vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 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: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX Date : XX/XX/XXXX Subject : Dispute of Inaccurate Late Payment Entries XXXX XXXXXXXX XXXX I am writing to formally dispute inaccurate late payment entries associated with the account from XXXX XXXX XXXX, as listed on my Experian credit report. 

This account, opened on XX/XX/XXXX, has since been paid in full and closed. While the payment history reflects a series of 30- and 60-day late payments, I believe this reporting is inaccurate or incomplete. I respectfully request that these derogatory marks be removed or corrected.

Although this account was originally disputed during divorce proceedings, I was ultimately awarded the vehicle and accepted full responsibility for the loan. Since then, I have fully satisfied the debt. The continued presence of derogatory payment history on a paid and closed account does not accurately reflect my current financial standing.

Legal Basis for Dispute : Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any item of information on my credit file that I believe to be inaccurate. This law requires Experian to : conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate Additionally, under 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information ( like XXXX XXXX ) are legally obligated to : 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.

Finally, under 15 U.S. Code 1681e ( b ), Credit bureaus must : follow reasonable procedures to assure maximum possible accuracy of the information The presence of multiple late paymentsdespite the loan being paid in full and closeddoes not reflect maximum possible accuracy and may be misleading to lenders.

Please conduct a formal investigation of this account and remove or amend any inaccurately reported late payment history. I have attached relevant documentation confirming that the account has been paid in full.

Thank you for your prompt attention to this matter. I look forward to your written response and resolution within the timeframe required by law. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
Delete this off my credit report immediately remove it off collection and delete off all 3 bureaus. Your report of this payment violates multiple federal including but not limited to 15 U. S. C. 1666b 15 U.S.C1637b. I would also like a 1099c

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: FL

Complaint narrative:
Please rectify the overdue payment indicated on my account, as I have always made timely payments and have diligently maintained this record. Enclosed are the relevant documents for your review.

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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5600.00} pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy SubXXXX XXXX states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: FL

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 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 2025-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I was a victim of a data leak and all my personal info including social security number, addresses, passwords, emails .. XXXX account hacked w the info.. please remove from my credit report .. or I will take legal action against 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 explanation
Consumer complaint received 2025-07-21 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-07-21 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: IN

Complaint narrative:
Subject : Response to XXXX XXXX XXXX XXXX Charge-Off Reporting Request for Removal Based on FCRA Violations Dear Consumer Financial Protection Bureau XXXX XXXX am writing in response to the reporting of a charge-off account by XXXX XXXX XXXX XXXX for account XXXX XXXX XXXX XXXX ending in XXXX, which was opened on XX/XX/XXXX and closed on XX/XX/XXXX, with a listed balance of {$7800.00}. 

The account is currently being reported on my credit report with a Collection/Chargeoff status. I am disputing this status on the basis that it is inaccurate, incomplete, and potentially misleading, and I am requesting the CFPBs assistance in having it corrected or deleted under the Fair Credit Reporting Act ( FCRA ). 



Legal Grounds for My Dispute : 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) A consumer has the right to dispute any information on their credit report believed to be inaccurate. The credit bureau and furnisher are then required to : conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) A data furnisher ( like XXXX XXXX XXXX is prohibited from reporting information that : they know or have reasonable cause to believe is inaccurate.

15 U.S. Code 1681e ( b ) Credit reporting agencies must : follow reasonable procedures to assure maximum possible accuracy. 



My Concerns About Inaccuracy : The account was opened and closed in a short timeframe ( under 8 months ), and I dispute the accuracy and context of the charge-off status. 
There was no opportunity for a full payment plan or resolution before it was charged off. 
I did not receive proper notification or validation of the debt before the derogatory charge-off status was reported. 
I believe the charge-off entry fails to reflect the full context or current standing of the account, violating FCRAs accuracy standards. 



Request : I am requesting that the charge-off reporting on this XXXX XXXX XXXX XXXX account be : Deleted entirely, or Updated to reflect accurate, complete, and non-misleading information, as required by the FCRA. 

Please ensure the furnisher has conducted a legally compliant investigation, and that the data on my credit file reflects the maximum possible accuracy required by law. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX XXXX, IN

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 2025-07-21 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: IN

Complaint narrative:
Subject : Response to XXXX XXXX XXXX XXXX Charge-Off Reporting Request for Removal Based on FCRA Violations Dear Consumer Financial Protection Bureau XXXX XXXX am writing in response to the reporting of a charge-off account by XXXX XXXX XXXX XXXX for account XXXX XXXX XXXX XXXX ending in XXXX, which was opened on XX/XX/XXXX and closed on XX/XX/XXXX, with a listed balance of {$7800.00}. 

The account is currently being reported on my credit report with a Collection/Chargeoff status. I am disputing this status on the basis that it is inaccurate, incomplete, and potentially misleading, and I am requesting the CFPBs assistance in having it corrected or deleted under the Fair Credit Reporting Act ( FCRA ). 



Legal Grounds for My Dispute : 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) A consumer has the right to dispute any information on their credit report believed to be inaccurate. The credit bureau and furnisher are then required to : conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) A data furnisher ( like XXXX XXXX XXXX is prohibited from reporting information that : they know or have reasonable cause to believe is inaccurate.

15 U.S. Code 1681e ( b ) Credit reporting agencies must : follow reasonable procedures to assure maximum possible accuracy. 



My Concerns About Inaccuracy : The account was opened and closed in a short timeframe ( under 8 months ), and I dispute the accuracy and context of the charge-off status. 
There was no opportunity for a full payment plan or resolution before it was charged off. 
I did not receive proper notification or validation of the debt before the derogatory charge-off status was reported. 
I believe the charge-off entry fails to reflect the full context or current standing of the account, violating FCRAs accuracy standards. 



Request : I am requesting that the charge-off reporting on this XXXX XXXX XXXX XXXX account be : Deleted entirely, or Updated to reflect accurate, complete, and non-misleading information, as required by the FCRA. 

Please ensure the furnisher has conducted a legally compliant investigation, and that the data on my credit file reflects the maximum possible accuracy required by law. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX XXXX, IN

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$180.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX looked at my credit report and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: FL

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 : INQUIRIES XXXX XXXXXXXX Date : XX/XX/year>XXXX XXXX Date : XX/XX/year>

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 2025-07-21 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: W&A Intermediate Co., LLC
State: WY

Complaint narrative:
Wakefield & Associates has continued to call me repeatedly regarding an alleged debt, despite my formal written request ( mailed via USPS around XX/XX/XXXX and then again in XX/XX/XXXX ) asking for debt validation and to cease all phone communication. They never responded to my request, never provided validation of the debt, and yet resumed calling, which violates the Fair Debt Collection Practices Act ( FDCPA ). 

Their failure to provide proper documentation and their continued contact by phone after being formally notified is harassment. I am requesting that the CFPB investigate this issue and require Wakefield & Associates to cease all phone communication and provide the legally required debt validation in writing. 

I also request documentation of any alleged debt, including original creditor, amounts, and verification, before any further communication takes place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: GA

Complaint narrative:
I kindly request that you investigate this matter and correct the status of my account to reflect the timely payment. I would appreciate your confirmation once this issue has been resolved. The imposition of this charge is not only incorrect but also a violation of our agreement. Please review your records regarding this payment. I have enclosed copies of documents and attached the report to verify that the payment was processed before the due date.

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 2025-07-21 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:
Fraudulent accounts linked to identity theft have appeared on my consumer report without my written authorization or wet signature. I previously contacted your organization regarding this matter and am formally demanding the immediate blocking and removal of these unauthorized accounts from my report. These fraudulent entries have caused significant emotional and financial distress by inaccurately representing my credit history and financial responsibilities. The presence of these items has severely impacted my ability to achieve critical financial goals, including purchasing a home and providing for my family 's needs. If this matter is not resolved appropriately, I am prepared to pursue legal action to protect my rights and obtain proper resolution.

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 2025-07-21 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: CA

Complaint narrative:
Fraudulent accounts linked to identity theft have appeared on my consumer report without my written authorization or wet signature. I previously contacted your organization regarding this matter and am formally demanding the immediate blocking and removal of these unauthorized accounts from my report. These fraudulent entries have caused significant emotional and financial distress by inaccurately representing my credit history and financial responsibilities. The presence of these items has severely impacted my ability to achieve critical financial goals, including purchasing a home and providing for my family 's needs. If this matter is not resolved appropriately, I am prepared to pursue legal action to protect my rights and obtain proper resolution.

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 2025-07-21 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: MI

Complaint narrative:
My XXXX tax return was stolen from me while incarcerated. The detective on my case said that Chime is not willing to cooperate or provide further information regarding my account. I filed a police report and nothing has been done. Chime told me that they were not disputing or returning my funds back. I emailed Chime support on XX/XX/XXXX all of the documents they needed for proof of my incarceration. After further investigation the detective assigned to my case learned that I did NOT give this individual access to my account or permission to access my funds. I called chime while still in jail to check on my accounts, I needed to verify my last transactions. The transactions I were verifying were not correct per the customer service representative. I told him I was in at the moment and nothing was done to protect my account and funds. They were still allowing my money to be taken. I even asked that they put a PIN number on my account for phone calls, which they said they would not do. I had over {$14000.00} in my account once I got home from XXXX  I had {$96.00} left.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: CA

Complaint narrative:
Im reaching out regarding a fraudulent credit inquiry that is currently appearing on my credit report. Let me be absolutely clear : I did not authorize or initiate this inquiry in any way, and I had no knowledge of it until I reviewed my credit report.

This was not done by me, and I have never given consent to the company that pulled my credit. That means this inquiry was made without a permissible purpose, which is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ).

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