vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-11-14 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: GA

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 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 2025-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Leib Solutions, LLC
State: MD

Complaint narrative:
On XX/XX/year> I, XXXX XXXX, received a phone call and a voicemail from a very aggressive male, stating his name was XXXX XXXX from Leib Solutions in NJ, stating that he received a XXXX  from an insurance carrier about a debt owed and demanded money. He left this message at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, a company that I operate ; however, I have no insurance debt with this company. On XX/XX/year> XXXX called me again and left me another aggressive message, which is detailed below, transcribed by AI, threatening a lawsuit. I have emailed this company to stop contacting me ; however, they continue to contact me. Additionally, they claim to take legal action, but are not attorneys. I don't know who this person is or why he is bothering me. 

" XXXX XXXX, good afternoon, XXXX XXXX, legal manager, and live solutions regarding the XXXX I received in the last 24 to 48 h from realigned XXXX XXXX, and asking us to begin proceedings against the XXXX XXXX XXXX XXXX if we can not resolve the unpaid insurance audit of just under XXXX XXXX at this Poin, t per my secretary, not even a common decency return call. Everything is being documented, and we will be moving forward legally. I did not want to tackle all the collection and legal costs without showing you proper respect. So it is up to you how this plays out. XXXX. XXXX XXXX. '' ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I had a promotional no-interest plan on my Comenity/ XXXX XXXX XXXX account . Before the promotion expired, I called customer service and requested that my payments be adjusted so I could finish paying the balance before the promotion ended. The representative confirmed this was done and told me everything was set.

However, after the promotion expired, the bank started charging extremely high interest. My remaining balance was about {$400.00}, but they increased it to more than {$1700.00}. I was never informed that this would happen. 

I contacted Comenity many times by phone and asked for a correction, an explanation of the interest charges, and a breakdown of the fees. I also requested removal of the improperly added interest. I received no clear explanation or resolution. 

My account is now closed, but Comenity is still reporting an inflated and incorrect balance. I am requesting CFPB assistance to correct the balance and remove all improperly added interest and fees. I am willing to pay the accurate corrected payoff immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-11-14 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:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Chime Financial Inc
State: NY

Complaint narrative:
A credit card was fraudulently opened in my name by Chime even though I had an active credit freeze with all three major credit bureaus : XXXX XXXX and XXXX. I did not apply for this credit card, authorize the inquiry, or give permission for any new account to be created. The purpose of a credit freeze is to prevent exactly this type of unauthorized activity, so the fact that this account was opened despite the freeze is extremely concerning and suggests a failure in the identity verification or credit access process.

I confirmed that my credit freeze was active at the time the account was opened, and I have verified with each bureau that the freeze was not lifted or changed. After noticing the account on my credit report, I contacted Chime to dispute it, but the issue has not been resolved and the account remains on my credit report. This fraudulent account has caused significant stress and raises serious questions about whether my personal information was accessed without my consent, and how the issuer was able to open a new credit line while my report was legally frozen.

I am requesting that the CFPB require Chime ( or its issuing bank ) to immediately remove this fraudulent account from all of my credit reports, delete any related credit inquiries, and ensure the account is fully closed. I am also requesting an explanation of how the account was approved when a credit freeze should have prevented any access to my credit file. Finally, I ask that the CFPB investigate whether my credit report was accessed improperly or whether other errors occurred that allowed this new account to bypass a freeze. 

The approximate date the fraudulent account was opened was XX/XX/XXXX, and I discovered the issue on XX/XX/XXXX. My credit freeze has been in place since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: AZ

Complaint narrative:
XXXX was removed from my account for an advance that I don't even have access to on my homepage, I have gotten XXXX different amounts all taken on the same day, XX/XX/XXXX, XXXX for XXXX, XXXX, XXXX and XXXX which I never authorized since I don't have direct deposit to that account so I don't have access to a payment advance, yet I'm being charged for something I can't even use. I'm a XXXX XXXX veteran, this is not what I went to war for. 
Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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 am requesting that you review and correct the following inaccuracies on my TransUnion credit report, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ). Below are the details of the accounts I dispute : Disputed Accounts : XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX o Account Type : Installment Loan o Status : Delinquent ( 180 days past due ) o FCRA Violations : FCRA XXXX : Inaccurate reporting of payment status and loan details FCRA 611 : Incomplete investigation of dispute Data breach concerns regarding access to personal educational loan information o Request : Please correct or remove the account if it can not be verified. 
XXXX. XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX o Account Type : Credit Card o Status : Open, XXXX  days late o FCRA Violations : FCRA 623 : Inaccurate late payment history FCRA 611 : Failure to properly investigate disputes Possible data breach regarding credit card data o Request : Correct the status or remove the account. 
FCRA Violations : XXXX. Failure to Verify Information : Under FCRA 611, credit bureaus and data furnishers are required to investigate disputes. These accounts have not been investigated in accordance with the law. 
XXXX. Failure to Report Accurate Information : As per FCRA 623, all information reported to credit bureaus must be accurate and complete. The disputed accounts contain errors. 
XXXX. Data Breach Concerns : There may have been unauthorized access to my sensitive financial data, and I request that you investigate this potential breach.

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 2025-11-14 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: PA

Complaint narrative:
I received multiple notifications that my information was involved in a data breach and then I received XXXX collections on my credit report that I did not open from XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to dispute the following accounts that have been inaccurately reported on my credit report. The accounts listed below contain errors that violate the Fair Credit Reporting Act ( FCRA ) due to incomplete or inaccurate reporting. 

Charged Off Accounts : XXXX  Account Number : XXXX Date : XX/XX/XXXX Balance : {$160.00} Inquiries : XXXX  Date : XX/XX/XXXX Late Payments : XXXX  Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Credit Card Acquisitions Group
State: TX

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding the account reported by XXXX XXXX XXXX XXXX ( Account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX, listed as a collection with a high balance of {$2200.00}, opened on XX/XX/year>. 

I have no knowledge of this alleged account, never received any prior notice, billing statement, validation, or explanation regarding this debt. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I have the right to receive proper verification of any debt being reported in my name. 

Reporting an unverified or inaccurate account is a violation of my consumer rights. This item is causing harm to my creditworthiness and must be fully investigated. 

I am requesting that the CFPB assist in conducting a formal investigation into the accuracy and legitimacy of this collection account and require the furnisher to provide full validation or remove the account entirely. 

Thank you for your assistance.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-14 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:
I am disputing the following items on my Experian credit report. These items, including charged-off accounts, inquiries, and late payments, need to be reviewed for accuracy : Charged Off Accounts : XXXX/XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4100.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX  Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Late Payments : XXXX  XXXX Account Number : XXXX XXXX XXXX/XXXX Account Number : 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 2025-11-14 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: NV

Complaint narrative:
I am filing a complaint because my creditor is reporting late payments on my account XXXX XXXX XXXX  Acct # XXXXXXXX XXXX XXXX XXXX XXXX  that are inaccurate and not properly verified I have disputed this Directly with the credit bureau and creditor but the late payments remain with proper validation or documentation

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 2025-11-14 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: OPORTUN FINANCIAL CORPORATION
State: CO

Complaint narrative:
Hi, Im reaching out because theres a charged-off account from Opprtun showing up on my credit report, and honestly, I have no idea what this is or where it came from. Ive been trying since XXXX to get answers from the credit bureaus, and Ive gotten nowhereno proof, no verification, nothing. 
I just want someone to show me real documentation that this account is mine and accurate. If nobody can provide that, then it needs to come off my report ASAP. This has been dragging on way too long, and if it doesnt get resolved soon, Ill have no choice but to look into legal options. 
Please help me get this cleared up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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 hold no responsibility for these accounts ; deletion is required within 15 days under USC 1681g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I requested full verification of the XXXX XXXX late payment, including the complete billing history, payment ledger, timestamps of when payments were received, XXXX documentation, and XXXX compliant records. I have not received any of the required documentation, it's been over XXXX  months, I've sent multiple disputes allotting XXXX to XXXX days In between because I allot you the 30 days required by law. Now I did my research Equifax has been sued repeatedly for the same exact misconduct I am experiencing now failing to conduct reasonable reinvestigations, relying on automated verification, reporting inaccurate information, and refusing to correct errors. XXXX XXXX has also faced multiple lawsuits regarding their credit reporting practices, including claims of inaccurately reporting late payments and failing to maintain proper documentation to support derogatory reporting. So Equifax and XXXX XXXX both understand exactly what the FCRA requires. I have been disputing this XXXX XXXX late payment for over XXXX months. I give Equifax time to receive my disputes every XXXX days, and I understand that by law you have a 30-day investigation window under FCRA 611 ( a ) ( 1 ). During these months, the only things Equifax has sent me are : ( 1 ) copies of my own credit report, ( 2 ) statements claiming Im working with a credit repair company, and ( 3 ) emails claiming identity theft or fraud which I NEVER reported. None of that is verification. What I requested was the legally required proof : the billing statements, the full payment history, timestamps showing when XXXX XXXX received my payments, DOFD documentation, and Metro-2 compliant records. I have not received ANY of this. Since Equifax clearly does not know what it means to verify a late payment, let me go ahead and tell you exactly what the FCRA requires and what XXXX XXXX is required to submit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate : Creditor Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief