vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-17 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: TX

Complaint narrative:
XXXX XXXX ( Equifax ) Equifax reports No. of Months ( terms ) = XXXX for my open XXXX XXXX XXXX auto loan. TransUnion and Experian correctly show 60 months. Please correct Equifax to 60 months. 

XXXX late payment month misreported ( all bureaus that show the wrong month ) My XXXX XXXX account shows a single 30-day delinquency in early 2025, but the month differs across bureau . Please update the 30-day delinquency to the accurate month and remove it if unsupported. 

XXXX XXXX late payment months misaligned ( Experian, if incorrect on your proof ) XXXX XXXX cards two-year payment grid shows different months for 60- and 30-day late across bureaus. Please correct Experians month coding to match the actual history and remove it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 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: NV

Complaint narrative:
Re : Immediate Action Required- Violation of United States Law : 15 U.S.C. 1666b ( Billing Error ), Fair Credit Reporting Act ; 15 U.S.C 1681a ( 2 ) ( A ) ( i ), 15 U.S.C 6802, and 15 U.S.C. 1637 ( b ) To Whom It May Concern, Upon recent review of my consumer credit report I identified multiple serious billing errors in direct violations of the Truth in Lending Act ( TILA ). I am writing to formally dispute certain late payment entries listed on my credit report, which I believe to be inaccurate or improperly disclosed. Under federal law, I am entitled to a reinvestigation of this matter, and I respectfully request that any unverifiable, incorrect, or misclassified information be promptly removed or corrected. 
Disputed Account Details : Creditor Name : XXXX Card Account Number : XXXX  XXXX Dates of Alleged Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX Dispute Summary : My records and payment history suggest that these reported late payments may have been made within the required timeframe or were misclassified in a way that violates federal consumer reporting guidelines.

Legal Grounds for Dispute : 15 U.S.C. 1666b : Mandates a minimum 21-day grac
e period before a payment can be reported as late.

15 U.S.C. 1681a ( 2 ) ( A ) ( i ) : Excludes information based solely on experiences between a consumer and a creditor from the definition of a consumer report, making such data impermissible if reported improperly. 15 U.S.C. 6802 : Prohibits unauthorized or improper disclosure of consumer financial information under the Gramm-Leach-Bliley Act.

15 U.S.C. 1637 ( b ) : Requires creditors to provide clear, itemized billing statements for each cycle where a balance or finance charge exists. If such documentation is missing or deficient, any reported delinquency lacks legal substantiation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
This is concerning a debt thats not mine from commercial acceptance for XXXXmy rights are being violated your violating 15 USC 1681 ( A ) ( B ) FDCPA 809 FDCPA title 15 Section 1692-1692P Of the United States codes

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 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are several inaccuracies on my credit report that i am disputing

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 2025-08-17 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: GA

Complaint narrative:
There are several inaccuracies on my credit report that i am disputing

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 2025-08-17 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: GA

Complaint narrative:
There are several inaccuracies on my credit report that i am disputing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/XXXX, I paid for a balance transfer card with citi bank application was denied. I was told I would receive a written description of why never received a letter they would not talk to me over the phone.

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 2025-08-17 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: Shellpoint Partners, LLC
State: MO

Complaint narrative:
Newrez-Shellpoint company XXXX XXXX XXXX XXXX has not removed this foreclosure account from my credit bureaus. It is still being reflected and this account does not belong to me. Please help me get this removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MD XXXX XX/XX/2025 Midland Credit Management XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, MI XXXX Re : Cease and Desist Account # XXXX To Whom It May Concern : Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I hereby demand that you cease all communication with me regarding the above-referenced alleged debt.

This letter serves as my formal notice that I do not wish to be contacted by your company, its agents, employees, or representatives in any way, including but not limited to telephone calls, written correspondence, electronic communications, or personal visits.

Under 15 U.S.C. 1692c ( c ), once you have received this notice, you are prohibited from contacting me further except to advise me that : 1. You are ceasing collection efforts ; or 2. You intend to invoke a specified legal remedy. 


Please be advised that failure to comply with this demand will constitute a violation of federal law and may result in legal action against your agency, including but not limited to filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and my State Attorney Generals Office. 

I expect your compliance with this request immediately. 



Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Chime Financial Inc
State: MI

Complaint narrative:
I went to XX/XX/XXXXand when I got out, I was no longer able to access my bank account. I was XX/XX/XXXXand the XX/XX/XXXXXX/XX/XXXXfor XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX CARD on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX  XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX CARD on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$32000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This includes any proof that the creditor had a permissible purpose for making claimed accounts and inquiries. 
I will be monitoring this situation closely, and I expect to receive a response from you within XXXX  days. 
It's imperative that you confirm and verify that the items are indeed reporting correctly or remove them permanently from my report. I also request you to send me a hard copy of your actions and my updated credit report, which should be sent via mail. 
The allegations appear to be inaccurate, and I urge you to provide accurate and verified information for each claim ; otherwise, we will have no choice but to take legal action against you! 
Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, IL XXXX PERSONAL INFORMATION Current Address ( es ) XXXX- XX/XX/year> XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: DE

Complaint narrative:
I recently received a copy of my report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-08-17 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: IN

Complaint narrative:
There has been fraudulent accounts made to my consumer report that I do not recognize as mine, several unauthorized charges made to my account that is not mine at all

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 2025-08-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

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 2025-08-18 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: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
Dear This letter is being sent to you in response to : XXXX  XXXX ( 1 ) - Notice sent to me on _, 20_ - Response to a listing on my Credit Report. 
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX  ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I was checking my credit report, came across information I did not recognize, which is either out dated, totally wrong, Iam a victim of equifax data breach, I believe this wrong information reporting to my reports are due to equifax data fraud breach, Im asking relief to remove this information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: AR

Complaint narrative:
I took a look at my credit report and noticed a fraud account listed.

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 2025-08-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint against TransUnion for failing to comply with FCRA 1681e ( b ), 1681i ( a ), and 1681i ( 5 ). 

Account-Level Inaccuracies XXXX XXXX  Metro 2 Violations : XXXX, XXXX, XXXX, XXXX, XXXX Issues : Conflicting OK and CO codes, improper monthly charge-off reporting after DOFD, limit inconsistent with high credit. 

XXXX XXXX XXXX XXXX Metro 2 Violations : XXXX, XXXX, XXXX, XXXX, XXXX Issues : Contradictory late entries, incorrect DOFD sequencing, balance/limit inconsistency. 

XXXX XXXX Metro 2 Violations : XXXX, XXXX, XXXX, XXXX Issues : Status Charge-Off while payment rating is OK, incorrect account type, high credit mismatch. 

XXXX XXXX Metro 2 Violations : XXXX, XXXX, XXXX, XXXX Issues : Reports both OK and CO in same months, improper charge-off after XXXX, misreported limit. 

XXXX XXXX Metro 2 Violations : XXXX, XXXX, XXXX, XXXX, XXXX Issues : Invalid date order, balances exceed limit, misapplied charge-off codes, conflicting statuses. 

XXXX XXXX Metro 2 Violations : XXXX, XXXX, XXXX, XXXX, XXXX Issues : OK and CO codes for same month, inaccurate balance, incorrect high credit. 

XXXX XXXX Metro 2 Violations : XXXX, XXXX, XXXX, XXXX, XXXX Issues : Invalid date order, balances exceed limit, misapplied charge-off codes, conflicting statuses.

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 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/year>, XXXX. XXXX XXXX Date of inquiry : XX/XX/year>, XXXX. XXXX XXXX  Date of inquiry : XX/XX/year> XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/year>, XXXX. XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year>, XXXX. XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year>. 
Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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:
I checked my latest credit report and noticed multiple fraudulent accounts that do not belong to me and and are embarrassing for me to move forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: TX

Complaint narrative:
I checked my latest credit report and noticed multiple fraudulent accounts that do not belong to me and and are embarrassing for me to move forward.

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