vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 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: LA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: TX

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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:
According to 15 USC 1681 I have the right to dispute inaccurate unverifiable information that's on my credit report. I disputed multiple times and haven't received anything related to the investigation. The company has failed to send me any of the information I requested. Please see the attached photos for the accounts that are illegally on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: TX

Complaint narrative:
My phone was stolen XX/XX/XXXX and Police report was made. XX/XX/XXXX after getting replacement device I had to call customer service to log into my acct. Whoever stole my phone was easily able to change my email address and phone number. I have been a customer of chimes since 2018 and have mever changed the phone number or email. You would think this would raise a red flag. {$7100.00} transaction where made through my account. I disputed the transaction twice and have been Denied. I need my money back asap. Chime sent email stating provisional credit applied on the XXXX of XXXX no credit so I called XX/XX/XXXX they said the date had changed to XX/XX/XXXX. Called XX/XX/XXXX they just conviently closed my dispute that day. Customer service has hung up on me. Pretended like they have placed me on hold but no .usic playing that's how I knew they where listening instead of transfering me. They are playing games and I want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
In early XX/XX/year>, I submitted a dispute to Comenity Capital Bank regarding interest charges exceeding {$3300.00} on my XXXX credit card. The charges appeared after I believed the promotional 24-month term had ended and that my account had been closed. I had withdrawn funds from my 401 ( k ) to pay the original balance and communicated clearly with representatives via phone and secure message. 

On XX/XX/year>, I submitted a payment of {$2500.00}. I also provided documentation of financial hardship, including my status as a 90 % disabled veteran, increased home insurance due to wildfires, and medical costs from a necessary surgery for my mother. I believed the dispute was being reviewed in good faith. 

On XX/XX/year>, Comenity closed the dispute. They stated that a letter explaining the decision was mailed, but I never received it. I followed up multiple times in writing through the secure message center in XXXX and XX/XX/year>, requesting a copy of the letter and a more compassionate review of my case. 

On XX/XX/year>, I received a reply from the bank advising me to call a representative. No new evaluation was offered, and my concerns about the lack of a written decision and the financial burden of excessive interest were not addressed. 

To this day, I have not received the letter explaining the dispute resolution, and the total amount due continues to grow with interest. I feel the handling of this dispute lacked transparency and compassion, especially given my documented financial hardship and veteran status. I am asking for a review of the dispute and relief from the accumulated interest, which I was unprepared for due to the account 's status and confusion around the promotional terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Thaxton Investment Corporation
State: TX

Complaint narrative:
In XXXX XXXX XXXXt send a advance check loan to me and I accepted the terms. During the repayment of the loan, I never missed a payment and in my credit report it shows that I paid ( 1 ) payment delinquent which is not accurate. I have requested multiple times from my credit reporting agency XXXX to request supporting documents that shows I paid late and I have not yet received any supporting document. In addition, I have contacted the number for XXXX XXXX on my report and they have also failed to reply.

I would like to receive any and all supporting documents and payment records that shows I paid late, otherwise this information must be removed from my report without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: NY

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXXXXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$5000.00} INQUIRIES XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  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 2025-07-15 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: AR

Complaint narrative:
I am writing to formally dispute an alleged late payment reported on my account. The late payments was reported by XXXX XXXX to Experian, TransUnion, and Equifax, and I believe this this entry is inaccurate. The payment in questions is identified as " late '' resulting in a charge of but i do not believe that the creditor has followed the legal requirements to report is as such under the Fair Credit Reporting Act ( FCRA ) and related laws. 
Specifically 15 U.S.C. 1681i the term " consumer report '', does not include reports that solely contain information regarding transactions or experiences between consumer and the person making the report. As such, any transaction or experience between myself and Achieve regarding this account should not be included in my consumer credit report. Based on the FCRA I request that this is investigated and verified by XXXX for accuracy and completeness of this account. Especially the late payments and charge off amounts Furthermore, in accordance with 15 U.S.C. 1666b, if this account originated from a credit card or open-end consumer credit plan, I assert that there is a billing error on this account as the reported charge-off status is incorrect or based on inaccurate information.

In addition, as per 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act - GLBA ), which governs the privacy of consumer financial information, I request information regarding the sharing of my nonpublic personal information related to this account. I seek to understand how my information pertaining to this alleged debt was shared with third parties, including but not limited to debt collectors or other reporting agencies, and to ensure that such sharing complied with all applicable privacy regulations and my rights under GLBA. 

If XXXX can not provide the necessary proof of mailing or delivery of the required information, I request the charge off to be deleted from my credit report based on 15 U.S. Code 1681s-2. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am writing to formally dispute an alleged late payment reported on my account. The late payments was reported by XXXX XXXX to Experian, TransUnion, and Equifax, and I believe this this entry is inaccurate. The payment in questions is identified as " late '' resulting in a charge of but i do not believe that the creditor has followed the legal requirements to report is as such under the Fair Credit Reporting Act ( FCRA ) and related laws. 
Specifically 15 U.S.C. 1681i the term " consumer report '', does not include reports that solely contain information regarding transactions or experiences between consumer and the person making the report. As such, any transaction or experience between myself and Achieve regarding this account should not be included in my consumer credit report. Based on the FCRA I request that this is investigated and verified by XXXX for accuracy and completeness of this account. Especially the late payments and charge off amounts Furthermore, in accordance with 15 U.S.C. 1666b, if this account originated from a credit card or open-end consumer credit plan, I assert that there is a billing error on this account as the reported charge-off status is incorrect or based on inaccurate information.

In addition, as per 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act - GLBA ), which governs the privacy of consumer financial information, I request information regarding the sharing of my nonpublic personal information related to this account. I seek to understand how my information pertaining to this alleged debt was shared with third parties, including but not limited to debt collectors or other reporting agencies, and to ensure that such sharing complied with all applicable privacy regulations and my rights under GLBA. 

If XXXX can not provide the necessary proof of mailing or delivery of the required information, I request the charge off to be deleted from my credit report based on 15 U.S. Code 1681s-2. Thank you.

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 2025-07-15 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
Dear XXXX XXXX Services : I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. The reporting inaccuracies concerning these accounts violated both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : 1. Evidence of your authorization under 15 U.S Code 1692 ( e ) and 15 U.S Code 1692 ( f ) for handling this matter.

2. Legal basis for the collection of this debt.

3. Proof of your authorization to operate in my state.

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. Complete accounts history, inclusive of all collection-related charges. I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S Code 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account.

Furthermore, per-15 U.S. Code 602 ( a ) ( 2 ), no account can be furnished without my written instructions. Your actions have infringed upon my rights under several sections of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( d ) : Harassment or abuse in connection with debt collection. XXXX XXXXXXXX : Use of false, deceptive, or misleading representations. XXXX XXXXXXXX ( b ) : Failure to properly disclose my rights. XXXX XXXXXXXX : Use of unfair or unconscionable means to collect a debt. I request the inmediate deletion of this disputed account from all XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  reporting agencies due to its unrecognized status and the absence of contractual obligations. Your prompt attention to this matter is appreciated. Failure to comply may results in further legal action to protect my rights and interests.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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:
Recently I Looked at a copy of my credit and noticed several inaccuracies on my account. This is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure. Here is the account I am asking you to verify as accurate : ( XXXX XXXX XXXX XXXX  XXXX as 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 2025-07-15 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: CA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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 writing to formally dispute the presence of an account on my credit report that was opened without my knowledge or consent. This account reflects unauthorized and fraudulent use of my personal information, and I want to make it unequivocally clear that I did not initiate or authorize this account in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: IL

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Thanks! 

Experian XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank has blocked my access to the XXXX  Checking account, I have been unable to pay suppliers and workers. Citi bank contiues to tell me someone will call in 24 Hours. No one does though. The bank manager has no idea what the back end is doing yet im stuck here with no information and no clue whats going on.

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 2025-07-15 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: 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!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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