vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-31 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX - XXXX * * * * * * * * * * XXXX EXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-31 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: Sunbit, Inc.
State: TX

Complaint narrative:
TAB/ SUNBIT XXXX Inaccuracies : Reported XXXX XXXX but no late payment or default history supports this. 

Last activity reported months after account closure. 

No creditor notice or validation of the debt provided. 

Violations : FCRA 607 ( b ) : Reporting unverifiable charge-off.

FDCPA 809 ( a ) : Failure to validate debt before reporting to bureaus.

15 USC 1681s-2 ( a ) : Failure to ensure accurate information before furnishing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
When reviewing my credit report, I discovered several hard inquiries that I never authorized. 
These inquiries do not correspond to any applications or credit requests that I made, and I believe they may have resulted from identity theft or misuse of my personal information. 
To protect myself and follow the proper legal process, I filed a Police Report ( XXXX XXXX. XXXX ) documenting the unauthorized activity. 
Under the Fair Credit Reporting Act ( FCRA ), once a valid identity-theft report is submitted, the credit bureau is legally required to block and delete any unauthorized information within four ( 4 ) business days.

This requirement is clearly established under FCRA Section 605B ( 15 U.S.C. 1681c-2 ).

Despite providing my police report and full documentation, the unauthorized hard inquiries remain on my credit file. 
Each inquiry represents access to my private credit data without permissible purpose, violating FCRA Section 604 ( 15 U.S.C. 1681b ).

The continued appearance of these inquiries has harmed my credit score and raised concerns about the security of my personal information.

It is unfair that I should suffer damage to my creditworthiness due to inquiries that I never authorized or initiated.

I have acted responsibly by filing a police report, gathering proof, and contacting the bureau directly. 
However, no correction has been made, and I am now seeking the CFPBs intervention to ensure compliance with federal law and restoration of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: LA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-10-31 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: WV

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see 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 non-monetary relief
Consumer complaint received 2025-10-31 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: LA

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 2025-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CT

Complaint narrative:
My name is XXXX XXXX. I had several transactions I didnt authorize. Ive had the dispute opened and closed XXXX or more times with XXXX resolution. Chime customer service agrees I shoukd get the fees back, but repeat the same script over and over with just a repeated outcome. These charges were made by non existent or they are out of the country if they do exist. 

Ive attempted several times to resolve this and they either hang up on me, or just repeat themselves and regurgitate the same information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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:
Charged-Off Account XXXX FUNDING Acct # : XXXX * * * * Date Reported : XX/XX/2025 Amount : {$1000.00} I do not believe this debt is being accurately reported. I am requesting verification directly from the original creditor and proof of ownership. If Equifax can not provide sufficient documentation confirming the validity and current status of this account, I am requesting its deletion under FCRA 611. 

Inquiries None listed for Equifax. 
If there are any unlisted inquiries on file that I did not authorize, please review them for permissible purpose and remove any that can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: FL

Complaint narrative:
Victim of Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA 604, 609, 611 ; 15 USC 1681 ( s ) -2 ; 15 USC 1681e ( b ) ; 15 USC 1681i ( 5 ) ( a ) ; 15 USC 1681i ( 7 ) ; 15 U.S.C. 1681s-2 ( b ) & 15 U.S.C. 1681e ( b ) I, XXXX XXXX, a Florida Consumer, has been impacted by Equifax XXXX and XXXX XXXX XXXX XXXX data breaches and declare under penalty of perjury ( 28 U.S.C. 1746 ) that the following is true and correct II. Identity Theft and Fraudulent Reporting a. All of the erroneous derogatory information listed below were without my authorization, consent, or signature, either electronic or wet-ink and is erroneous, inaccurate. 

b. The data breaches exposed my Social Security number, Birthdate, Banking XXXX and Credit Card XXXX, enabling repeated fraudulent activity and causing significant harm to my credit files. 

I write as a documented victim of identity theft arising from both the data breaches. Your agency continues to furnish and report demonstrably fraudulent trades lines. Without my authorization, the following fraudulently information is on my credit file. I have never provided any permission for access to my credit files, nor applied for these loans and for accounts to be established in my name. Experian XXXX is illegally reporting these INACCURATE UNVERIFIED accounts : FRAUDULENT ACCOUNT INFORMATION XXXX. XXXX XXXX Bank : Bal {$0.00} : Opened : XX/XX/year> Account lacks permissible purpose and wet-ink signature authorization. 


VIOLATION 1 : 15 U.S.C. 1681e ( b ) : REASONABLE PROCEDURES Experian XXXX FAILED to maintain reasonable procedures by : a ) Reporting accounts WITHOUT any supporting documentation b ) Continuing to report DISPUTED information without verification c ) Using AUTOMATED systems without human oversight d ) IGNORING obvious data integrity failures VIOLATION 2 : 15 U.S.C. 1681i : INVESTIGATION PROCEDURES Experian XXXX dispute investigations are FRAUDULENT : a ) Form letter responses claiming verified WITHOUT investigation b ) PREDETERMINED outcomes regardless of dispute legitimacy c ) REFUSAL to delete unverifiable accounts as required by law I further assert that Experian XXXX has failed to provide an effective investigation or resolution in accordance with my rights under 15 U.S.C. 1681i ( a ) ( 7 ) and 15 U.S.C. 1681i ( 5 ) ( B ) ( ii )- ( iii ). I understand that this attestation is a necessary step in asserting my legal rights. This statement is true and not misleading, my consumer rights has been violated.

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 2025-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: TX

Complaint narrative:
This complaint is also my official request for debt validation to I C System XXXX My attached letter clearly specifies the documents that must be provided under the FDCPA : the original signed contract, proof of ownership or assignment, the purchase agreement, and a detailed accounting of the balance. 
By using the CFPB complaint system, I am making sure my request is documented, forwarded, and acted upon properly. Consumers have the right to full transparency, and I expect I C System XXXX to provide complete validation. 
To further protect my rights under the FCRA, I am also requesting information to verify the accuracy and completeness of the account they reported to the Credit Bureaus : the Date of First Delinquency, the date the account was charged off ; and the date the account was acquired by or assigned to I C System 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 2025-10-31 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: NC

Complaint narrative:
I am an upstanding RETIRED XXXX XXXX who was impacted by Equifax XXXX XXXX and also XXXX XXXX XXXX XXXX. My NAME, XXXX, XXXX, ADDRESS, DRIVERS LICENSE, BANK DETAILS AND CARD NUMBERS WAS IMPACTED AND STOLEN. 

This complaint serves as notice of my intent to pursue binding arbitration and litigation against Experian XXXX. ( Experian ) for violations of federal and state consumer protection laws stemming from your willful and negligent reporting of inaccurate information on my consumer credit report. 

I. INACCURATE ACCOUNT AND INFORMATION Despite my previous disputes, Experian continues to report the following inaccurate information on my consumer credit report : XXXX. PREVIOUS DISPUTES I have previously disputed these inaccurate items with Experian : FRAUDULENT ACCOUNT INFORMATION XXXX. Fraud Account : XXXX XXXX XXXX ; # XXXX ; Balance : {$26000.00} ; Open : XX/XX/year> Despite my reasonable investigation requests Experian has failed to : Conduct a reasonable reinvestigation as required by law Correct or delete the inaccurate information Provide me with adequate documentation supporting the accuracy of these accounts Comply with statutory obligations under the Fair Credit Reporting Act ( FCRA ) Experian violates VIOLATION : 15 U.S.C. 1681i - INVESTIGATION PROCEDURES Experian dispute investigations are FRAUDULENT : a ) Form letter responses claiming verified WITHOUT investigation b ) PREDETERMINED outcomes regardless of dispute legitimacy c ) REFUSAL to delete unverifiable accounts as required by 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 2025-10-31 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: LA

Complaint narrative:
I kindly request that TransUnion review the following accounts and inquiries for accuracy and compliance with the FCRA. I am requesting the removal of inaccurate, incomplete, or unauthorized entries. Please ensure that the information on my credit report is consistent with the FCRA guidelines. 

Accounts in Dispute : CHARGED OFF XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$240.00} XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$3000.00} XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$590.00} XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$960.00} XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$400.00} INQUIRIES CAPITAL XXXX - Date : XX/XX/XXXX FACTUAL DATA - Date : XX/XX/XXXX XXXX XXXX  - Date : XX/XX/XXXX XXXX XXXX - Date : XX/XX/XXXX PEOPLE FACTS - Date : XX/XX/XXXX XXXX - Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: NY

Complaint narrative:
Charged Off Accounts : XXXX  XXXX ( Account : XXXX ) Dispute : This account is listed as charged off on XX/XX/XXXX with a balance of {$1000.00}. Please verify and update the status of this account. 

XXXX  XXXX ( Account : XXXX ) Dispute : The charged-off status reported on XX/XX/XXXX with a balance of {$480.00} is inaccurate. Please investigate and provide the correct status for this account. 

XXXX XXXX XXXX ( Account : XXXX ) Dispute : The charged-off status on XX/XX/XXXX with a balance of {$180.00} is incorrect. Please review and verify the accuracy of this account

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 2025-10-31 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: NY

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-10-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Issues with repayment — 
Company: Dave Operating, LLC
State: NC

Complaint narrative:
I have what's called a cash advance from Dave Inc. I revoked authorization and asked them to stop taking the advance out of my checking account because I lost my job. I put it in writing and revoked authorization a week before the scheduled payment. They refused to revoke authorization to my bank account and ended up taking it from my debit card. Although I have put a stop payment on Dave, They managed to get it through because I didn't specifically stop payment on the debit card. Although all payments were my understanding were supposed to be revoked. They ignore the request to revoke authorization to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

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 2025-10-31 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: ND

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-10-31 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: OH

Complaint narrative:
XXXX addressing the negative accounts I found and listed the inaccuracies and misleading information. I am demanding the description of procedures used in your review. You have 30 days to provide this information. If you fail to comply, the disputed accounts must be deleted. Attached is the letter requesting these procedures.

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 2025-10-31 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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