vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-16 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: OH

Complaint narrative:
Hello, Please see the attached credit report from Equifax on XX/XX/XXXX report ( annual credit report.com ) EQUIFAX IS SHOWING FRAUDLENT PAYMENTS MADE ON THIS ACCOUNT ON XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX. 
STATING PAYMENTS WERE MADE IN THE AMOUNT OF {$510.00} ON THESE DATES. 

AND A PAST DUE OF 30 DAYS ON XX/XX/XXXX. 

ACCOUNT IS TERMINATED CLOSED NOT OPEN THIS IS ALL FRAUDLENT INFORMATION AND NEEDS TO BE TAKEN OFF IMMEDIATELY. 

THIS IS MY 101 REQUEST AND EQUIFAX JUST KEEPS LIEING AND GIVING ME A BUNCH OF XXXX! TAKE THIS XXXX  OFF OF MY CREDIT REPORT IMMEDIATELY AND STOP LYING TO THE GOVERNMENT!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: FL

Complaint narrative:
This letter serves as my second and final written dispute regarding the reporting of the account listed as XXXX XXXX on my credit file. Despite my prior dispute, this account continues to be reported inaccurately and in violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

According to FCRA 602 ( A ), credit reporting agencies must maintain the maximum possible accuracy of the information they report. Additionally, under FCRA 611 ( A ) ( 1 ) ( A ), you are required to conduct a reasonable investigation of any disputed item within 30 days of receiving my request and delete or correct any information that can not be verified. 

This account shows derogatory and late payment information that can not be verified as accurate or complete. Under FCRA 607 ( B ), you are obligated to ensure all data reported is correct and fully substantiated by the furnisher. Continued reporting of unverified or incomplete data is a willful violation of federal law and may subject your agency to civil liability under FCRA 616 and 617.

Be advised that : The Paid profit and loss and 120+ days late remarks are inconsistent and inaccurate with the accounts closure and reported {$0.00} balance. 
The furnisher ( XXXX XXXX ) has failed to provide verification of the alleged late payments or derogatory status. 
Reporting a disputed account without clear verification violates FCRA 611 ( A ) ( 5 ) and 623 ( A ) ( 3 ).

I am demanding that this account be deleted immediately or marked as Deleted Unverified Account from my credit file. 

If this item is not removed within 15 days of receipt of this letter, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office for non-compliance with the FCRA. 

Please send me written confirmation once this item has been removed or corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : 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 explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX XXXX Total fraudulent amount : Total fraudulent amount : Total fraudulent amount : Total fraudulent amount : {$870.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: FL

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
The personal information on my credit report were outdated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: TX

Complaint narrative:
I sent a certified letter to Experian on XX/XX/year> with tracking # XXXX it shows the delivery date of XX/XX/year>, XXXX pm. The letter stated they needed to promptly investigate the account and correct it or delete it. This included letters for accounts : XXXX XXXX XXXX - {$940.00} ( account # XXXX ) XXXX XXXX - {$22000.00} ( account # XXXX ) Experian failed to respond. I sent another letter on XX/XX/year> which they failed to respond once again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: NC

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: PA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/2025 XXXX XXXX XXXX XXXX XXXX  Date Opened : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: MD

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
I am filing a formal complaint against Comenity Capital Bank regarding improper finance charges assessed on my XXXX XXXX XXXX credit card account. Despite my good faith efforts to resolve this matter directly with the bank, their investigation was inadequate, and they continue to hold me responsible for interest charges that resulted from inaccurate information provided by their own representative and from failures in communication.

Details of the Dispute : 1. Misinformation by Comenity Representative o I specifically asked Comenitys representative how much I needed to pay monthly to ensure my promotional balance was paid in full before the expiration date.

o The representative instructed me to increase my monthly payment to a specific amount, which I did consistently ( reflected in my bank statements ).

o Despite following these instructions in good faith, Comenity assessed finance charges at the end of the promotional period. 
2. Request to Pull Call Recordings Ignored o I asked Comenity to review the recorded call ( s ) where this misinformation was given.

o Their written response failed to address this request, instead citing generic language about promotional balances. This suggests they did not adequately investigate the substance of my dispute. 
3. Failure of Communication o I did not receive billing statements by mail during the promotional period, which deprived me of the opportunity to see reminders and payoff requirements.

o Comenitys claim that I should have reviewed online statements does not absolve them of responsibility to send accurate and reliable communications.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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:
This letter is a formal dispute of multiple inaccurate and non-compliant tradelines under the Fair Credit Reporting Act. You are publishing information that fails to meet the accuracy and completeness requirements of 607 ( b ) and the procedural reinvestigation duties under 611 ( a ) ( 1 ) ( A ).

I hereby dispute the following accounts in their entirety and every late month reported thereunder : XXXX. XXXX XXXX XXXX XXXX XXXX Re-aged, inconsistent status codes. 
XXXX. XXXX XXXX XXXX Charge-off reported with current balance and past due. 
XXXX. XXXX XXXXXXXX XXXX XXXXXXXX Closed yet still showing delinquent. 
XXXX. XXXX XXXX XXXX missing Date of First Delinquency, falsely open. 
Provide complete running statements or payment ledgers proving due-date, receipt, and posting for every month alleged late. Codes or e-OSCAR responses are not proof of verification ( XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ). 
If you can not independently verify with original source documentation, delete the tradeline ( s ) in full pursuant to 611 ( a ) ( 5 ) ( A ). Continued reporting of unverifiable data constitutes willful non-compliance subject to damages under XXXX. 
Failure to correct will prompt immediate complaints to the CFPB, FTC, and State Attorney General. 
Sincerely, XXXX XXXX Enclosures : Copy of ID Proof of Address Highlighted Experian Report Pages

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: NY

Complaint narrative:
The original creditor reports a charge-off balance of {$3400.00} ( now {$0.00} ) after the account was sold. However, XXXX XXXX XXXX is reporting a collection balance of {$4500.00}, which does not match the amount written off by the original creditor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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:
Unauthorized access to my credit report by multiple companies has directly harmed both my credit and my credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That promise has not been fulfilled, and the inquiries still remain. 

This continued inaction is unacceptable. The presence of these potentially fraudulent entries raises serious concerns of identity theft and has caused me ongoing emotional and financial distress.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: NY

Complaint narrative:
Improper use of my credit file without validated consent. 

See attached letter

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: NY

Complaint narrative:
Improper use of my credit file without validated consent. 

See attached letter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HW Holding, Inc
State: OR

Complaint narrative:
Hunter Warfield , Inc. ( account XXXX XXXXXXXX ) violated federal debt collection laws : XXXX XXXX XXXX XXXX XXXXXX/XX/year>XXXX XXXX XXXX XXXX I sent a certified dispute letter ( tracking XXXX XXXXXXXX ) demanding debt validation under FDCPA XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hunter Warfield ignored my dispute and sent an illegal settlement offer for {$2300.00} ( attached ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They deflected with a fraudulent " fraud investigation '' request ( attached ), continuing collection efforts. 

XXXX XXXX  Violations XXXX XXXX XXXX XXXX XXXX XXXX FDCPA 1692g XXXX XXXX  : Failed to validate debt within 5 days. 
XXXX. XXXX XXXX  FDCPA 1692c ( c ) XXXX XXXX : Continued collection after cease & desist. 
XXXX XXXX XXXX FCRA 623 XXXX XXXX XXXX Reported a debt invalidated by a binding settlement agreement ( attached ). 

XXXX XXXX Harm Caused XXXX XXXX XXXX  -My score dropped XXXX points and caused complications for credit related tasks ( e.g. renting )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
I am formally writing to express my concerns with XXXX and Chime handling disputes, particularly in the light of the recent CFPB lawsuits highlighting significant issues with the platform. Despite using Chime and XXXX numerous And reporting discrepancies. My financial institution with XXXX and chime failed Investigate my claims adequately. They informed me that recovering the lost funds was impossible and tracking these funds were unfeasible. The CFPBs finding indicates that XXXX and chime has not only neglected to protect its consumers, but also allowed repeat offenders to exploit the system leaving users, vulnerable to scams. The lack of accountability and transparency is unacceptable and raises concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: CO

Complaint narrative:
These entries are inaccurate and do not accurately represent my payment history. I have made multiple requests for an investigation and correction of these discrepancies, yet no meaningful action has been taken. Despite submitting all required documentation and following up repeatedly, these errors remain unresolved. This ongoing inaccuracy has caused significant financial hardship and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information found to be inaccurate or unverifiable. I am therefore requesting that you immediately investigate and update or remove these erroneous late payment entries. Continued failure to correct these inaccuracies constitutes a violation of my rights under federal law. I expect your prompt attention and a written confirmation of 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 explanation