXX indicating the new FB terms of payment suspension for 3 months effective XX/XX/XXXX, {$0.00} payment which we accepted. 

Letter sent to us again on XX/XX/XXXX indicating the approval of the Forbearance Plan under Special Forbearance with monthly pmt of {$0.00}, payments suspended in pmt of {$3500.00} for 3 months which was accepted. 

We brought the loan current on XX/XX/XXXX and received confirmation of removal from Loss Mit. 

There was not gap in our Loss Mit requests and FB agreements so I fail to understand why XXXX and XXXX are reporting delinquent and active forbearance. This would have been for the XX/XX/XXXX credit update.

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 2025-05-01 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: OH

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 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 2025-05-01 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: TX

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

XXXX XXXX  # XXXX XX/XX/year> -- {$1000.00}

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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-05-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: VA

Complaint narrative:
XX/XX/year> i saw a colletions on my credit report. I reached out to them and they would not tell me any info until i paid XXXX dollar for their report over the phone. I was told it was for XXXX XXXX (? ) And they refused to provide me any service dates. I was then told i was not rrsponsible for the collection ot was a mistake but for XXXX dollars they woyud call and remove it from credit report. They also saod for additional charge they would remove recent hard and soft credit checks. I told them this felt like extortion to pay to remove a mistaken collection. She then offered to do it for XXXX I said this is extortion and ended the call. I feel this is fraudulent and it is extortion and it dropped my credit almost XXXX points. I never recieved any communication and found this on my credit report and i contacted them.

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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: MD

Complaint narrative:
-- Equifax failed to provide a response to the dispute request within 30 days -- original request/ debt dispute letter mailed XX/XX/XXXX -- dispute response mailed XX/XX/XXXX -- took Equifax 71 days to respond to dispute claims -- same day debt verified as accurate, Equifax claims that they can not verify my identity. You can not verify a debt for a person whom you can not properly identify

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: FL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I am unable to access my Experian account due to outdated contact information ( email and phone ), and Experian has made it impossible to reach a real person to update my credentials or file a dispute. Ive attempted to call multiple numbers, including the one provided by an agent, but the system only routes me to an automated loop and then hangs up. 

I urgently need to dispute two major errors on my Experian credit report : 1. A dismissed bankruptcy that should have been removed.

2. A charged-off account that continues to inaccurately report missed payments each month, even though the account was closed long ago.

Ive already disputed and resolved these issues with XXXX and XXXX, but I am locked out of doing the same with Experian through no fault of my own. These negative items are significantly impacting my credit score and my ability to finance a reliable vehicle.

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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. Application
Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2025-05-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
this company reported an inaccurate debt to my credit and for a year and half have been giving me the run around i submitted all docs requested showing that the debt is not mine and still no resolution or responses.

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 2025-05-01 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: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-01 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: TX

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXXalance {$1000.00} Open Date XX/XX/XXXX XXXX XXXX  XXXX XXXX Balance {$7600.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$7600.00} Open Date XX/XX/XXXX XXXX  XXXX XXXX  XXXX Balance {$680.00} Open Date XX/XX/XXXX XXXX  XXXX Balance {$0.00} Open Date XXXX XXXX, XXXX XXXX  XXXX Balance {$0.00} Open Date XXXX XXXX, XXXXXXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXXXXXX XXXX XXXX Balance {$1200.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$350.00} Open Date XX/XX/XXXX XXXX, XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$3700.00} Open Date XX/XX/XXXX XXXX XXXX XXXX  Balance {$1000.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$910.00} Open Date XX/XX/XXXX XXXX XXXX LL Balance {$520.00} Open Date XX/XX/XXXX XXXX XXXX XXXX  Balance {$480.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$290.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$280.00} Open Date XX/XX/XXXXXXXX XXXX XXXX Balance {$95.00} Open Date XXXX XXXX, XXXX Inquiries XXXX XXXX XXXX  Date XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harley Davidson Financial Services Inc
State: KY

Complaint narrative:
I have been receiving phone calls continuously at work from Harley Davidson financial services after arranging a payment plan. I have been paying as agreed with my initial caseworker. I continue to receive multiple calls a day from them from different agents while they have been made aware of my work schedule. I have explained my situation and inability to return the vehicle in question. They have hired an individual by the name of XXXX XXXX, he continues to contact people that I have worked with in the past, family members, and friends. There is no telling who else he has contacted in regards to this matter. I have all kinds of people reaching out to me on XXXX telling me that he has contacted them for information on me. Harley Davidson and XXXX have contacted friends and family that where never put on my credit application to the point a few of them have had to threaten legal action to stop the calls. The agreement made is to make a payment every two weeks on pay day until the situation is remedied. This was acceptable for my first case manager and has subsequently been passed on to other departments that have called and threatened everything from forcefully entering my storage unit, to taking other legal actions. I made it clear that my work is driving a commercial truck and I can not answer the phone while driving. I have asked them to not call me at work and they continue. XXXX XXXX refuses to tell me the company he works for, just some abbreviation. When I spoke to XXXX XXXX about him, they informed me he is just an investigator.

Company response to consumer: Closed with explanation