vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-19 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: MA

Complaint narrative:
On XXXX XXXX My credit report company XXXX XXXXXXXX, XXXX XXXX via app notified me about some unusual activities on my credit report. After talking to them, I confirmed that I wasnt the one behind these activities, and I was a victim of fraud and identity theft. So they asked me to freeze my credit from the 3 bureaus, to file an ocial report of fraud and identity theft with the local Police, FTC, and Social Security. So that they can process an investigation, I can be covered and not be held accountable for any of those fraudulent transactions or activities under the law. Can you please help me and assist me with that because it has never happened to me before? after further investigation with the 3 bureaus only 2 was able to remove the hard inquiries but equifax did not do it. They asked me to submit many documents after I did. I did not any accurate information.its was very hard to get in touch with them on the phone, after having them on the phone the asked me to subscribe to the plan so my information can be protected against from and my hard inquiries will be remove. After months I reach out again about them not removing the hard inquiries that was in my account the total of the hard inquiries are 3. I did again submit and after a year I decided to checkout any new information and I found out about the inquiry that they never had removed it from my account. I submit an online report, to disput the result came that they can not remove it. I dont think its fair for because I wasnt the one who want to submit any loan application or whatever that one was. I dont live in XXXX and those inquiry was coming from company that is in XXXX XXXX And I did not give any permission to the company to pull up my credit report meaning i dont know them and I dont drive.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. CXX/XX/XXXXe XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. CXX/XX/XXXXe XXXXe ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-19 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:
A fraudulent account was opened in my name with XXXX XXXX XXXX, which I did not authorize or initiate. This account appears on both my TransUnion and Experian credit reports and is listed under XXXX XXXX XXXXXXXX XXXX XXXX It is marked as Closed with a reported delinquency of 60 days past due, and a high balance of {$1600.00}. The account was reportedly opened in XX/XX/XXXX and closed on XX/XX/XXXX. 
Description of Events : In XX/XX/XXXX, I discovered an unfamiliar XXXX XXXX account appearing on my credit reports. 
I have never opened, applied for, or consented to any loan or credit account with XXXX XXXX XXXX or XXXX XXXX. 
The fraudulent account has been reported to the credit bureaus as paid or paying as agreed, but it also reflects a 60-day delinquency, which has negatively impacted my credit score and overall creditworthiness. 
Upon discovery, I immediately contacted XXXX XXXX XXXX at their listed customer service number ( XXXX ) and requested verification, supporting documents, and account closure. 
I also submitted disputes with TransUnion and Experian under FCRA 611, formally requesting deletion or correction of this erroneous entry. 
Supporting Details : Creditor Name : XXXX XXXX XXXXXXXX XXXX XXXX  Account Type : Installment loan ( other ) Reported High Balance : {$1600.00} Opened Date : XX/XX/XXXX Closed Date : XX/XX/XXXX Reported Delinquency : 60 days past due Reported to : TransUnion and Experian

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 2025-10-19 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: DE

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED 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 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 2025-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: VA

Complaint narrative:
I got a text from chime saying fraud alert if I didnt make a transaction at XXXX  reply yes or no I reply no then I got another text saying a chime member will be contacting me that my account have been frozen I got contact by someone who said they was a chime member that I need to close my account and sent what money in my account to a different account. He then transferred my money out of my account with out my authorization and hung up the phone. I call the chime back they said I have to put in a dispute the next day they sent me a email stating I will not be refunded they stole XXXX out of my account. I want the bank to refund my money because they use all chime method.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: NV

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-19 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: NV

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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 2025-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Comerica
State: TX

Complaint narrative:
Landlord closed an account with XXXX bank. Tenant 's bank ( Comerica Bank ) continued to send wire rent payments to the closed account in the amount of {$3000.00} for XXXX different payments. XXXX payment was pushed through on XX/XX/year> to a new account at XXXX bank. That payment in the amount of {$3000.00} has since been corrected between tenant and landlord. Other payments in question are for dates XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>. Each payment was sent in the amount of {$3000.00} for a total of {$15000.00} that is now unaccounted for. On XX/XX/year> XXXX Bank has provided tracking numbers with dates in question to show that funds were reversed back to Comerica Bank minus a reversal fee of {$50.00}. Comerica Bank refuses to accept that funds were credited back to the sending account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: AL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-19 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: NY

Complaint narrative:
I am filing a complaint against Self Financial Inc./Lead Bank N.A . and XXXX  for inaccurate and misleading credit reporting. 

As of my XXXX  report dated XX/XX/2025, the Self Financial/Lead Bank account shows a {$0.00} balance but is still coded Collection/Charge-off and Late. A {$0.00} balance can not be past-due or charged-off.

This is a clear furnishing error under FCRA 623 ( a ) ( 1 ) ( A ) and XXXX display of that contradictory data after prior disputes violates 611 ( a ) ( 5 ) ( B ).

I am requesting that the CFPB compel both entities to correct the record to Closed Paid/Settled {$0.00} Balance or delete the tradeline entirely.

I have already exhausted the standard dispute process with XXXX and will be seeking legal counsel for damages under the FCRA if the inaccuracy continues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
Complaint Type : Debt Collection Credit Reporting ( incorrect information on credit report ) Company Name : National Credit Systems , Inc . 
XXXX XXXXXXXX XXXX, XXXX, GA XXXX I am disputing a collection account that National Credit Systems , Inc. is reporting to the credit bureaus. The account shows as a balance of {$8000.00} for XXXX XXXX, reported on XX/XX/XXXX. 

I requested validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ). National Credit Systems has not provided proof that the debt is valid or that I am legally responsible for it.

I never received any notices/statements from theis collection company. 

Additionally, I obtained a letter dated XX/XX/XXXX, from the current property manager oXXXX XXXX XXXX  ( XXXXXXXX XXXX XXXX XXXX which states : XXXX XXXX XXXX bought the property in XX/XX/XXXX. We have no record of XXXX XXXX applying or living at XXXX during or after that time, and we have no knowledge or information on previous owners of the property. 

This clearly shows that the alleged debt is unverifiable. Despite this, National Credit Systems continues to report the account to XXXX XXXX and XXXX, which is a violation of the Fair Credit Reporting Act ( FCRA ) and the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: DC

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-10-19 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: MI

Complaint narrative:
I have disputedXX/XX/XXXX account XXXX XXXX separate times with Experian, with both investigations spanning longer than XX/XX/XXXX days collectively and Experian continues to report an account that is impossible to adequately verify. 

XXXX claims to have sold this account to XXXX XXXX, while XXXX XXXX claims to have sent it back to XXXX. Experian continued reporting of this account constitutes willful noncompliance. 

Experian has not provided me with any methods of verification ; because it is impossible to do so. 

This is blatant violation of my rights under the FCRA and I demand immediate removal from all consumer credit reports immediately. 

Failure to comply from Experian will result in legal action against there agency.

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 2025-10-19 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:
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 2025-10-19 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX inaccurately reported my closed and paid-off credit account to TransUnion as being XXXX days past due, even though the account was paid on time, never delinquent, and closed with a {$0.00} balance. 
The account was last updated in XX/XX/year>, as shown in the credit report screenshot. It reflects : Payment Status : Paid or paying as agreed Worst Delinquency : XXXX  days past due Balance : {$0.00} Credit Limit : {$25000.00} This is contradictory and misleading. An account can not be both paid as agreed and XXXX days past due. The account was always paid on time and closed in good standing with no outstanding balance. 
I contacted XXXX XXXX XXXX XXXX and TransUnion on XXXX XXXX to dispute the inaccurate reporting. Despite providing evidence that the account was paid and closed properly, the incorrect XXXX  days past due remains on my credit report. 
This inaccurate reporting has damaged my credit score and profile by falsely suggesting a severe delinquency that never occurred.

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 2025-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-10-19 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: NC

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 response to consumer: Closed with explanation