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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 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: EQUIFAX, INC.
State: TN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
Spring oak capital you have violated my cease and desist 6 times XXXX  states that you reported back to them and they reported back to the CFPB .I keep records of all documents communications with third party debt collectors under 1692, without the prior consent of the consumer given directly to the debt collector the debt collector may not communicate in connection of any debt to any person or media { consumer reporting agencies are media }. according to15USC1692c you have violated my rights to unlawful communication please remove this account XXXXXXXX XXXX XXXX  {$6000.00} plus rights 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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XX/XX/XXXX EXPERIAN Experian XXXX XXXX  XXXX XXXX, TX, XXXX Subject : Dispute of Closed Accounts Not Belonging to Me Dear [ Recipient 's Name ], I hope this letter finds you well. I am writing to formally dispute the closed accounts listed on my credit report that do not belong to me. According to the Fair Credit Reporting Act ( FCRA ) and the Consumer Protection Act, I have the right to dispute any inaccurate information on my credit report, and I believe that these accounts are erroneously associated with my identity. 

I have recently reviewed my credit report and identified several accounts that I do not recognize. These accounts are as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have taken steps to investigate these accounts and have found no evidence that I am associated with them. As per the Consumer Protection Act, I request that you provide verification of the ownership of these accounts within the required timeframe. If you are unable to provide sufficient proof that these accounts are legitimately linked to me, I kindly request that you remove them from my credit report urgently. 

In addition, please confirm the steps you will take to ensure that my rights as a consumer are protected, as stipulated under the law. I would appreciate your prompt attention to this matter and request that you respond to my dispute within the next 30 days. 

Thank you for your cooperation. I look forward to resolving this matter amicably. 

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 2025-11-14 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:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX account # XXXX XXXX  account # XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 2. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years. 
3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly. 

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data.

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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: LA

Complaint narrative:
I am filing this complaint because several items on my credit reports appear to be inaccurate, incomplete, or being reported improperly. I am requesting the CFPBs assistance to have each credit bureau conduct a proper investigation and remove or correct any information that can not be verified according to the Fair Credit Reporting Act ( FCRA ). 


XXXX. Charged-Off Accounts XXXX  Account : XXXX Reported XXXX : XX/XX/XXXX Amount : {$180.00} This account is reporting inaccurate information. I dispute the balance, date of first delinquency, and the validity of the account. Please require the furnisher to provide full verification, including a complete payment history and substantiation of the alleged debt. 

XXXX XXXX Account : XXXX Reported : XX/XX/XXXX Amount : {$230.00} This account appears inaccurate and may be incorrectly associated with me. I dispute the validity, ownership, dates, and balance. 

XXXX. Hard Inquiries The following inquiries were not authorized by me. I request they be removed if the furnishers can not prove permissible purpose : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX. Late Payment Reporting XXXX  Account : XXXX I dispute the reported late payment ( s ). I request documentation supporting the specific due date, posting date, and proof that the payment was actually late. If this can not be verified, it must be corrected or removed.

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: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
after spanding time with spacialiest on XX/XX/XXXX XXXX with experian that some of my inquires was duplicated was advise that some of the inq was had to be colled to the retailer directly wich i did and they had no rercord called up XXXX XXXXXXXX XXXX on the XXXX XXXX am and toled they can not help so i got XXXX bank that never got permition on XX/XX/XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, IA XXXX Phone number ( XXXX ) XXXX Record details On record until XXXX XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XXXX XXXX never got approoved XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX WI XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XXXX XXXX that i never applied as well

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 — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
End of XXXX XXXX  someone opened a XXXX credit card under my name at an outlet & spent over {$300.00}. Barclays called me & put it under fraud status. I then received a letter saying the account is valid & fraud status has been removed & the current balance is {$490.00} ( so they allowed them to spend more after I told them it wasnt me who opened up the card ). They are now reporting my account to the credit bureaus. Since then I froze my credit & they tried to open a XXXX credit card under my name but didnt succeed. Somebody has my social security number. I need Barclays to put this XXXX card back on fraud status & remove the charges. I called again but havent heard back about the status.

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: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HYUNDAI CAPITAL AMERICA
State: AZ

Complaint narrative:
b'Hyundai XXXX XXXX  company XXXX XXXX XXXX XXXX XXXX California XXXXAmount XXXX \n\nVehicle was sold by lien holder wrote off as a loss Im requesting a 1099 (c) from finance company \n\nPlease provide proper documentation or remove 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 2025-11-14 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: AL

Complaint narrative:
I dispute the following accounts, inquiries, and late payments listed on my Experian credit report as they appear to be inaccurate or outdated. 

Charged-Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX BANK Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX XXXX Date : XX/XX/XXXX Late Payments : XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : 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 2025-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: NJ

Complaint narrative:
I am very upset because my wife XXXX XXXX, date of birth XX/XX/XXXX, who I have been married to for XXXX  years XXXX XXXX on XX/XX/XXXX, and since my wife had about XXXX in-her Chime account before passing away, I had ask Chime to rightfully and Legally release them funds to me, me and her shared everything in Life, since we met as little children, and had been together every since, till her untimely death, I have been on the phone with Chime about this several times, I also have an account there with chime, where they could make the deposit of what she had left from her account into mine, or send me out a paper check in the mail, I am Severely XXXX  about my wife, I do not need the stress from how Chime is treating this matter, I have even sent in her XXXX XXXX several times by e-mail to them, and still no response, Please help me resolve this matter, for me and her XXXX children that she left here on earth

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
I have had a credit card account with Bank of America for many years. I have experienced problems on multiple occasions with Bank of America not posting payments in a timely manner. The most recent problem occurred when I paid a balance off with Bank of America. The payment was sent electronically on XX/XX/XXXX. The payment did not post to my account until XX/XX/XXXX. Currently, I am obtaining a mortgage to purchase a home. Because the balance still showed up on my account as of today, XX/XX/year>, my credit score declined approximately XXXX points, which severely impacted my Interest rate for my mortgage, which will be a long-term long lasting impact that I will have. Bank of America is notorious for not posting payments on time. I contacted them to ask them to research the payment date and I asked them to please update the credit report. I have done this on two occasions now. it still has not been done. As of XX/XX/year> this payment has still not been reported to the credit agency. This is fraudulent and manipulative and completely outrageous.

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: TX

Complaint narrative:
Please delete these unauthorized accounts from my credit report, as I neither approved their creation nor was aware of them. Per USC 1681g, I request their removal within 15 days. Attached are supporting documents.

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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to formally dispute the following accounts reported on my Experian credit report. These accounts appear to be inaccurate and incomplete in violation of the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute : Charged Off Accounts : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$2900.00} XXXX XXXX XXXX XXXX  {$1500.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX  {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$5500.00} XXXX XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$0.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payments 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 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

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 — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MI

Complaint narrative:
I lost my wallet it had my social security card in it someone used my identity to purchase a cell phone I did a police report

Company response to consumer: Closed with explanation
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: IL

Complaint narrative:
I am formally requesting the deletion of this inaccurate account from my credit report, as I never authorized its creation or use. I have included the necessary documents to support my claim.

Company response to consumer: Closed with explanation