vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-24 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: CA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 2025-07-24 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: DE

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$30000.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2400.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2400.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2500.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4900.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2025-07-24 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: WA

Complaint narrative:
I was billed for XXXX XXXX service for a line that should have been cancelled but instead it continued with billing me while I paid for a new line of service that was never used. 

I have been trying to get a refund of my money for over a week now by contacting both companies Chime and Boost. I disputed the charges with Chime which declined and dispute closed with no additional option to appeal the decision. When I attempted an appeal I was hung up on by the chime representative. 

I am once again asking for a refund from both parties and XXXX said nothing can be done on their end because of XXXX policy. I explained to Boost that when I lost my phone I went back to the store where my service was started with them and needed to buy a new phone. 

At the time boost had a special deal going on which would allow me to get a free phone if I purchase a prepaid calling plan. So I did and I was under the impression that the phone would be activated utilizing my previous boost mobile number. This wasn't the case because the original number remained active with autopay enabled which I didn't consent to or activate. 

So I have been paying XXXX monthly service fee for the boost mobile plan on a new number XXXX while my old number XXXX was still active and deducting XXXX monthly for the past XXXX months. I just found out after doing my own investigation and made both parties aware of the billing incident and neither party wanted to take ownership and fix the issue. Only resolution I got was disabling autopay and cancelling the line done via boost mobile. 

So I am once again stuck paying for something I wasn't aware of and didn't utilize for XXXX months. Not did I sign up for autopay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Submitted disputes and asked that the following merchants be BLOCKED on the following fraudulent charges that occurred XXXX XXXX. 

Fifth-Third Bank failed to protect me. Despite having LOCKED the card at XXXX on XX/XX/XXXX and subsequently CANCELED the card later the same day. More charges are displaying as PENDING even as of XX/XX/XXXX on a closed card. 

XXXX {$39.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX  {$4.00} XXXX  {$4.00} XXXX  {$4.00} XXXX  {$4.00} XXXX  {$4.00} XXXX  {$4.00} XXXX  {$7.00} XXXX  {$7.00} XXXX  {$19.00} XXXX  {$19.00} XXXX  {$1.00} XXXX XXXX XXXX {$10.00} XXXX XXXX XXXX {$28.00} XXXX XXXX XXXXl {$11.00} XXXX XXXX {$26.00} XXXX {$120.00} XXXX XXXX {$13.00} XXXX {$21.00} XXXX XXXX {$61.00} XXXX  XXXX  XXXX  {$1.00} XXXX XXXX XXXX {$0.00} XXXX {$16.00} XXXX  XXXX {$32.00} XXXX {$29.00} XXXX XXXX  XXXX XXXX  {$0.00} XXXX  XXXX  XXXX XXXX  {$0.00XXXX XXXX XXXX XXXX  {$11.00} XXXX  XXXX {$8.00} XXXX  {$14.00} XXXX  {$26.00} XXXX  {$24.00} XXXX innt {$24.00} XXXX  {$97.00} XXXX XXXX XXXX {$99.00} XXXX  XXXX  {$3.00} XXXX {$1.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: DE

Complaint narrative:
I requested for the billing statement required under XXXX My account with XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX  XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

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 2025-07-24 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: VA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you remove the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place, I also have no knowledge of any suspects. I did not consent to, authorize nor benefit from any of the following accounts. I also did not receive any money, goods, or services as a result of identity theft. Please investigate and remove all fraudulent inaccurate accounts as I have no knowledge of any of these accounts due to the Equifax data breaches or Identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: AR

Complaint narrative:
I am submitting this formal dispute because my credit report contains inaccurate, incomplete, and legally unverified information, in clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. This false reporting is causing serious harm to my credit profile, and I will not tolerate continued negligence from the data furnishers or credit reporting agencies.

Under FCRA, I have the legal right to dispute any item that is inaccurate, outdated, unverifiable, or misleading and you are legally obligated to investigate and remove any such item that can not be proven with complete accuracy. You are not allowed to report information that you can not fully verify, and failure to correct or delete these items is a violation of federal 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 2025-07-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this complaint because Experian appears to have maintained two separate credit profiles for me.

One of these profiles has been inactive and showed a FICO score of XXXX for nearly two years. The other - now accurate and current- reflected a score of XXXX at the time of my XX/XX/year>, credit check with XXXX. 
Despite clearly identifying this problem in writing and supplying evidence, Experian failed to investigate whether a duplicate or fragmented file exists. They did not acknowledge the root issue and instead deflected by stating " scores can not be disputed. '' I am not disputing creditor data. I am disputing the existence and usage of an outdated profile that has materially harmed me by influencing a financing decision. 
Additionally, the phone number provided in Experian 's regulatory response was nonfunctional. I respectfully request the Texas Attorney General and/or the Consumer Financial Protection Bureau to compel Experian to : Formal Complaint to Texas Attorney General & CFPB 1 . Investigate whether multiple credit files exist under my identity.

2. Disclose which specific file was accessed by XXXX on XX/XX/year>. 
3. Take immediate corrective action to merge and update my records to reflect accurate, current credit data.

Attached are the following exhibits : - Screenshots from Experian.com showing my FICO score of XXXX on both XX/XX/XXXX and XX/XX/XXXX, XXXX A letter from XXXX  indicating that Experian reported a score of XXXX on XX/XX/XXXX, XXXX.- My letter to Experian dated XX/XX/year>, detailing the issue.

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 2025-07-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Since my credit card company, XXXX  XXXX was refusing to refund my payment from a transaction from XXXX XXXX XXXX XXXX on XX/XX/XXXX for {$16000.00} regarding a chargeback for a product and service that was not received nor it was not as described. It appears that the company was not a legitimate company because since that time, they have shut down their operations and now rebranded as another company. As such, I contacted PayPal since XXXX used their company to process the payment and it is PayPal that is acting on behalf of the fraudulent company. On XX/XX/XXXX, I spoke with someone in the PayPal chargeback division who asked me to upload documentation regarding my claim. After reviewing the information and hearing my story, he agreed that their appeared to be fraud committed by XXXX and would escalate the case. When trying to appeal to XXXX XXXX to resubmit the chargeback to PayPal they said the investigation was closed and there was nothing they could do. I appealed to PayPal to proceed with the chargeback but they said it had to come from my credit card since that is how I paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: TX

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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 recently reviewed my credit file and was alarmed to discover several hard inquiries that I did not authorize. These entries are inaccurate, and I have not initiated any credit applications related to them.

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 2025-07-24 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: LEXISNEXIS
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy. 15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C. 1681 c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: SC

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-07-24 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: NC

Complaint narrative:
Pursuant to 15 U.S.C. 1681c-3 and 1681c-2, you are required by law to block or remove any item identified as a result of human trafficking within XXXX ( XXXX ) business days of receiving this request and documentation. This is my XXXX attempt submitting a report and I am told by the bureau my previous report number was invalid but when I cross referenced with CFPB, it shows as valid. The creditors with accounts : 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

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 2025-07-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be 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 2025-07-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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 recently obtained a copy of my credit report and found an account that is fraudulent and was opened without my knowledge or consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Upon reviewing my credit report, I found a few accounts that does not belong to me. I requested debt validations letter from the company. Which is Portfolio Recovery. This company has failed to provide any validation letter. instead sent a letter requesting I speak to them directly. I then sent out another letter requesting debt validation and to only communicate with me through mail. Shortly after my credit report was then updated to say it was found accurate. Investigation complete, I have never received any validation of this alleged debt nor am I familiar with this debt. There was XXXX form of communication or permission giving to furnished on my credit report. My rights as a Comsumer have been violated and it's affecting my credit worthiness. Portfolio Recovery has not provided any debt validation nor informed me they will furnish on my credit report. I would like to have to account remove from my credit report immediately.

Company response to consumer: Closed with explanation