vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I formally disputed the reporting of a charged-off account from XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXpened XX/XX/XXXX, XXXX : {$12000.00} ). The account is listed as closed and charged off, but the information reported by Equifax, Experian, and TransUnion contains multiple, serious inaccuracies and FCRA violations. 

Summary of FCRA Violations : 607 ( b ) : Inaccurate and inconsistent data Date of Last Activity and Date Reported are not aligned across the CRAs. 

Equifax reports a recent delinquency in XXXX, even though Experian indicates the accounts last activity was in XXXX strongly suggesting unlawful re-aging. 

Payment history and status details differ : Experian reflects a continuous charge-off Equifax shows recent 30/60/90 late payments, which contradicts charge-off status The way the account is classified ( e.g., loan type or terms ) also varies between bureaus 623 ( a ) ( 3 ) : Dispute status omitted I previously disputed this account, yet none of the CRAs show it as disputed, violating FCRA requirements to clearly reflect dispute status on all versions of the report. 

611 : Failed reinvestigation The CRAs continue to report conflicting and inaccurate data on this account, which demonstrates either a lack of meaningful reinvestigation or a failure to correct known discrepancies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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 am writing to formally dispute the continued presence of inaccurate information on my credit report, despite multiple previous attempts to rectify these errors. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure the accuracy and completeness of the information you report. These inaccuracies have adversely affected my creditworthiness and have caused undue stress and financial hardship. 

I would like to draw your attention to recent enforcement actions that underscore the importance of accurate credit reporting : The CFPB sued Experian for failing to properly investigate consumer disputes, resulting in the inclusion of incorrect information on credit reports. 
XXXX XXXX  was fined nearly {$28.00} XXXX for providing inaccurate, negative information about its customers to credit reporting agencies and for delays in correcting errors. 
TransUnion faced a {$23.00} XXXX fine for failures related to tenant screening and security freezes, which included not ensuring the accuracy of rental background checks. 

These cases highlight the serious consequences of non-compliance with the FCRA. 

I am requesting that you : XXXX. XXXX a thorough and impartial reinvestigation of the disputed items. 
XXXX. Delete or correct all inaccurate, incomplete, or unverifiable information. 
XXXX. Provide me with a copy of the updated credit report reflecting these changes. 

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 2025-06-16 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:
XXXX is continuing to report a fraudulent account on my credit report, despite my submission of a valid FTC identity theft report and dispute documents. They are refusing to expedite or block the account as required under the Fair Credit Reporting Act ( FCRA ), Section 605B. 

I am the victim of identity theft. A fraudulent credit card was obtained in my name on an unused account I had with XXXXXXXX XXXX XXXX. I have submitted a full identity theft dispute packet to XXXX, including : My FTC Identity Theft Report ( Report XXXX XXXXXXXX ) Proof of my identity A written explanation of the dispute XXXX is refusing to acknowledge the identity theft as distinct from a standard dispute, is insisting on mailed correspondence only, and has not blocked the inaccurate account reporting within the XXXX window required under FCRA Section 605B. 

Instead, XXXX is claiming it may take XXXX  days to investigate. This is incorrect under the law when valid identity theft documentation has been provided. XXXX is also refusing to provide a fax number or secure electronic submission method to expedite the matter, further obstructing resolution. 

This delay is continuing to damage my credit and violates FCRA requirements.

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 2025-06-16 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:
XXXX is continuing to report a fraudulent account on my credit report, despite my submission of a valid FTC identity theft report and dispute documents. They are refusing to expedite or block the account as required under the Fair Credit Reporting Act ( FCRA ), Section 605B. 

I am the victim of identity theft. A fraudulent credit card was obtained in my name on an unused account I had with XXXXXXXX XXXX XXXX. I have submitted a full identity theft dispute packet to XXXX, including : My FTC Identity Theft Report ( Report XXXX XXXXXXXX ) Proof of my identity A written explanation of the dispute XXXX is refusing to acknowledge the identity theft as distinct from a standard dispute, is insisting on mailed correspondence only, and has not blocked the inaccurate account reporting within the XXXX window required under FCRA Section 605B. 

Instead, XXXX is claiming it may take XXXX days to investigate. This is incorrect under the law when valid identity theft documentation has been provided. XXXX is also refusing to provide a fax number or secure electronic submission method to expedite the matter, further obstructing resolution. 

This delay is continuing to damage my credit and violates FCRA requirements.

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 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX is continuing to report a fraudulent account on my credit report, despite my submission of a valid FTC identity theft report and dispute documents. They are refusing to expedite or block the account as required under the Fair Credit Reporting Act ( FCRA ), Section 605B. 

I am the victim of identity theft. A fraudulent credit card was obtained in my name on an unused account I had with XXXXXXXX XXXX XXXX. I have submitted a full identity theft dispute packet to XXXX, including : My FTC Identity Theft Report ( Report XXXX XXXXXXXX ) Proof of my identity A written explanation of the dispute XXXX is refusing to acknowledge the identity theft as distinct from a standard dispute, is insisting on mailed correspondence only, and has not blocked the inaccurate account reporting within the XXXX window required under FCRA Section 605B. 

Instead, XXXX is claiming it may take XXXX days to investigate. This is incorrect under the law when valid identity theft documentation has been provided. XXXX is also refusing to provide a fax number or secure electronic submission method to expedite the matter, further obstructing resolution. 

This delay is continuing to damage my credit and violates FCRA requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: IL

Complaint narrative:
An account was opened with my information fraudulently with this creditor. As a result it is negatively affecting on my credit report. There is a an FTC report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
TransUnion has allowed fraudulent information to be to harm my credit report I have sent police reports FTC reports dispute letters and still they have yet to remove this fraudulent 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 2025-06-15 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: BARCLAYS BANK DELAWARE
State: TN

Complaint narrative:
I have a hard inquiry showing on my credit report that I did not submit the inquiry for nor have I heard of the company. The inquiry is Barclays Bank and the inquiry was done on XX/XX/year> and my credit report has now been affected.

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 2025-06-16 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX SSN : XXXX DOB : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX, PA XXXX Date : XX/XX/XXXX Subject : FCRA Dispute Request to Remove Inaccurate and Obsolete Information File Number : XXXX To Whom It May Concern, This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. I have recently obtained a copy of my credit report from your bureau, and I am writing to dispute the following items, which I believe to be inaccurate, outdated, or unverifiable : XXXXXXXX XXXX XXXX XXXX : ProCollect Inc. 
Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reason for Dispute : This debt is not fully verified or lacks proper documentation. I request removal unless complete validation is provided under FCRA 609 ( a ) ( 1 ). Until validated, please delete this account from my report in accordance with FCRA 611. 
XXXX. LATE PAYMENTS/ CHARGE-OFFS Accounts Affected : XXXX Card ( * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Reason for Dispute : These accounts are reporting late payments or charge-offs that are either incorrect, outdated, or not sufficiently verified. I request a reinvestigation and validation. If validation is not provided, I request deletion as mandated by FC

RA 611. 3. HARD INQUIRIES ( You may add or remove based on your filep
lease confirm which ones are unauthorized ) Possible Inquiries to Challenge : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Reason for Dispute : I do not recall authorizing these hard inquiries. Under FCRA 604, you must have my explicit permission. If authorization can not be provided, please remove these inquiries. 
XXXX. INCORRECT PERSONAL INFORMATION Old/Incorrect Addresses : Any address other than my current address : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Numbers to Remove : ( XXXX ) XXXX, ( XXXX ) XXXX, and others not currently active or verifiable Reason for Dispute : These identifiers are outdated or incorrect and no longer associated with me. Please remove per FCRA 609 ( c ). 
Please conduct a thorough investigation of the disputed items listed above and provide a full response within the 30-day window as required by federal law. If you are unable to verify any of the disputed information, it must be promptly deleted. 

I have included copies of my identification and a recent utility bill as proof of my identity and address. 

Thank you for your attention to this matter. I look forward to your timely response. 

Sincerely, 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 2025-06-15 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: NY

Complaint narrative:
I am disputing inaccurate information listed on my credit report regarding an account from XXXX XXXX. Below are the specific discrepancies I have identified : Creditor Name : XXXX XXXX Account ( last XXXX ) : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. Number of Months ( Terms ) : Equifax shows this as XXXX, whereas both TransUnion and Experian list the correct term as XXXX months. 
XXXX. High Credit : Equifax reports {$4200.00}, but both other bureaus list {$7700.00}, which matches the original loan terms. 
XXXX. Date of Last Activity : Equifax lists XX/XX/XXXX, while TransUnion and Experian report activity in XXXX. 
XXXX. XXXX XXXX ( Late Payments ) : Equifax reports a XXXX late in XX/XX/XXXX and XXXX late in XX/XX/XXXX, despite the account showing as charged off with a {$0.00} balance and XXXX XXXX monthly payment. Late payments should not continue to be reported post-charge-off. 
XXXX. Date of Last Payment : Equifax lists XX/XX/XXXX, while Experian shows a payment on XX/XX/XXXX. This inconsistency may reflect incorrect reporting. 
XXXX. Date Opened : Transunion lists XX/XX/XXXX, Experian and Equifax shows 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 non-monetary relief
Consumer complaint received 2025-06-15 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: NY

Complaint narrative:
I am disputing inaccurate information listed on my credit report regarding an account from XXXX XXXX. Below are the specific discrepancies I have identified : Creditor Name : XXXX XXXX Account ( last XXXX ) : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. Number of Months ( Terms ) : Equifax shows this as XXXX, whereas both TransUnion and Experian list the correct term as XXXX months. 
XXXX. High Credit : Equifax reports {$4200.00}, but both other bureaus list {$7700.00}, which matches the original loan terms. 
XXXX. Date of Last Activity : Equifax lists XX/XX/XXXX, while TransUnion and Experian report activity in XXXX. 
XXXX. XXXX XXXX ( Late Payments ) : Equifax reports a XXXX late in XX/XX/XXXX and XXXX late in XX/XX/XXXX, despite the account showing as charged off with a {$0.00} balance and XXXX XXXX monthly payment. Late payments should not continue to be reported post-charge-off. 
XXXX. Date of Last Payment : Equifax lists XX/XX/XXXX, while Experian shows a payment on XX/XX/XXXX. This inconsistency may reflect incorrect reporting. 
XXXX. Date Opened : Transunion lists XX/XX/XXXX, Experian and Equifax shows XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Subject : Request for XXXX XXXX Dear Credit Bureau, I hope this letter finds you well. I am writing to request a goodwill adjustment regarding my account with [ XXXXXXXX XXXX XXXXXXXX ], which has been closed and shows no negative remarks on my credit report. 

Account Number : XXXX Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX I have consistently made all payments on time and have strived to maintain a positive credit history. Given that this account is now closed and has no negative marks, I kindly request that you consider removing it from my credit report. 

I appreciate your attention to this matter and your continued support in helping me maintain a healthy credit profile. Thank you for considering my request. 

Sincerely, 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 2025-06-16 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 submitted disputes to Experian regarding several accounts ( including Ascend FCU, XXXX  XXXX, and XXXX XXXX ) demanding Method of Verification ( MOV ) as allowed under FCRA 611 ( a ) ( 1 ) and ( a ) ( 7 ). Rather than providing verification, Experian falsely reclassified my disputes as identity theft claims, despite the fact that I never submitted any identity theft affidavit or request. 

They then shared this misclassified data with XXXX  and XXXX, causing unauthorized identity theft flags to be added to my record across bureaus, resulting in further harm and reputational damage. 

Despite repeated attempts and legal notice, Experian has never provided MOV, has misrepresented the nature of my FTC complaint, and has not corrected the record. This constitutes willful noncompliance with FCRA 607 ( b ) ( failure to maintain maximum accuracy ), 616 & 617, and deceptive practices under the FTC Act ( UDAP ). 

I am seeking immediate correction and accountability for these violations. 

Fair Resolution ( Paste This in What Would Be a Fair Resolution ) : Immediate removal of identity theft flags or misclassifications from my record with Experian and all third-party bureaus. 

Permanent correction and removal of all accounts that have not been properly verified with legally sufficient MOV documentation. 

A formal acknowledgment of misclassification and a copy of the internal documentation used to justify the identity theft claim, along with a record of where it was transmitted. 

Full removal of any accounts Experian continues to report without proper verification under the FCRA. 

If you want me to format this into a full XXXX document or pre-written template for upload, just let me know. You're on the right track now its time to hold them accountable.

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 2025-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Chime Financial Inc
State: NC

Complaint narrative:
Chime owes me money. 

And XXXX XXXX. 

Missing money on XXXX XXXX  also

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: WA

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report. I have identified several significant discrepancies that do not accurately reflect my actions or financial history. Specifically, these inaccuracies were made without my consent. I kindly request your investigation and removal of the following items : Inquiries : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXXXXXX 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 2025-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EdFinancial Services
State: CA

Complaint narrative:
In 2020, this account appeared on my XXXX  credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: AL

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: TX

Complaint narrative:
Report # XXXX XX/XX/year> Remark was removed, unfortunately the payment history of late payments and CO as Charge off are still posted in my credit file with Experian. Raise up my CREDIT SCORE.

This needs to be corrected asap.

Company response to consumer: Closed with explanation