vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 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: CITIBANK, N.A.
State: MI

Complaint narrative:
To Whom It May Concern, I am filing a complaint regarding multiple unauthorized hard credit inquiries that were placed on my credit report without my knowledge or consent. Under the Fair Credit Reporting Act ( FCRA ), a company may only access a consumers credit report with permissible purpose and documented authorization. These inquiries violated 15 U.S.C. 1681b, which outlines the legal requirements for obtaining a consumer report. 

Unauthorized Inquiries Appearing on My Credit Report : 1. XXXX XXXX date : XX/XX/XXXX 2. XXXX XXXX XXXX XXXX date : XX/XX/XXXX 3. Citibank NA., Best Buy Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX date : XX/XX/XXXX ( Screenshot provided for evidence. ) I did not apply for credit with any of these companies, nor did I grant authorization for my credit report to be accessed. I am requesting that the CFPB investigate each company listed above and require them to provide proof of permissible purpose, including : A signed credit application Any written or electronic authorization Documentation showing my consent If the companies can not provide legal proof, I request that these inquiries be permanently deleted from my credit file under : FCRA 604 ( a ) ( permissible purpose ) FCRA 611 ( consumer dispute process ) FCRA 616617 ( civil liability for willful/negligent noncompliance ) Unauthorized inquiries damage my credit profile and violate my rights as a consumer. I am asking for full removal of each inquiry and written confirmation once the investigation is complete. 

Thank you for your time and assistance.

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 2025-11-21 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: Experian Information Solutions Inc.
State: NY

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 explanation
Consumer complaint received 2025-11-21 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: EQUIFAX, INC.
State: FL

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 2025-11-21 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: Experian Information Solutions Inc.
State: FL

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 2025-11-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: VA

Complaint narrative:
This is the most critical section of the complaint. You need to present a clear, factual, and legally focused narrative that incorporates all the dates and laws we've discussed, demonstrating that the company 's own timeline proves their failure. 

Here is a structured narrative you can use. Remember to replace the bracketed placeholders with the correct dates and the property name : CFPB Complaint Narrative : Improper Debt Collection and VRLTA Violation I am filing this complaint against XXXX XXXX Apartments ( managed by XXXX XXXX XXXX and the collection agency ( Sentry Credit , Inc. ) for improper collection activity resulting in unauthorized damage to my credit file. 

I demand the immediate recall and deletion of the collection account and the waiver of the alleged {$240.00} balance. 

Timeline of Events and Legal Violations : Move-Out and Legal Deadline : I vacated the apartment unit on XX/XX/XXXX. Under the Virginia Residential Landlord and Tenant Act ( VRLTA ), the creditor was legally required to send the final, itemized move-out statement and disposition of the security deposit within 45 days ( by mid-January 2025 ). The creditor failed to provide this legally mandated notice at any time. 

Improper Collection Initiation : Despite failing to send the required notice, the creditor forwarded the alleged debt of {$240.00} to a collection agency. The collection account was opened on my credit report on XX/XX/XXXX. This collection was initiated without due notice and well after the VRLTA XXXXday deadline had passed. 

Attempts to Obtain Notice : I repeatedly attempted to obtain the final ledger from the leasing office via phone and in-person visits for several months following my move-out, but the documentation was never provided. I did not know the balance existed until I checked my credit report in XX/XX/XXXX. 

Creditor 's Admission of Error : Upon disputing this collection, the Regional Property Manager, XXXX XXXX, responded via email on Today 's Date : XX/XX/XXXX. In this response, she claimed the final account statement was sent on XX/XX/XXXX, and XX/XX/XXXX. 

Proof of Procedural Failure : The creditor 's own timeline confirms their misconduct : The collection was reported in XX/XX/XXXX. 

The claimed first notice was sent five months later in XX/XX/XXXX. 

It is illegal to place a debt into collections and damage a consumer 's credit file before providing the legally required notification. 

Requested Resolution : Due to the proven failure to comply with the VRLTA ( 45-day rule ) and the improper practice of reporting a debt to collections months before claiming to send a final notice, I demand the creditor immediately waive the {$240.00} debt and recall the collection from Sentry Credit , Inc. and delete it from all credit reports. I require written confirmation of this action to clear my record and allow me to secure housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: NY

Complaint narrative:
Since XX/XX/year> I have repeatedly attempted to dispute a {$330.00} debit card transaction processed through XXXX. The seller and I mutually agreed to cancel the purchase on XX/XX/year> at XXXX XXXX  ET ( Exhibit A ). Despite this cancellation, the seller deposited the package with UPS over an hour later at XXXX XXXX ET, after rescission. This made any subsequent shipment unauthorized. 

Each time I filed the dispute with Chime, it was miscoded ( e.g., credit not posted, non-Reg E, item not received ). As a result, four separate investigations were conducted under the wrong category. Although I repeatedly clarified the correct circumstances and provided evidence including the refund acceptance, the UPS timestamp, and the sellers written refusal ( Cause I dont have to ) the case was never evaluated under the correct Regulation E framework. 

On XX/XX/year>, I submitted a full dossier with timeline, exhibits, and legal basis to ensure correct classification. Chime supervisors later confirmed that the claim was finally recategorized to goods/services canceled under Regulation E, and that all supporting evidence was attached. However, on XX/XX/year>, I received a denial stating no error occurred, without addressing the core issue : the transaction became unauthorized after the seller agreed to refund and then acted contrary to that agreement. 

This complaint is to request a proper Regulation E review of the dispute using the full set of evidence submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: DC

Complaint narrative:
Transunion is reporting accounts on my credit file that I do not believe belong to me. These accounts are inaccurate, unverifiable, and reporting without permissible purpose. The reporting of this false information is a violation of my rights under the FCRA ( 15 U.S.C. 1681e ( b ) ), which requires consumer reporting agencies to maintain only accurate and verifiable information. Please see attached documents.

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 2025-11-21 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:
In accordance with the Fair Credit Reporting Act, the personal information & accounts listed below are in violation of my federally protected consumer rights to privacy and confidentiality as outlined under 15 U.S. Code 1681. 

This account was opened in XXXX of 2025. The company name is called XXXX XXXX XXXX. Its reported to Equifax, TransUnion, and Experian. This action cause my value of my credit report to decrease. It is incorrect and unjust.

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 2025-11-21 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-21 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: OK

Complaint narrative:
All three credit bureaus are reporting fraudulent accounts on my credit reports. I have submitted all required documentation to have these accounts removed ; however, I have never received any verification or supporting proof. These accounts must be deleted immediately as they are the result of identity theft and are not mine.

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 2025-11-21 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: DC

Complaint narrative:
Experian is reporting accounts on my credit file that I do not believe belong to me. These accounts are inaccurate, unverifiable, and reporting without permissible purpose. The reporting of this false information is a violation of my rights under the FCRA ( 15 U.S.C. 1681e ( b ) ), which requires consumer reporting agencies to maintain only accurate and verifiable information. Please see attached documents.

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 2025-11-21 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: TN

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-11-21 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: TX

Complaint narrative:
I am submitting a formal dispute regarding specific items on my TransUnion credit report. These items are either inaccurately reported or were never authorized, and I request that they be investigated and corrected promptly. 

Charged Off Accounts : XXXX XXXX, Account No : XXXX, Date Opened : XX/XX/XXXX, Balance : {$980.00} XXXX XXXX, Account No : XXXX, Date Opened : XX/XX/XXXX, Balance : {$450.00} XXXX  Account No : XXXX, Date Opened : XX/XX/XXXX, Balance : {$410.00} XXXX XXXX Account No : XXXX, Date Opened : XX/XX/XXXX, Balance : {$760.00} Dispute Reason : These accounts have incorrect balances and statuses. I request a full investigation and prompt correction or removal if necessary. 

Late Payments : XXXX XXXX, Account No : XXXX Dispute Reason : The late payment reported for this account is incorrect. I request an investigation and correction if an error is found. 

XXXX, Account XXXX : XXXX Dispute Reason : The late payment reported for this account is inaccurate. Please verify the payment history and make corrections if needed.

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 2025-11-21 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 am submitting this filing to the Consumer Financial Protection Bureau ( CFPB ) regarding several discrepancies I have identified in my credit report with the XXXX major credit bureaus : XXXX ( XXXX ), Experian ( XXXX ), XXXX XXXX ( XXXX ). Below is a summary of the disputed accounts, inquiries, positive accounts, and late payments. 
Charged Off Accounts : XXXX Account Number : XXXX, Date Opened : XX/XX/year>, Balance : {$3900.00} Inquiries : XXXX XXXX XXXX XXXX : 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 explanation
Consumer complaint received 2025-11-21 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 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! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-11-21 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: EQUIFAX, INC.
State: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 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! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was misled, I tried repeatedly to get this resolved and had multiple dropped calls. Employees refused to give names, transferred to call centers where it was difficult to understand and suspicious employee requests for ways to pay, I was given different amounts to pay. In the end after many attempts to resolve including calling from overseas when I was severely ill they reported that i had a late payment to the credit agencies for {$8.00}!. This is outrageous and I would like the late payment removed from credit report and o would like reimbursement. The company is XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: PA

Complaint narrative:
I am fed up seeing these inaccurate late payments on my report again today. I keep checking and nothing is changing. I need the documents I sent to be looked at properly right now because I am tired of dealing with this problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: EQUIFAX, INC.
State: OH

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX U.S. Code 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 ( XXXX U.S. Code XXXX ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing because my dispute has not been properly handled, and it is clear that your bureau has failed to follow the law under XXXX U.S. Code XXXX ( XXXX ), which requires you to give full consideration to all relevant information I provide as a consumer. 

I submitted supporting documents and explanations to show that the account and information in question are inaccurate. Instead of addressing the evidence I sent, your response appeared to be nothing more than a surface-level verification from the furnisher. This is not compliance with the law. The statute explicitly states that consumer-provided information must be considered during an investigation. By ignoring the materials I submitted, you are in direct violation of federal law and my rights under the Fair Credit Reporting Act ( FCRA ). 

The presence of this inaccurate information continues to harm melowering my credit score, damaging my reputation, and interfering with my ability to access fair credit opportunities. You are required to conduct a proper reinvestigation that includes my documentation, not just a rubber-stamp validation from the furnisher.

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