vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: FL

Complaint narrative:
I was the victim of a scam involving a fake XXXX email. I was selling an item on XXXX XXXX, and the buyer sent me what appeared to be an official email from XXXX. The message stated that my account needed to be upgraded in order to receive payment. It looked legitimate, and I was told I needed to send money to complete the upgrade. 

Believing it was a real XXXX process, I followed the instructions and sent approximately {$2000.00} in total through different payment services ( XXXX, Chime, and XXXX ). I later learned that the email was fake and that I had been scammed. 

I reported this to my bank immediately and filed a claim. However, the claim was denied or considered authorized, even though I was clearly deceived under false pretenses and acted in good faith. I was manipulated into thinking I was communicating with XXXX and completing a legitimate transaction. 

XXXX requesting Chime / XXXX XXXX XXXX XXXX ] re-review my case for a goodwill reimbursement or exception due to being a scam victim. I can provide screenshots, the fake XXXX email, and messages with the scammer to support my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) 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 information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-11-12 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: CT

Complaint narrative:
I am submitting this complaint because Equifax, TransUnion and Experian continue to report inaccurate, unverifiable, and contradictory information even after multiple disputes. I contacted both bureaus several times from XX/XX/XXXX to XX/XX/XXXX requesting correction or deletion of items that can not be verified. They marked the accounts as verified each time without providing any documents. 

The XXXXXXXX XXXX XXXX collection that began appearing in XX/XX/XXXX shows different dates on each bureau and shows no payment history. I disputed it on XX/XX/XXXX and again on XX/XX/XXXX. Each bureau responded within two weeks but did not provide validation from the original creditor. No records, contracts, or statements were supplied. The data continues to show inconsistent dates. This violates accuracy rules because the furnisher has not produced anything showing that the debt exists. 

For the XXXX XXXX account, false late payments from XX/XX/XXXX and XX/XX/XXXX continue to appear. My XXXX payment of XXXX was made on XX/XX/XXXX. My XXXX payment of XXXX was made on XX/XX/XXXX. I disputed these inaccuracies with TransUnion on XX/XX/XXXX and again on XX/XX/XXXX. They verified the late marks both times without providing any evidence. 

For the XXXX XXXX XXXXXXXX account, the bureaus continue to report a 60 day late mark from XX/XX/XXXX. I made the full payment of XXXX on XX/XX/XXXX. I disputed this error on XX/XX/XXXX and again on XX/XX/XXXX. The bureaus kept the same late mark and did not provide documents showing a delinquency. The account remains open and current. 

There are also incorrect name and address variations added to my file without my authorization. I disputed these on XX/XX/XXXX. The bureau marked the items as verified even though the addresses do not match any records I provided. 

All of these items show inconsistent dates, unverifiable information, and no supporting documents from the furnishers. The bureaus failed to correct or delete the data after several disputes. I followed every required step and provided payment records showing the correct dates and amounts. They did not correct the file. 

I am requesting CFPB assistance to require the bureaus to delete all unverifiable late payments, delete the XXXX XXXX XXXX collection, correct the open accounts to show Pays As Agreed, and remove the inaccurate personal information added to my file. I am also requesting written confirmation of the documentation the bureaus used during their reinvestigations.

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 2025-11-12 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: CT

Complaint narrative:
I am submitting this complaint because Equifax, TransUnion and Experian continue to report inaccurate, unverifiable, and contradictory information even after multiple disputes. I contacted both bureaus several times from XX/XX/XXXX to XX/XX/XXXX requesting correction or deletion of items that can not be verified. They marked the accounts as verified each time without providing any documents. 

The XXXXXXXX XXXX XXXX collection that began appearing in XX/XX/XXXX shows different dates on each bureau and shows no payment history. I disputed it on XX/XX/XXXX and again on XX/XX/XXXX. Each bureau responded within two weeks but did not provide validation from the original creditor. No records, contracts, or statements were supplied. The data continues to show inconsistent dates. This violates accuracy rules because the furnisher has not produced anything showing that the debt exists. 

For the XXXX XXXX account, false late payments from XX/XX/XXXX and XX/XX/XXXX continue to appear. My XXXX payment of XXXX was made on XX/XX/XXXX. My XXXX payment of XXXX was made on XX/XX/XXXX. I disputed these inaccuracies with TransUnion on XX/XX/XXXX and again on XX/XX/XXXX. They verified the late marks both times without providing any evidence. 

For the XXXX XXXX XXXXXXXX account, the bureaus continue to report a 60 day late mark from XX/XX/XXXX. I made the full payment of XXXX on XX/XX/XXXX. I disputed this error on XX/XX/XXXX and again on XX/XX/XXXX. The bureaus kept the same late mark and did not provide documents showing a delinquency. The account remains open and current. 

There are also incorrect name and address variations added to my file without my authorization. I disputed these on XX/XX/XXXX. The bureau marked the items as verified even though the addresses do not match any records I provided. 

All of these items show inconsistent dates, unverifiable information, and no supporting documents from the furnishers. The bureaus failed to correct or delete the data after several disputes. I followed every required step and provided payment records showing the correct dates and amounts. They did not correct the file. 

I am requesting CFPB assistance to require the bureaus to delete all unverifiable late payments, delete the XXXX XXXX XXXX collection, correct the open accounts to show Pays As Agreed, and remove the inaccurate personal information added to my file. I am also requesting written confirmation of the documentation the bureaus used during their reinvestigations.

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 2025-11-12 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: TN

Complaint narrative:
The following accounts are fraudulent and I want these removed from my credit report immediately XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX | The following inquiries are not authorized. Please remove it from my credit report immediately XXXX XXXX XXXX XX/XX/XXXX | XXXX XX/XX/XXXX | EQUIFAX XXXX XX/XX/XXXX | XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX | EXPERIAN XXXX XXXX  XX/XX/XXXX XXXX EQUIFAX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX | XXXX XXXX  XX/XX/XXXX | XXXX XXXX XX/XX/XXXX | XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: TN

Complaint narrative:
The following accounts are fraudulent and I want these removed from my credit report immediately XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX | The following inquiries are not authorized. Please remove it from my credit report immediately XXXX XXXX XXXX XX/XX/XXXX | XXXX XX/XX/XXXX | EQUIFAX XXXX XX/XX/XXXX | XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX | EXPERIAN XXXX XXXX  XX/XX/XXXX XXXX EQUIFAX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX | XXXX XXXX  XX/XX/XXXX | XXXX XXXX XX/XX/XXXX | XXXX XX/XX/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 2025-11-12 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: TX

Complaint narrative:
A utility account [ ACCOUNT # : XXXXXXXX XXXX XXXX XXXX XXXX ] is reporting on my credit file as a charge-off, but no prior months of payment history are shown. This type of partial reporting is incomplete and misleading, because it only shows a negative outcome and not the full history of the account. Under FCRA 602 ( 15 U.S.C. 1681 ), credit reporting must be fair, accurate, and complete. Under FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), the credit bureau must use reasonable procedures to ensure maximum possible accuracy. Under FCRA 623 ( a ) ( 2 ) ( 15 U.S.C. 1681s2 ( a ) ( 2 ) ), furnishers are obligated to correct or stop furnishing data that is not complete or accurate. Because the full account activity is missing, this record does not meet federal accuracy and completeness standards.

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 2025-11-12 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: VA

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 XXXX Code XXXX 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 ( XXXX ) 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 2025-11-12 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: VA

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 XXXX Code XXXX 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 ( XXXX ) 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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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 I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 information 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 explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

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 I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: IL

Complaint narrative:
I am writing to formally dispute the following accounts on my credit report that I believe contain inaccuracies. These items do not accurately reflect my credit history, and I respectfully request that each of these items be reviewed and corrected to ensure they are accurately reflected in my credit report. If any information can not be verified, I request that it be removed from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ). 
Charged-Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00} Inquiries : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX NA Date : XX/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 explanation
Consumer complaint received 2025-11-12 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: TX

Complaint narrative:
A utility account [ ACCOUNT # : XXXXXXXX XXXX XXXX XXXX XXXX ] is reporting on my credit file as a charge-off, but no prior months of payment history are shown. This type of partial reporting is incomplete and misleading, because it only shows a negative outcome and not the full history of the account. Under FCRA 602 ( 15 U.S.C. 1681 ), credit reporting must be fair, accurate, and complete. Under FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), the credit bureau must use reasonable procedures to ensure maximum possible accuracy. Under FCRA 623 ( a ) ( 2 ) ( 15 U.S.C. 1681s2 ( a ) ( 2 ) ), furnishers are obligated to correct or stop furnishing data that is not complete or accurate. Because the full account activity is missing, this record does not meet federal accuracy and completeness standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: CA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: HI

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXX  - XXXX XXXX  XXXX - XXXX XXXX XXXX  - XXXX XXXX XXXX  - XXXX INQUIRIES : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief