vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-11 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: NC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-09-11 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: GA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: LA

Complaint narrative:
Subject : Request for Deletion of Fraudulent Accounts XXXX XXXX Acct # XXXX XXXX XXXX XXXX XX/XX/XXXX To Whom It May Concern, I am writing regarding XXXX XXXX Acct # XXXX XXXX, which includes XXXX loans totaling {$1500.00}, {$8000.00}, and {$3100.00}. A fraud claim regarding these accounts was submitted on XX/XX/XXXX through the CFPB, with supporting documentation from my FTC Identity Theft Report. 

Following investigation, XXXX XXXX XXXX XXXX potential fraud was found on all three loans. Despite this, these accounts continue to be reported on my credit reports, which is inaccurate and damaging. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), information determined to be fraudulent must be corrected or deleted. I am requesting immediate removal of these accounts from all consumer reporting agencies and written confirmation of their deletion. 

Attached is proof of the fraud determination by XXXX XXXX, as well as documentation of my CFPB submission and FTC report XXXX Attached is also my XXXX credit report where all XXXX loans for XXXX XXXX Acct # XXXX XXXX Have been deleted. Experian, Transunion and Equifax have yet to remove these accounts by law. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute the fraudulent accounts that have been wrongfully reported on my credit file. These accounts are not mine, were never authorized, and their inclusion represents a serious misrepresentation of my financial history. The presence of these inaccurate entries undermines the integrity of my credit profile, creates unwarranted damage to my reputation, and places me at risk of further financial harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Chime Financial Inc
State: CA

Complaint narrative:
I signed up for an app called Chime using a link that was verified offering XXXX $ bonus when signing up and adding direct deposit. The bonus is paid out in XXXX payments. When I signed up I didnt even receive a welcome letter. So I signed into the app and asked to confirm that I will receive the bonus. A live agent confirmed that I will receive the bonus starting with XXXX $ after first direct deposit. I set up direct deposit and after receiving the deposit I didnt get the bonus. I messaged them again inquiring about the bonus. This time they told me that they dont have such a bonus. I shared the link which is from their website. They told me that my enrollment for the bonus wasnt successful. This was very deceptive and it seems like many people online shared my experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: AZ

Complaint narrative:
I am writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved. 
This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

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 2025-09-11 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: MS

Complaint narrative:
I am writing to formally dispute inaccurate late payment information currently appearing on my credit report. As a consumer protected under the Fair Credit Reporting Act ( FCRA ) and related statutes, I am asserting my right to maximum possible accuracy in the reporting of my credit history. I respectfully request a reinvestigation of the following account : Account Under Dispute : XXXX XXXX, account # : XXXX Reason for Dispute : The account has not been properly verified or validated by the original creditor. I am requesting the payment history be updated to reflect : Paid As Agreed, Never Late.

Legal References Supporting This Request : 15 U.S. Code 1681e ( b ) Maximum Possible Accuracy Your agency is required to ensure the maximum possible accuracy of any item of information contained in a consumer report. Failure to verify the accuracy of late payments violates this standard. 
XXXX XXXX XXXX Bank XXXX Massachusetts This case determined that mere billing statements are not sufficient proof of late payments. Validation requires internal records, payment logs, and evidence of communication.

15 U.S. Code 1666b Truth in Lending / Timely Credit of Payments This law prohibits creditors from reporting a payment as late if it was received in a timely manner but processed incorrectly. If the creditor can not prove proper billing practices, the reporting must be corrected. 
XXXX v. Equifax ( 2024 ) Equifax was found in violation of the FCRA for continuing to report inaccurate late payments after a dispute without conducting a proper reinvestigation. The same protections apply here. 
XXXX v. Experian, Equifax, and TransUnion ( 2024 ) This case emphasized the duty of all three credit bureaus to thoroughly investigate disputed late entries and take corrective action when validation is not provided. 
________________________________________ What Im Requesting : XXXX. A reinvestigation of the reported late payment ( XXXX ). 
XXXX. Proof of timely processing from the creditor ( if they claim payment was late ). 
XXXX. Removal of any unverified or inaccurate late payments. 
XXXX. Update of the account status to reflect Paid As Agreed, Never Late. 
XXXX. A new copy of my credit report showing these corrections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: MS

Complaint narrative:
I am writing to formally dispute inaccurate late payment information currently appearing on my credit report. As a consumer protected under the Fair Credit Reporting Act ( FCRA ) and related statutes, I am asserting my right to maximum possible accuracy in the reporting of my credit history. I respectfully request a reinvestigation of the following account : Account Under Dispute : XXXX XXXX, account # : XXXX Reason for Dispute : The account has not been properly verified or validated by the original creditor. I am requesting the payment history be updated to reflect : Paid As Agreed, Never Late.

Legal References Supporting This Request : 15 U.S. Code 1681e ( b ) Maximum Possible Accuracy Your agency is required to ensure the maximum possible accuracy of any item of information contained in a consumer report. Failure to verify the accuracy of late payments violates this standard. 
XXXX XXXX XXXX Bank XXXX Massachusetts This case determined that mere billing statements are not sufficient proof of late payments. Validation requires internal records, payment logs, and evidence of communication.

15 U.S. Code 1666b Truth in Lending / Timely Credit of Payments This law prohibits creditors from reporting a payment as late if it was received in a timely manner but processed incorrectly. If the creditor can not prove proper billing practices, the reporting must be corrected. 
XXXX v. Equifax ( 2024 ) Equifax was found in violation of the FCRA for continuing to report inaccurate late payments after a dispute without conducting a proper reinvestigation. The same protections apply here. 
XXXX v. Experian, Equifax, and TransUnion ( 2024 ) This case emphasized the duty of all three credit bureaus to thoroughly investigate disputed late entries and take corrective action when validation is not provided. 
________________________________________ What Im Requesting : XXXX. A reinvestigation of the reported late payment ( XXXX ). 
XXXX. Proof of timely processing from the creditor ( if they claim payment was late ). 
XXXX. Removal of any unverified or inaccurate late payments. 
XXXX. Update of the account status to reflect Paid As Agreed, Never Late. 
XXXX. A new copy of my credit report showing these corrections.

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 2025-09-11 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: GA

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 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 explanation
Consumer complaint received 2025-09-11 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: GA

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 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 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am filing this complaint because I am being pursued for debt collection accounts that do not belong to me. Several years ago, I was the victim of identity theft, and as a result, fraudulent accounts were opened in my name without my knowledge or authorization. These accounts have since been reported to debt collectors, who are now attempting to collect on balances that I did not incur and do not owe.

I have disputed these debts directly with the collectors and the credit bureaus, making clear that I am not responsible for them. Despite my disputes and the fact that these debts stem from identity theft, collection activity has continued, causing harm to my credit, financial stability, and peace of mind. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that these fraudulent debts are removed, and that the collectors cease all further collection efforts against me.

I can provide supporting documentation, including my prior identity theft report, correspondence with collectors, and evidence of my disputes, to verify that I am not liable for these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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 am writing to formally file a complaint under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws regarding the inaccurate reporting of my credit information. 

Background & Issues Reported XXXX student loan accounts are being reported on my credit file with different account numbers and open dates, which is inaccurate and misleading. 

These accounts contain incorrect personal identifying information, which does not belong to me. 

My credit report continues to reflect unauthorized credit inquiries that I have disputed on XXXX separate occasions. 

Despite my repeated disputes, the information has not been corrected or removed. 

Violations of Federal Law The current reporting practices are in direct violation of : FCRA 602 ( 15 U.S.C. 1681 ) : Mandates accurate and fair reporting of consumer credit information.

FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : Requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information.

FCRA 611 ( 15 U.S.C. 1681i ) : Requires reinvestigation of disputed information within 30 days. Failing to delete or correct inaccurate, unverifiable, or duplicate data after XXXX disputes constitutes noncompliance. 

FCRA 623 ( 15 U.S.C. 1681s-2 ) : Prohibits furnishers of information from reporting information they know or should know is inaccurate.

FCRA 605 ( 15 U.S.C. 1681c ) : Restricts reporting of obsolete and inaccurate information.

Fair Debt Collection Practices Act ( FDCPA ) 807 : Prohibits false or misleading representations regarding the character, amount, or legal status of a debt. 

These inaccuracies are causing ongoing and irreparable harm to my creditworthiness and financial stability. I have followed proper dispute procedures, yet the errors persist. I now demand the CFPB enforce compliance with the FCRA and FDCPA, and ensure the immediate removal and correction of the above items.

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 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681c2. 

The listed credit reporting agency is reporting accounts, inquiries, and/or collections that do not belong to me and were added without my consent. These items resulted from the unauthorized use or distribution of my personal information and qualify under the legal definition of identity theft. 

I have submitted an official FTC Identity Theft Report detailing the affected items. I am requesting the immediate block and deletion of all unauthorized or unverifiable accounts, inquiries, and collections under federal law. 

The XXXX has no permissible purpose or verifiable source to continue reporting these items. If they can not verify each disputed item with documented evidence, they are legally required to remove them within XXXX business days under 15 USC 1681c2.

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 2025-09-11 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: FL

Complaint narrative:
I am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681c2. 

The listed credit reporting agency is reporting accounts, inquiries, and/or collections that do not belong to me and were added without my consent. These items resulted from the unauthorized use or distribution of my personal information and qualify under the legal definition of identity theft. 

I have submitted an official FTC Identity Theft Report detailing the affected items. I am requesting the immediate block and deletion of all unauthorized or unverifiable accounts, inquiries, and collections under federal law. 

The XXXX has no permissible purpose or verifiable source to continue reporting these items. If they can not verify each disputed item with documented evidence, they are legally required to remove them within XXXX business days under 15 USC 1681c2.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RS Clark and Associates, Inc.
State: AZ

Complaint narrative:
I received a XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 
Months after that I received phone calls from XXXX XXXX about a debt I incurred, Date of Service in XX/XX/XXXX. 
I naturally tried to figure this out. Called my insurance company, was also covered undXXXX XXXX XXXX XXXX. At this current point in time, I have not received ANY written notice/bills from XXXXXXXX XXXX XXXX XXXX company R.S. Clark, a debt collector that was assigned to collect the XXXX I supposedly owe. 
I was placed in collection at some point ( again no notice was given, no bills were ever received ) and started to receive phone calls at some point. I didn't return them right away because they didn't identify who they were, and the messages that were left were hard to understand. I eventually did call them and was notified of this debt. I was shocked that I was in collections with not even being billed. I received no written notice from the debt company ( to this day ).. 

What can I do? 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation