vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-30 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: PA

Complaint narrative:
I am submitting this formal complaint regarding serious inaccuracies and violations of federal consumer protection laws under the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ). Despite multiple disputes, the bureaus and furnishers continue to report inaccurate and unverifiable information on my credit file. These errors are damaging my creditworthiness and causing financial and emotional distress.. 

ADDRESS : XXXX XXXX XXXX XXXX, NV XXXX This address does not belong to me and was never connected to any of my verified records. Under FCRA 607 ( B ), you are required to maintain maximum possible accuracy. Retaining this false address misrepresents my identity and creates risk of mixed file or identity confusion, which violates FCRA 611 ( a ) requiring reinvestigation upon consumer dispute. 

ACCOUNT : XXXX XXXX XXXX  XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Status : Charge-Off This account remains inaccurately reported as a charge-off with a XXXX balance, which is contradictory and misleading under FCRA 607 ( B ). If the account is settled with no balance, it can not be simultaneously listed as charged off. The original creditor has not provided verifiable records bearing my signature or proof of default as required under FCRA 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 1 ) ( A ). You are obligated to either furnish documentation that substantiates the accuracy of this report or permanently delete it. Continued reporting of unverifiable charge-offs constitutes willful noncompliance with federal law. 

INQUIRY : XXXX XX/XX/XXXX This inquiry was made without my authorization or permissible purpose as required under FCRA 604 ( a ) ( 3 ). I did not apply for any credit or service with this company on or around this date. Any inquiry obtained without consent violates my privacy and federal protections under FCRA 604 and 616. This unauthorized access to my credit file must be removed immediately and investigated for potential misuse of my personal data. 

I am demanding immediate action from the Consumer Financial Protection Bureau to investigate these violations, compel the credit bureaus and furnishers to delete or correct these items, and ensure compliance with all sections of the FCRA and FDCPA. If unresolved, I will pursue further action for willful noncompliance under FCRA 616 and seek statutory damages.

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 2025-10-30 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: PA

Complaint narrative:
Unauthorized access to my credit report by multiple companies has inflicted direct and irreparable harm on my credit standing and drastically reduced my credit score. I previously contacted your agency and received an explicit assurance from a representative that these unauthorized inquiries would be removed. That commitment has been flagrantly breachedthese inquiries persist unabated. This inexcusable failure to act is intolerable. The ongoing presence of these potentially fraudulent entries is profoundly alarming and irrefutably indicates identity theft. This unresolved breach continues to unleash relentless emotional and financial devastation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: TN

Complaint narrative:
I am writing to dispute several accounts and inquiries that appear to have been compromised and possibly reported in connection with a data breach. Under the Fair Credit Reporting Act ( FCRA ) 602A, 611, and 623, Experian is required to maintain the highest level of accuracy when reporting consumer information and promptly delete any unverifiable or breached data. 
Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4100.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$200.00} Account Name : XXXX  XXXX XXXX Account Number : XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$950.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} Account Name : XXXX  XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} Inquiry : XXXX 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 2025-10-30 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:
XXXX XXXX XXXX is reporting an inaccurate account to the three major credit bureaus, Transunion, Experian and Transunion. Account XXXX should be removed under statue FRCA 605B immediately. Police report XXXX should be processed and substituted for the forms backed by the FTC during this government shut down. Account is an error and not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: CA

Complaint narrative:
XXXX XXXX XXXX is reporting an inaccurate account to the three major credit bureaus, Transunion, Experian and Transunion. Account XXXX should be removed under statue FRCA 605B immediately. Police report XXXX should be processed and substituted for the forms backed by the FTC during this government shut down. Account is an error and not mine.

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 2025-10-30 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: CA

Complaint narrative:
I found incorrect details in my personal profile, including outdated or unfamiliar names, addresses, phone numbers, and employment history. Some of this information is not associated with me, and these inaccuracies could lead to misidentification or confusion with others. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately reflects my personal information. I am requesting a full investigation and prompt correction of these errors.

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 2025-10-30 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:
I assert that the erroneous late payment entries on my accounts violate 15 USC 1666. I have consistently paid on time, and any inaccuracies in this reporting are both unfair and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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:
My consumer file contains multiple accounts, inquiries, and records that are inaccurate, outdated, or unverifiable in violation of FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ). These inaccuracies have caused significant harm to my creditworthiness and its really frustrating.

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 2025-10-30 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:
My consumer file contains multiple accounts, inquiries, and records that are inaccurate, outdated, or unverifiable in violation of FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ). These inaccuracies have caused significant harm to my creditworthiness and its really frustrating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX XXXX under attached assignment/authorizationagreement. 

I am submitting this statement to the Consumer Financial Protection Bureau ( CFPB ) regarding multiple late payment entries that have been inaccurately reported by certain furnishers and credit reporting agencies. These entries are false, misleading, and have caused unjust harm to my credit reputation and financial standing. Despite my consistent payment record, these accounts were reported with delinquency marks that are not supported by any verifiable record of late payment. 

Under the Fair Credit Reporting Act ( FCRA ), the credit bureaus are obligated to ensure maximum possible accuracy in reporting ( FCRA 607 ( b ) ) and must conduct a reasonable reinvestigation of any disputed information ( FCRA 611 ( a ) ( 1 ) ( A ) ). Additionally, furnishers are prohibited from reporting information they know or have reasonable cause to believe is inaccurate ( FCRA 623 ( a ) ( 1 ) ( A ) ). However, in my case, the reporting entities have failed to uphold these federal standards by continuing to report unverified negative information despite prior disputes and requests for validation. 
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 2025-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Subject : Approved Credit Limit Increase Reversed Without Explanation On XX/XX/XXXX, I received an official message from my credit card issuer stating that my credit limit increase had been approved to {$20000.00}. I have proof of this approval, including a screenshot of the message showing the new limit. 

However, when I attempted to make a purchase afterward, the transaction was declined. I called the credit card companys customer service department, and they informed me that my request for a credit limit increase was denied. 

This directly contradicts the message I received confirming that I was approved. I believe this may be a system or communication error, and I have asked the company to review my account and provide clarification or correction, but I have not received a clear explanation.

I am submitting this complaint because I want : 1. A written explanation for why I was told I was approved but later denied.

2. Confirmation of whether the approval was 
mistakenly reversed.

3. Correction of any inaccurate information that may have been reported to credit bureaus as a result. 

Attached is a copy of the screenshot showing the approval message. 

Credit Card Issuer : Care Credit Approximate Date of Incident : XX/XX/XXXX Amount or Credit Limit Involved : {$20000.00} Your Full Name : 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 2025-10-30 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:
This letter serves as my fifth formal dispute regarding the ongoing and repetitive reporting inaccuracies associated with several Department of EducationXXXX XXXX XXXX XXXX ) accounts, all carrying the same identifying sequence XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and showing late payments inconsistent with factual loan history. Despite my repeated efforts to resolve these discrepancies through prior reinvestigations, the same unverifiable late payment entries continue to appear without substantiated proof from the furnisher or servicer. 
The following accounts remain reported inaccurately : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$4600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$8300.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$5400.00}

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 2025-10-30 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:
I bought something from a merchant on the XXXX  app for XXXX $ on XX/XX/year> A few days later the merchant had deleted the store and there website I contacted chime to dispute the charge on XX/XX/year> and told them what was going on and that I had no merchant to contact I provided screenshots and the XXXX  app doesn't handle refunds so only thing I could do is dispute the charge so one or two weeks later they denied the claim so I I called chime again and asked for a supervisor to challenge the denial and provided all the same information again with screenshots as before and got denied again because there's no merchant to contact

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: AR

Complaint narrative:
I am submitting as a consumer who has carefully reviewed my credit report and identified inaccurate reporting that is negatively affecting my financial standing. Under the Fair Credit Reporting Act ( FCRA ), specifically sections XXXX ( b ) and XXXX, I have the right to dispute inaccurate or incomplete information and to have disputed accounts reinvestigated to ensure maximum possible accuracy. The account I am disputing is detailed below. 
XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$5300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Unauthorized access to my credit report by multiple companies has inflicted direct and irreparable harm on my credit standing and drastically reduced my credit score. I previously contacted your agency and received an explicit assurance from a representative that these unauthorized inquiries would be removed. That commitment has been flagrantly breachedthese inquiries persist unabated. This inexcusable failure to act is intolerable. The ongoing presence of these potentially fraudulent entries is profoundly alarming and irrefutably indicates identity theft. This unresolved breach continues to unleash relentless emotional and financial devastation.

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 2025-10-30 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: NJ

Complaint narrative:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$2200.00} XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX -- {$240.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$1500.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$12000.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$1900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am sending this statement because my credit report reflects inaccurate personal identifying information and incorrect account reporting that do not belong to me or are being reported inaccurately .. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$5900.00} Under FCRA 623 ( a ) ( 1 ) ( A ),

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: Volvo Car Financial Services U.S., LLC
State: CA

Complaint narrative:
This complaint is a follow-up to my prior CFPB complaint ( # XXXX ) against Volvo Car Financial Services ( VCFS ) . VCFSs response to that complaint contained false and misleading information and failed to correct inaccurate credit reporting after acknowledging key facts. I leased a vehicle from VCFS in XX/XX/XXXX and maintained insurance coverage with XXXX the entire time. VCFS verified my insurance and entered the policy details directly on the lease contract, initialing it themselves. My car was totaled in XX/XX/XXXX, and I reported it to XXXX and to VCFS per the contract. As per VCFSs response to my last CFPB complaint ( # XXXX ), they admitted I notified them via secure message on XX/XX/XXXX that the vehicle was a total loss from an accident on XX/XX/XXXX, which under Section 37 ( a ) automatically terminated the contract. Despite acknowledging the total loss had occurred, VCFS continued billing me on a terminated lease and stated the lease was in default ( but not terminated ) due to late payment and/or repossession, and is now wrongly asserting to the CFPB ( via complaint # XXXX ) that I had no insurance. They furnished this false information to XXXX XXXX XXXX XXXX, and to the CFPB during a federal investigation. This violates the Fair Credit Reporting Act ( FCRA 623 ; 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) & ( b ) ) and constitutes an unfair and deceptive act or practice under 12 U.S.C. 5531 ( UDAAP ). VCFS continues to label the account as an active default, pursue me for {$49000.00} ( on a lease with a {$17000.00} balance when it terminated ), and make conflicting negative credit reports, causing financial and reputational harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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:
I am filing this complaint against XXXXXXXX XXXX for continued inaccurate reporting on my credit file. The account was closed and charged off on XX/XX/XXXX, yet Experian and other credit bureaus continue to report a balance of {$1500.00} as of XX/XX/XXXX. This is false and misleading because the account is beyond the 7-year reporting limit under the Fair Credit Reporting Act ( FCRA ).

The creditor and bureaus are in violation of : FCRA 607 ( b ) Failure to assure maximum possible accuracy FCRA 623 ( a ) ( 1 ) ( A ) Furnishing information known to be inaccurate FCRA 605 ( a ) ( 4 ) Reporting outdated adverse information beyond 7 years I request the CFPBs assistance to require JPMCB and the credit bureaus to immediately delete this unverifiable and outdated account from my credit report and confirm compliance in writing. 

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