vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-06 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 BLOCKED AND REMOVED. 
Kindly remove this inaccurate entry from my credit report as I neither authorized nor recognized this account. Attached are the pertinent documents supporting my assertion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I'm writing to bestow my XXXX  concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. 
I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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:
Please see supporting documents pertaining to XXXX  data breach

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 2025-11-06 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: AZ

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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: TX

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX XXXXXXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX 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 2025-11-06 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: WA

Complaint narrative:
I respectfully request the removal or correction of the following items in my Experian credit report. These entries appear to be inaccurate and may not comply with the FCRA. Please investigate the following accounts and ensure their accuracy. 

Charged Off Accounts : XXXX XXXX XX/XX/XXXX, Account Number : 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 XX/XX/XXXX, Date of Inquiry : XX/XX/XXXX Late Payments : XX/XX/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 2025-11-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Bureaus, Inc.
State: FL

Complaint narrative:
This is a formal dispute and demand for validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. XXXX the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX et seq., and applicable Florida law. The Bureaus is reporting the above-referenced account as a collection/debt buyer account. I hereby dispute this account in its entirety. Required Validation You must provide the following within 30 days : Original Contract / Wet Signature A copy of the original contract bearing my wet ink signature, showing I created this obligation. Proof of Assignment / Chain of Title Complete chain of assignment from the original creditor to The Bureaus. All bills of sale and transfer agreements proving you legally own or were assigned this debt. Itemized Accounting A full breakdown of the alleged { {$990.00} } balance, including principal, interest, late fees, and any other charges. Proof of Licensing Documentation proving The Bureaus is licensed and authorized to collect debts in the State of Florida, including license number, issuing authority, and active status. Credit Reporting Authority Proof that you are legally permitted to furnish this information to XXXX XXXX or XXXX while the account is in dispute in compliance with 15 U.S.C. XXXX. Notice to Cease Collection Until you produce full and proper validation, you must : Cease all collection activity. Cease all reporting to the credit bureaus. Remove this account from my credit file immediately. Any continued attempts to collect or report without validation will constitute willful violations of FDCPA and FCRA, subjecting The Bureaus to statutory damages, actual damages, attorneys fees, and punitive damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am disputing the following accounts reported by TransUnion that appear to be inaccurate or incomplete. I request that these be investigated, and if they can not be verified, they should be removed from my credit report as required under FCRA 607 ( b ) and 611 ( a ). 

XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3900.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$910.00}

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 2025-11-06 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: NC

Complaint narrative:
I had my ID and SS stolen I had to XXXX XXXX police report. I have several items that I am not familiar with show what ison all 3 credit bureaus. I have requested that the following account be removed/deleted : 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. I have also led a CFPB compliant as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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 had my ID and SS stolen I had to XXXX XXXX police report. I have several items that I am not familiar with show what ison all 3 credit bureaus. I have requested that the following account be removed/deleted : 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. I have also led a CFPB compliant 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 2025-11-06 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX incorrectly reported one of my payments as late, even though the payment was submitted on time. My accountant submitted the payment on schedule, but it was later reversed due to an accidental dispute. I received no notification from XXXX XXXX XXXX XXXX XXXX  that the payment had been rejected. 

I only became aware of the issue after it had already been reported to the credit bureaus. Had I been properly notified, I would have immediately resolved the situation. Once I was contacted by XXXX from XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, I brought the account current that same day. 

Because I was never informed that my payment was rejected, I am requesting that XXXX XXXX XXXX XXXX XXXX  update their records and remove the late payment reporting. The lack of notification prevented me from addressing the issue in a timely manner, despite my clear intent and effort to make the payment on time. 

On XX/XX/XXXX, I sent a certified letter to XXXX XXXX XXXX  explaining the issue, but received no response or resolution. 

In late XXXX or early XXXX, I spoke with a representative ( a gentleman whose name I unfortunately dont recall ) who CONFIRMED that I was never notified about the rejected payment until after it was reported 30 days late to the credit bureaus denying me a fair chance to correct it. That phone call should have been recorded and can serve as proof. 

Following that conversation, I sent another letter on XX/XX/XXXX to XXXX XXXX XXXX  again requesting documentation proving I was properly notified. I stated that if no such proof exists, the late payment should be updated or removed from my credit report. I received no response. 

Additionally, on XX/XX/XXXX, I received an email stating that my payment was returned, but it did not specify whether it referred to the XX/XX/XXXX or XX/XX/XXXX payment. If it referred to XXXX, I made a full payment of {$160.00} on XX/XX/XXXX during my phone call with XXXX, so XXXX should not be marked delinquent. If it referred to XXXX, that only further supports my point that I was not notified until after the account was reported late to the credit bureaus. My payments are due on the XXXX or XXXX of each month, so receiving a returned payment email on XX/XX/XXXX for XX/XX/XXXX payment clearly shows that the notice came after the credit reporting occurred.

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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Army and Air Force Exchange Service
State: CA

Complaint narrative:
Subject : Follow-Up on Identity Theft Complaint Military Star Account To Whom It May Concern, This is a follow-up regarding my identity theft complaint against the Military Star account appearing on my credit report. I previously submitted a full statement explaining that this account is the result of identity theft.

In my original submission, I cited the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, which establishes my right to have fraudulent information blocked and deleted from my credit report upon providing an identity theft statement. The law does not require me to submit additional documentation or proof beyond that statement. 

Despite this, the company failed to follow the law. Instead of removing the fraudulent account, they closed my case and simply provided a phone number to call. That response does not resolve the issue, nor does it comply with federal consumer protection requirements. The company has not provided any evidence verifying the account # XXXX nor taken any action to delete the identity theft information. 

By law, once a consumer notifies a company or credit reporting agency that an account is the result of identity theft, the company must block and permanently remove the fraudulent account # XXXX information. Failing to do so violates my rights under the FCRA and continues to cause harm to my credit standing. 

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 2025-11-06 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: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-06 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: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: WI

Complaint narrative:
On XX/XX/XXXX, I accidentally sent {$1000.00} through my Chime account to the wrong person. I immediately contacted Chime and filed a dispute explaining that the payment was sent to the wrong recipient by mistake. 

Chime told me they would review the dispute and that I would receive a credit if the issue was not resolved within 10 days. However, I received a notification one day later saying my dispute was denied because they did not find any error. I filed another dispute and provided all supporting documents, including a screenshot showing that I requested the money back from the recipient and explained it was sent to the wrong person. 

Chime has refused to reopen the dispute, stating I do not have additional documents, even though I already sent everything I could. I believe my case was not properly reviewed and I am requesting a fair reevaluation and assistance in recovering my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Nelnet, Inc.
State: TX

Complaint narrative:
My credit score dropped because they had been sending letters to an address that I didnt reside at.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have identified discrepancies on my TransUnion credit report that I believe are not accurately reflecting my credit history. I respectfully request that the following items be reviewed and updated as necessary. 

CHARGED OFF XXXX  XXXX, Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX, Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$8300.00} XXXX, Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$3700.00} XXXX, Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$130.00} XXXX, Account Number XXXX XXXX, Opened : XX/XX/XXXX, Balance : {$1800.00} INQUIRIES XXXX XXXX Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX  XXXX, Date : XX/XX/XXXX LATE PAYMENT 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 non-monetary relief
Consumer complaint received 2025-11-06 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: TX

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief