vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 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:
This is my XXXX  follow-up complaint concerning multiple inaccuracies on my credit file that remain uncorrected despite prior disputes. The furnishers and credit reporting agencies continue to violate the Fair Credit Reporting Act ( FCRA ) by failing to maintain accurate information and by failing to properly investigate and correct the disputed items.Late Open Accounts Reported by 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 across multiple entries. 
This reporting is contradictory and misleading. The accounts show repeated XXXX late entries in XXXX, even though some of them reflect a last activity date as far back as XXXX. Such inconsistencies demonstrate a failure to ensure maximum possible accuracy under FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] .Additionally, the continued failure to correct these issues after multiple disputes violates FCRA 611 [ 15 U.S.C. 1681i ], which requires consumer reporting agencies to conduct a reasonable reinvestigation, and FCRA 623 [ 15 U.S.C. 1681s-2 ], which prohibits furnishers from reporting information they know or should know is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: MD

Complaint narrative:
This is my XXXX  follow-up complaint concerning multiple inaccuracies on my credit file that remain uncorrected despite prior disputes. The furnishers and credit reporting agencies continue to violate the Fair Credit Reporting Act ( FCRA ) by failing to maintain accurate information and by failing to properly investigate and correct the disputed items.Late Open Accounts Reported by 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 across multiple entries. 
This reporting is contradictory and misleading. The accounts show repeated XXXX late entries in XXXX, even though some of them reflect a last activity date as far back as XXXX. Such inconsistencies demonstrate a failure to ensure maximum possible accuracy under FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] .Additionally, the continued failure to correct these issues after multiple disputes violates FCRA 611 [ 15 U.S.C. 1681i ], which requires consumer reporting agencies to conduct a reasonable reinvestigation, and FCRA 623 [ 15 U.S.C. 1681s-2 ], which prohibits furnishers from reporting information they know or should know is inaccurate.

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 2025-09-23 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 have identified inaccurate personal information, including multiple unauthorized name variations and outdated addresses, listed on my credit report that do not belong to me. 

My only legal name is XXXX XXXX as it appears on my Social Security Card ( see Proof Attached ). No other name variation is valid or authorized to appear on my credit profile. 

My only correct and current address isXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Proof Attached ), Any other address different from this one is inaccurate, no longer associated with me, and must be permanently removed from my credit file. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681e ( b ), credit bureaus are required to maintain maximum possible accuracy in the information they report. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ), unverifiable or incorrect information must be deleted. I am formally demanding that you update and correct my personal information to reflect only accurate and verifiable data as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL

Complaint narrative:
Chime denied my dispute after supporting documents included police reports, my receipt, the terms of conditions of the company who originally owns the goods and the terms of the company who sold me the goods that were stolen. My items were stolen items and taken back by the owner company XXXX. XXXX XXXX is who I was disputing. They have decided to refund me {$2300.00} after complaining about this issue to my cash app, yet they are keeping {$820.00} I paid with them from Chime and I have sent Chime that evidence as well and they have also decided to deny my dispute even though clearly my goods and services were never truly received as they were stolen goods that were taken back forcefully by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
CEASE AND DESIST DEMAND Pursuant to 15 U.S.C. 1692c ( c ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Navy Federal Credit Union Acct 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/year> Re : Formal Demand to Cease and Desist Communications To Whom It May Concern, I am formally notifying you, under my rights pursuant to 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), to cease and desist all further communication with me in regard to any alleged debts referenced above. 
Specifically : You are prohibited from contacting me by phone, mail, email, or any other form of communication, except as allowed under the statute ( i.e., to confirm that collection efforts are being terminated or to notify me of specific legal remedies that you intend to pursue ). 
Continued attempts to collect after receipt of this notice will constitute a violation of federal law and will be documented for use in any legal or regulatory complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Texas Attorney Generals Office. 
This demand applies to your company, its agents, affiliates, assignees, attorneys, and any third parties acting on your behalf. 
I expect written confirmation within XXXX business days that you have received and will comply with this cease and desist demand. 
Failure to honor this request will leave me no choice but to pursue all available remedies under federal and state law, including monetary damages, attorneys fees, and reporting violations to appropriate oversight agencies. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: 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 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 2025-09-23 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: FL

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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:
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 identity 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 4 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 2025-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are late payment entries on my credit report that I believe are incorrect. In accordance with 15 USC 1681e ( b ) and 15 USC 1681i, only accurate, complete, and verifiable information should appear on my report. I am requesting verification of these late payments, and if they can not be substantiated, they should be corrected or deleted.

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 2025-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are late payment entries on my credit report that I believe are incorrect. In accordance with 15 USC 1681e ( b ) and 15 USC 1681i, only accurate, complete, and verifiable information should appear on my report. I am requesting verification of these late payments, and if they can not be substantiated, they should be corrected or deleted.

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 2025-09-23 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: CORELOGIC INC
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, CORELOGIC : I am filing this complaint to report fraudulent accounts and inquiries appearing on my XXXX XXXX XXXX XXXX credit file arising from the recent XXXX  data breach. 
These accounts were not authorized by me and must be removed immediately : XXXX XXXX - Account # XXXX - {$41000.00} XXXX - Account # XXXX - {$2900.00} Fraudulent inquiries : XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX ) These were caused by unauthorized access to my personal information due to the recent XXXX XXXX breach, and the resulting entries are inaccurate, unauthorized, and severely harmful to my credit. Legal Basis for Removal Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ) Requires Consumer Reporting Agencies to block identity theft information within 4 business days after receiving an identity theft report and supporting documentation. FCRA 623 ( 15 U.S.C. 1681s-2 ) - Furnishers must investigate and stop reporting fraudulent accounts once notified of identity theft. FCRA 605 ( a ) ( 15 U.S.C. 1681c ) - Prohibits reporting inaccurate or obsolete accounts. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

- Prohibits collection activities on debts that are fraudulent or disputed. Identity Theft and Assumption Deterrence Act, 18 U.S.C. 1028 Makes unauthorized use of personal identifying information a federal crime.

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 2025-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am officially requesting the removal of this inaccurate account from my credit report, as I did not authorize its creation or usage. Supporting documents are enclosed to substantiate my 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 non-monetary relief
Consumer complaint received 2025-09-23 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. 
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I opened XXXX XXXX accounts with the purpose of building credit. XXXX advertises that it helps consumers build credit and improve scores. Despite paying off my accounts and showing improved payment history with XXXX, old late payments are still being reported. 

I have requested that XXXX remove or update these late marks because they are inconsistent with XXXX advertised purpose as a credit-builder program. Selfs reporting is misleading, incomplete, and unfair : it punishes consumers for old mistakes even though the accounts are closed, paid, and my recent record shows consistent on-time payments. 

I have repeatedly disputed this with both XXXX and the credit bureaus. The only response I receive is we must report accurately under FCRA, which ignores that the FCRA requires reporting to be accurate and complete. A tradeline may be technically accurate, but still misleading or unfair. XXXX and the bureaus have not conducted a reasonable investigation into my disputes as required under FCRA 1681i and 1681s-2 ( b ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I opened XXXX XXXX accounts with the purpose of building credit. XXXX advertises that it helps consumers build credit and improve scores. Despite paying off my accounts and showing improved payment history with XXXX, old late payments are still being reported. 

I have requested that XXXX remove or update these late marks because they are inconsistent with XXXX advertised purpose as a credit-builder program. XXXX reporting is misleading, incomplete, and unfair : it punishes consumers for old mistakes even though the accounts are closed, paid, and my recent record shows consistent on-time payments. 

I have repeatedly disputed this with both XXXX and the credit bureaus. The only response I receive is we must report accurately under FCRA, which ignores that the FCRA requires reporting to be accurate and complete. A tradeline may be technically accurate, but still misleading or unfair. XXXX and the bureaus have not conducted a reasonable investigation into my disputes as required under FCRA 1681i and 1681s-2 ( b ).

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 2025-09-23 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: PA

Complaint narrative:
I am disputing the late payment and delinquency entries showing on several accounts. These are incorrect based on my payment history and prior agreement, so I request that they be changed to Paid as Agreed and that all delinquency notations be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: NC

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-09-23 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: NC

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-09-23 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:
These inquiries were made without my consent and appear to be fraudulent. I urge you to thoroughly investigate and expeditiously remove them from my credit report. I have attached relevant documentation to assist in your review.

Company response to consumer: Closed with explanation