vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 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: NC

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 2025-11-03 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: GA

Complaint narrative:
I am a victim of identity theft and would like the following account removed.

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 2025-11-03 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: GA

Complaint narrative:
I am a victim of identity theft and would like the following account removed.

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 2025-11-03 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: GA

Complaint narrative:
I am a victim of identity theft and would like the following account removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: CA

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 ] 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 2025-11-03 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: SC

Complaint narrative:
I have disputed the accuracy and legality of several negative accounts listed on credit profile. Each either misrepresents my payment history, has no validation, or is being re-aged in violation of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Repeated charge-off updates Re-aging / inaccurate monthly reporting FCRA XXXX XXXX a ) ( XXXX ) ( A ) Collections without validation No written notice within XXXX  days FDCPA XXXX Accounts older than 7 years Reporting beyond legal period FCRA XXXX ( a ) Hard inquiries you didnt authorize Lack of permissible purpose FCRA XXXX ( a ) ( XXXX ) Paid collections still showing open Failure to update status FCRA XXXX ( a ) XXXX  v. XXXX, XXXX U.S. XXXX XXXX XXXX ) reinforces consumers right to accurate reporting. 

XXXX XXXX. Co. v. XXXX, XXXX U.S. XXXX ( XXXX ) willful non-compliance with FCRA exposes furnishers to liability.

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 2025-11-03 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: SC

Complaint narrative:
I have disputed the accuracy and legality of several negative accounts listed on credit profile. Each either misrepresents my payment history, has no validation, or is being re-aged in violation of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Repeated charge-off updates Re-aging / inaccurate monthly reporting FCRA XXXX XXXX a ) ( XXXX ) ( A ) Collections without validation No written notice within XXXX  days FDCPA XXXX Accounts older than 7 years Reporting beyond legal period FCRA XXXX ( a ) Hard inquiries you didnt authorize Lack of permissible purpose FCRA XXXX ( a ) ( XXXX ) Paid collections still showing open Failure to update status FCRA XXXX ( a ) XXXX  v. XXXX, XXXX U.S. XXXX XXXX XXXX ) reinforces consumers right to accurate reporting. 

XXXX XXXX. Co. v. XXXX, XXXX U.S. XXXX ( XXXX ) willful non-compliance with FCRA exposes furnishers to liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: CA

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-11-03 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: MO

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 2025-11-03 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: CA

Complaint narrative:
Please check the submitted information ; these inquiries were not previously disclosed and may be incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: IL

Complaint narrative:
I submitted a certified dispute to the credit bureau regarding a demonstrably inaccuracy on my credit report. Despite providing complete documentation, the bureau flagrantly failed to conduct a thorough, reasonable reinvestigation as mandated under XXXX U.S.C. XXXX. This neglect constitutes a clear violation of federal law designed to protect consumers from erroneous information.

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 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I submitted a certified dispute to the credit bureau regarding a demonstrably inaccuracy on my credit report. Despite providing complete documentation, the bureau flagrantly failed to conduct a thorough, reasonable reinvestigation as mandated under XXXX U.S.C. XXXX. This neglect constitutes a clear violation of federal law designed to protect consumers from erroneous information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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:
As a consumer working to resolve discrepancies in my credit file, I am filing a dispute with the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate and incomplete reporting. 
TransUnion : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: MI

Complaint narrative:
Hunter Warfield is attempting to collect a fraudulent housing debt that I do not owe, in violation of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ).

Violations : FDCPA Violations : 1692e False, deceptive, or misleading representation of a debt 1692f Unfair and unconscionable debt collection practices 1692g Failure to provide proper debt validation 1692d Harassment & abusive contact attempts FCRA Violations ( if they reported it ) : 15 U.S.C. 1681s-2 ( a ) Furnishing inaccurate information 15 U.S.C. 1681s-2 ( b ) Failure to investigate after dispute Summary : I lived at XXXX XXXX XXXX XXXX XXXXXXXX XXXX After a legal dispute, a judge ruled I could move out with no balance owed. I vacated in XX/XX/year> with a XXXX balance, and the court matter was closed. 

In XX/XX/year>, XXXX XXXX fabricated a debt of {$30000.00} and sent it to Hunter Warfield, who has been harassing me by mail and phone for over a year attempting to collect it. 

This debt was never owed, never presented in court, and appears to be retaliation because I exercised my legal rights regarding habitability issues and escrow. 

I dispute this debt in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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 review the submitted materials ; these inquiries appeared without any prior notification and may not be authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: LA

Complaint narrative:
On XX/XX/XXXX, I obtained my Experian credit report and identified several inaccuracies involving both closed accounts and unauthorized hard credit inquiries. Despite submitting formal disputes to Experian, Equifax, and TransUnion, the information remains uncorrected. 
Closed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX and reported closed XX/XX/XXXX. The account shows XXXX, XXXX, and XXXX late payments for XX/XX/XXXX through XX/XX/XXXX, even though the loan was fully paid and closed. 
XXXX XXXX XXXX XXXX loan opened XX/XX/XXXX and charged off in XX/XX/XXXX for {$530.00}. No prior written notice of charge-off was received, and the balance was previously settled. 
These items appear to violate the FCRA Section 611 ( 15 U.S.C. 1681i ), which requires that inaccurate or unverifiable information be corrected or removed after a reasonable reinvestigation. The accounts remain misreported, despite prior disputes and evidence submitted. 
Unauthorized XXXX Inquiries : Between XXXX and XX/XX/XXXX, multiple hard inquiries appeared on my credit report that were not initiated or authorized. These inquiries include, but are not limited to : 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 XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX These inquiries were disputed under FCRA Section 605B ( 15 U.S.C. 1681c-2 ) and Section 609 ( e ) regarding information resulting from identity theft. Supporting documentation, including an Identity Theft Report filed through XXXX, was sent to all three credit bureaus on XX/XX/XXXX. 
Actions Taken : Formal disputes mailed to Experian, Equifax, and TransUnion on XX/XX/XXXX, requesting reinvestigation and removal of unauthorized inquiries and inaccurate account data. 
Supporting documentation included identity verification, proof of address, and the FTC Identity Theft Affidavit. 
As of this date, no corrections, deletions, or written investigation results have been received.

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 2025-11-03 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: LA

Complaint narrative:
On XX/XX/XXXX, I obtained my Experian credit report and identified several inaccuracies involving both closed accounts and unauthorized hard credit inquiries. Despite submitting formal disputes to Experian, Equifax, and TransUnion, the information remains uncorrected. 
Closed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX and reported closed XX/XX/XXXX. The account shows XXXX, XXXX, and XXXX late payments for XX/XX/XXXX through XX/XX/XXXX, even though the loan was fully paid and closed. 
XXXX XXXX XXXX XXXX loan opened XX/XX/XXXX and charged off in XX/XX/XXXX for {$530.00}. No prior written notice of charge-off was received, and the balance was previously settled. 
These items appear to violate the FCRA Section 611 ( 15 U.S.C. 1681i ), which requires that inaccurate or unverifiable information be corrected or removed after a reasonable reinvestigation. The accounts remain misreported, despite prior disputes and evidence submitted. 
Unauthorized XXXX Inquiries : Between XXXX and XX/XX/XXXX, multiple hard inquiries appeared on my credit report that were not initiated or authorized. These inquiries include, but are not limited to : 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 XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX These inquiries were disputed under FCRA Section 605B ( 15 U.S.C. 1681c-2 ) and Section 609 ( e ) regarding information resulting from identity theft. Supporting documentation, including an Identity Theft Report filed through XXXX, was sent to all three credit bureaus on XX/XX/XXXX. 
Actions Taken : Formal disputes mailed to Experian, Equifax, and TransUnion on XX/XX/XXXX, requesting reinvestigation and removal of unauthorized inquiries and inaccurate account data. 
Supporting documentation included identity verification, proof of address, and the FTC Identity Theft Affidavit. 
As of this date, no corrections, deletions, or written investigation results have been received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: AL

Complaint narrative:
My name is XXXX XXXX on this date XXXX my money was stolen out of my account some one got my phone that was taken from me and transferred all of my money out my account over XXXX $ ive been trying to get my money back since I filled a police reported reopened my disputes multiple times and still havent go this issue resolved I even got me a lawyer and also uploaded documents showing my account was accessed without my consent everytime I tried to log in my account from new device it kicked me out so I couldnt see any activity on my account and need to get my money back as soon as possible this matter has cost me to get evicted and left me homeless for months.

Company response to consumer: Closed with explanation