vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-22 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: IL

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 XXXX 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 explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
-Initially I applied for the XXXX XXXX XXXX XXXX, but never activated this card. 
-I then received a statement from Barclays Bank that I have been charged ~ {$4000.00} on this card for an account ending in # XXXX. 
-After many phone calls, over several months time, that I had initiated and spent extensive time repeatedly explaining the situation and being transferred from XXXX person to the next, this charge was investigated and deemed fraudulent by Barclays Bank . 
-During these phone calls and trying to resolve this issue and making sure my record has been cleared, I learned of several other credit card accounts opened under my name, certainly without my permission, that I never activated, nor ever received tangible cards for. The accounts ending in # XXXX, # XXXX and # XXXX with new outstanding charges and accrued late fees. 
-Again, I was repeatedly transferred from person to person with no resolution. 
-On the card ending in # XXXX, I was told I had a XXXX XXXX XXXX charge made on XX/XX/XXXX for {$10.00}. I had never made this purchase and had never received a bill for such charges as again this card was never activated nor received. In trying to investigate further on which card this was and to repeatedly stress that these are not my charges, I learned that I have been charged late fees and interest fees as a result of the above charge at XXXX, totaling {$340.00}. This charge is now associated with the account ending in # XXXX. 
-Since XXXX XXXX, I have been calling Barclays, each time being redirected to call XXXX different departments again without any resolve. Between calls to customer service and speaking to management, the issue continues to grow.

-They reported me to collections and due to the above charges, my credit score went d
own.

-I received a bill from XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX stating that as of XX/XX/XXXX, I now owe {$530.00} associated with # XXXX. 
-After attempting to file an additional investigation/complaint with Barclays regarding the above, I received another notice on XX/XX/XXXX simply stating that they are unable to approve the fraud claim.

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 monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: FL

Complaint narrative:
There was a chime outage a day ago XXXX and I still havent had access to my funds or my account. I also put a notice in for my account information to be changed due to the fact there has been multiple transactions made upon my account that has not been from muself and im very unsatisfied with this, every time I speak to someone on the phone they arent any help they read a script and act as if they have no answers for me but what they read and im not happy about the service im being provided or the fact that someone else does have access to my account due to lack of security and communication from this company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Atn : Transunion Dear Transunion Please be advised that I am aware that you assumed a vital role to assemble and evaluate consumer credit and other information on me as the consumer. The fair credit repor4ng act was intended to ensure that you exercise your grave responsibility with fairness, impar4ality, and respect for the consumers right to privacy! Congress requires you to adopt reasonable procedures for mee4ng the needs of commerce in a manner which is fair and equitable to me with regard to the confiden4ality, accuracy, relevancy and proper u4liza4on of such informa4on.

Congress makes it clear that I have a right to PRIVACY as a federally protected consumer! You con4nue to violate and disrespect my right to privacy which is a direct viola4on of the FCRA and the XXXX XXXX XXXX XXXX! I did not consent or authorize for you, or the people men4oned below to use or share my nonpublic personal informa4on. Please be clear that no consent or authoriza4on id IDENTITY THEFT! Your willful noncompliance has resulted in iden4ty theR which I demand to Cease and desist! Pursuant to 15 us 1681a ( 2 ) congress makes it clear that a consumer report does not contain any transac4ons or experiences. As a result, I am demanding for the following transac4ons and or experiences to be updated in accordance with my wri0en instruc4ons Driveway finance {$11000.00} - Driveway finance {$10000.00} Kikoff List demands Pursuant to 15 USC 1681c-2 ( a ) you have XXXX  days from the date of this no4ce to comply with my demands as set forth in the context above. This will be my first and final a0empt to resolve this as I am prepared to litigate 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 non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Chime Financial Inc
State: FL

Complaint narrative:
I have an open dept affecting my credit score. The creditor is Chime Bank for an old XXXX XXXX Credit Card in the amount of {$8.00}. Chime says that I can not pay this balance because it is more than XXXX  days old, and say that it just going to stay on my credit report. I just want to pay my balance of {$8.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I had an accident and received medical treatment, I am now unable to work due to injury 's, I reach out to Mr. Cooper to request assistance with a short term forbearance. I have not yet fallen delinquent and was looking to get a forbearance plan now, as I will not be able to make my XXXX or XXXX payment due to being out of work. Mr. Cooper agent told me I must be XXXX  days delinquent before I can request a forbearance. This would impact my credit, and I am being diligent to try and avoid negative credit impacts and be proactive. Mr. Cooper than stated I would need to complete a mortgage assistance application or BRP to qualify for XXXX  months and provide income documentation. After the XXXX  months I would need to pay it all back in a lump sum OR would need to complete a BRP or MAA with tax returns and paystubs for XXXX XXXX to approve a payment deferral. Per the servicing guide on knowyouroptions.com this is not accurate information and I feel the servicer is requiring conditions and not following the XXXX XXXX servicing guide. This is causing undue stress in an already stressful time. Per the guide no BRP or MAA is required, just quality right party contact with my qualifying hardship of being out of work and I should be eligible for an initial XXXX  months of Forbearance with the option to defer those 6 months at the end of the forbearance. How if I am not working, would I be able to provide paystubs and pay a lump sum. I feel the servicer is making it hard for people in my situation to obtain hardship assistance when I have always been a on time paying customer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was involved in the equalfax data breach and all my information was used even in the dark web .social security number store accounts XXXX engagement number in equalfax data breach please remove all negative information on my credit file as # XXXX home address XXXX XXXX XXXX XXXX XXXX  tx XXXX Thank You for youre time XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: GA

Complaint narrative:
Subject : FINAL NOTICE DEMAND FOR IMMEDIATE REMOVAL OF INACCURATE LATE PAYMENTS To Whom It May Concern, This letter serves as my final attempt to resolve the matter regarding the inaccurate late payment ( XXXX ) reported on my credit file for the account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  I previously disputed these errors under XXXX U.S.C. XXXX ( a ) of the Fair Credit Reporting Act ( FCRA ) and expected compliance with federal law. However, I have yet to receive sufficient proof verifying the accuracy of this information. The burden of proof is on XXXX to substantiate the legitimacy of this reporting, yet you have failed to provide adequate documentation. 
LEGAL WARNING : FAILURE TO COMPLY WILL RESULT IN LEGAL ACTION If this information can not be verified, you are legally required to delete it immediately from my credit file under the FCRA. 
I am fully prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office should you continue to violate my rights.

If necessary, I will seek legal action against your company for willful noncompliance under 15 U.S.C. 1681n, which allows me to sue for damages, court costs, and attorney fees.

This is your final opportunity to correct these inaccuracies before I escalate this matter. If I do not receive written confirmation of deletion within 15 days, I will proceed with formal complaints and legal action against your organization.

Next Steps Required : Immediately delete the inaccurate late payment ( s ) from my credit report Send me an updated copy of my credit report reflecting these corrections Provide a written statement confirming the removal You may respond to this letter by mail or email, but failure to act will force me to take further action. I expect your response no later than [ Date + 15 Days ]. 
This is a legally binding request. Take action immediately. 
Sincerely, XXXX XXXX XXXX Enclosures : XXXX of XXXX Copy of my previous dispute letter Copy of my credit report highlighting disputed items Copy of my ID and proof of address

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 2025-10-22 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: GA

Complaint narrative:
Subject : FINAL NOTICE DEMAND FOR IMMEDIATE REMOVAL OF INACCURATE LATE PAYMENTS To Whom It May Concern, This letter serves as my final attempt to resolve the matter regarding the inaccurate late payment ( XXXX ) reported on my credit file for the account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  I previously disputed these errors under XXXX U.S.C. XXXX ( a ) of the Fair Credit Reporting Act ( FCRA ) and expected compliance with federal law. However, I have yet to receive sufficient proof verifying the accuracy of this information. The burden of proof is on XXXX to substantiate the legitimacy of this reporting, yet you have failed to provide adequate documentation. 
LEGAL WARNING : FAILURE TO COMPLY WILL RESULT IN LEGAL ACTION If this information can not be verified, you are legally required to delete it immediately from my credit file under the FCRA. 
I am fully prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office should you continue to violate my rights.

If necessary, I will seek legal action against your company for willful noncompliance under 15 U.S.C. 1681n, which allows me to sue for damages, court costs, and attorney fees.

This is your final opportunity to correct these inaccuracies before I escalate this matter. If I do not receive written confirmation of deletion within 15 days, I will proceed with formal complaints and legal action against your organization.

Next Steps Required : Immediately delete the inaccurate late payment ( s ) from my credit report Send me an updated copy of my credit report reflecting these corrections Provide a written statement confirming the removal You may respond to this letter by mail or email, but failure to act will force me to take further action. I expect your response no later than [ Date + 15 Days ]. 
This is a legally binding request. Take action immediately. 
Sincerely, XXXX XXXX XXXX Enclosures : XXXX of XXXX Copy of my previous dispute letter Copy of my credit report highlighting disputed items Copy of my ID and proof of address

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 2025-10-22 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: MI

Complaint narrative:
Between XX/XX/year>, and XX/XX/year>, XXXX XXXX XXXX falsely reported my account as past due, even though my account was never actually delinquent. I had previously contacted the company regarding a payment arrangement that we had agreed upon, which they failed to honor on their end. 

When I noticed the issue, I promptly called their customer service line and spoke with a representative who acknowledged that this was an error on their part. During that call, they confirmed that the delinquency should not have been reported and that they would issue a retraction to all major credit bureaus, including TransUnion. 

While I appreciate that acknowledgment, I am submitting this complaint because I want to ensure that the correction is actually completed and reflected in my credit reports. In the past, XXXX XXXX XXXX  has made similar assurances that were not properly followed through, leaving inaccurate information to remain on my report longer than it should have. 

This false report has caused unnecessary damage to my credit standing, despite my account being in good standing and all payments being made according to the agreed-upon arrangement.

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 2025-10-22 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: MI

Complaint narrative:
Between XX/XX/year>, and XX/XX/year>, XXXX XXXX XXXX  falsely reported my account as past due, even though my account was never actually delinquent. I had previously contacted the company regarding a payment arrangement that we had agreed upon, which they failed to honor on their end. 

When I noticed the issue, I promptly called their customer service line and spoke with a representative who acknowledged that this was an error on their part. During that call, they confirmed that the delinquency should not have been reported and that they would issue a retraction to all major credit bureaus, including XXXX. 

While I appreciate that acknowledgment, I am submitting this complaint because I want to ensure that the correction is actually completed and reflected in my credit reports. In the past, XXXX XXXX XXXX  has made similar assurances that were not properly followed through, leaving inaccurate information to remain on my report longer than it should have. 

This false report has caused unnecessary damage to my credit standing, despite my account being in good standing and all payments being made according to the agreed-upon arrangement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: MI

Complaint narrative:
Between XX/XX/year>, and XX/XX/year>, XXXX XXXX XXXX  falsely reported my account as past due, even though my account was never actually delinquent. I had previously contacted the company regarding a payment arrangement that we had agreed upon, which they failed to honor on their end. 

When I noticed the issue, I promptly called their customer service line and spoke with a representative who acknowledged that this was an error on their part. During that call, they confirmed that the delinquency should not have been reported and that they would issue a retraction to all major credit bureaus, including XXXX. 

While I appreciate that acknowledgment, I am submitting this complaint because I want to ensure that the correction is actually completed and reflected in my credit reports. In the past, XXXX XXXX XXXX  has made similar assurances that were not properly followed through, leaving inaccurate information to remain on my report longer than it should have. 

This false report has caused unnecessary damage to my credit standing, despite my account being in good standing and all payments being made according to the agreed-upon arrangement.

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 2025-10-22 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: CA

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