vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-31 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: NC

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: AZ

Complaint narrative:
This is a Collection account that has be sold to a 3rd party so therefore it forfeited its right to try and to collect any in accurate debt. Section 604 15 u.s.c 1681 B states that the credit reporting agencies do not have the right to report without my written consent. By law section 605 A 15 u.s.c 1681 C-2 states that with no consent it is considered identity theft and all in accurate accounts must be deleted. 

" I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719 | May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-31 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: IL

Complaint narrative:
My name is XXXX XXXX, and I am formally disputing several unauthorized accounts and inquiries currently listed on my credit report. I am requesting the immediate blocking and removal of these items in accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), as they are the result of identity theft.

Unfortunately, I have become a victim of identity theft. I did not open or authorize the following accounts or inquiries, nor did I approve any transactions associated with them. These fraudulent entries are negatively impacting my credit profile and financial integrity. 


Fraudulent Accounts to Be Blocked Creditor Name Date Opened Amount Owed Status XXXX XXXX XXXX XX/XX/XXXX {$90.00} Collection/Charge Off XXXX XXXX XXXX XX/XX/XXXX {$73.00} Collection/Charge Off Unauthorized Inquiries to Be Removed Creditor Name Type of Business Date of Inquiry Credit Bureau XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Experian XXXX XXXX Credit Card XX/XX/XXXX. Transunion

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 2025-05-31 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION 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. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit 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 2025-05-31 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: NC

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

Company 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 2025-05-31 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company 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 2025-05-31 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc

Complaint narrative:
I live in XXXX. 
I have received a series of emails from Chime Bank, about an account that I never opened. 
I am concerned this is fraud. I asked Chime to close this account. 

They say my email is active to an account. But other information does not match. They removed my email. 

But this does not answer the question : is there an unauthorised account active in my mane? 

If so, please close this. 
If not, the matter is closed. 
I want a reply from them in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: DE

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Complaint Rebuttal Relevant Complaint Number : XXXX Date : XX/XX/year> Subject : Inadequate Reinvestigation and Continued Non-Compliance by Experian To Whom It May Concern, I am writing to formally respond to Experians latest reply dated XX/XX/year>, regarding the above-referenced complaint. Their response is unacceptable and reflects a continued pattern of non-compliance with the Fair Credit Reporting Act ( FCRA ). 

Key Issues Not Addressed : Failure to Substantiate " Verification '' : Experian claims that the disputed accounts were verified by the data furnishers. However, they have failed to provide any documentary evidence to support these so-called verification 's. Simply stating that a furnisher responded is not a lawful reinvestigation under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). The consumer is entitled to a description of the procedure used to determine the accuracy and completeness of the information, which Experian has not provided.

Refusal to Provide Full Credit Report : I still have not received a full copy of my Experian credit report, which I am entitled to under 15 U.S.C. 1681j. Blocking access to my report is a serious FCRA violation, especially during an active dispute and adverse credit reporting. 

No Evidence of Independent Investigation : Experian simply deferred to the furnisher without conducting an independent investigation of the inaccuracies I reported. This violates 15 U.S.C. 1681i ( a ) ( 1 ) which mandates a reasonable reinvestigation by the credit reporting agency ( CRA ) itselfnot XXXX reliance on third parties. 

Failure to Remove Unverifiable Information : Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), any information that can not be verified must be deleted from the credit report. Experians vague and unsupported claim of verification does not meet this legal requirement. 

Relief Requested : I am respectfully requesting the CFPB to take immediate and escalated enforcement action to ensure that Experian : Provides documented evidence of the " verification '' process used for each disputed item, including a description of how the information was confirmed and by whom ; Sends me a full and current copy of my Experian credit report as required by law ; Sincerely, 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 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit score is not available on Equifax. I have been using credits for over 10 years, including multiple credit cards as well as auto and student loans. My credit history is fully reflected with both XXXX XXXX XXXX. However, Equifax does not display any credit information for me. 

I called Equifax many times and they said I either did not build credit or the creditors did not send credit reports to them. I called XXXX XXXX XXXXXXXX and XXXX, with whom I have active credit card accounts. Both institutions confirmed that they report my credit information to Equifax on a monthly basis and that the personal information they have on file matches what I have on my Equifax account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( 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 ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-05-31 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: CBC Companies, Inc.
State: WA

Complaint narrative:
I have previously disputed with XXXX XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 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: VA

Complaint narrative:
On XX/XX/year>, XXXX XXXX reported a new credit on my record from XXXX XXXX XXXX. First attempt to have the report cleared from my credit has not been successful. A dispute was initiated with Experian ( Report NumberXXXX ) to take the loan of my report but XXXX XXXX XXXX has rejected the request. 
The address on the Loan is in Maryland which is 100 % incorrect because I have not lived in Maryland or have a mailing address at Maryland. 
Further enquiries from XXXX XXXX XXXX per their agent XXXX XXXX  emanate from XXXX XXXX XXXX and who also transferred me to XXXX. 
I dispute this report on my credit because I have not applied for any loan to install security cameras or had any conversation with XXXX XXXX XXXX and XXXX agents. 
I have lived in Virginia and the address from Maryland is not mine. 
XXXX XXXX XXXX XXXX, MD XXXX In addition, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX could all not trace the loan using my phone number which is the only number I have for all my records.

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 2025-05-31 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 filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$5000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$5500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1500.00}

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 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-31 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: MI

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX for reporting inaccurate and incomplete late payment information on my credit report. I reviewed my report and found that the creditor failed to report my payment history correctly, in violation of 15 U.S.C. 1666 ( b ) of the Truth in Lending Act, which defines what constitutes a billing error. 

Account in Dispute Creditor : XXXX XXXX XXXX Account Number ( Last Digits ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Type of Dispute : Late payment inaccurately reported Status : Open Violation Summary Under 15 U.S.C. 1666 ( b ), the following billing errors apply to this case : Section ( 4 ) : The creditor failed to accurately reflect a payment made or a credit issued on a statement.

Section ( 5 ) : The creditor made a computation or accounting error in reporting. 

Additionally, no billing statement was provided 21 days prior to the due date, as required by federal law. This omission invalidates any late payment reporting during that period. 

I do not recall being late on this account. I am requesting documentary evidence that supports the reported late payment ( s ), such as : Billing statements sent 21 days before the due date, Proof of late receipt of payment, Any signed acknowledgment of delinquency, Internal accounting records showing an actual delay. 

If the creditor can not provide such evidence, I am requesting that the payment history be updated to reflect Paid on Time for the disputed period. 

Requested Resolution Immediate reinvestigation and correction of the payment history. 

Full deletion or correction of the inaccurate late payment entry. 

Production of documentary evidence supporting the late payment reporting, or confirmation that it has been removed. 

A written response outlining the actions taken as required by law. 

Legal Notice and Next Steps I am also submitting this dispute to the following agencies for review and oversight : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  State Attorney Generals Office The failure of XXXX XXXX XXXX to meet its legal obligation to report accurate information and provide adequate notice is unacceptable and has caused me undue harm. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation