vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The presence of an eviction record on tenant screening reportsdespite its absence from my credit reportraises serious concerns regarding the accuracy and reliability of the data being reported. The glaring absence of concrete evidence to support the validity of this eviction, combined with the dissemination of unverified information to third-party screening agencies, represents a clear violation of the statutory requirements outlined in 15 U.S. Code 1681i ( 7 ). This lack of compliance with federal law is not only troubling but also deeply frustrating, especially considering the critical importance of adhering to legal obligations that protect consumers from harm caused by inaccurate reporting. 

Therefore, I strongly advocate for the immediate removal of this eviction record in accordance with the specified regulations, unless verifiable, documented evidence is promptly provided to establish its authenticity. Any delay in resolving this issue further compounds the damage and underscores a troubling disregard for the regulatory standards and legal protections designed to ensure fairness, accuracy, and transparency in the handling of consumer data.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Yes see I have never applied for credit before. So I havent built up a bunch of credit because they dont count rent, power bill, mobile phone payments so I never have established credits so I recently tried to get a loan from a few companies who had been sending me numerous amounts of credit applications over and over so I try to get some credit cards as well as personal loans to fix up my home that is paid for. And no one will give me credit because they say it is bad. Only thing Ive ever seen is a hospital bill that Ive discovered that only reason it wasnt paid is because of them billing me 3 times for same reason. So my insurance refuses to pay it because of this and so do I. So I really shouldnt have anything on my report to warrant them not giving my credit. After they have sent at least XXXX emails offering me credit cards loans, etc, etc.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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:
Good day, I'm Sending this complaint, regrading to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'm thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to remove the listed itemswithin the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4600.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: NC

Complaint narrative:
Good day, I'm Sending this complaint, regrading to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'm thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to remove the listed itemswithin the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4600.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: TX

Complaint narrative:
I recently contacted the bureaus that I am a victim of identity theft. the XXXX XXXX XXXX number XXXX ] Date opened XX/XX/year> is a fraudulent account. I do not have a vehicle with this company. somehow the credit bureaus have failed to protected my credit report and allowed this fraudulency not happen. this is it not my account further more, please send my information on how this fraudulent account was verified, with and by whom and on what date

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: TX

Complaint narrative:
I recently contacted the bureaus that I am a victim of identity theft. the XXXX XXXX XXXX number XXXX ] Date opened XX/XX/year> is a fraudulent account. I do not have a vehicle with this company. somehow the credit bureaus have failed to protected my credit report and allowed this fraudulency not happen. this is it not my account further more, please send my information on how this fraudulent account was verified, with and by whom and on what date

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: CA

Complaint narrative:
I am writing to formally dispute a late payment reported on my credit report for the following account : Creditor : XXXX Account Number : XXXX This late payment is inaccurate and should be removed in accordance with the Fair Credit Reporting Act.

At the time of the payment, I was in a relationship with someone who had access to my personal laptop. After the relationship ended, I discovered that this individual had accessed my account without my permission and intentionally disabled my autopay settings. They later admitted over the phone that they were the one who made those changes. As a result, the scheduled payment was never processed, and I had no idea it failed until I noticed the late payment reported to the credit bureaus.

I have since secured my accounts and changed all login credentials to prevent any future unauthorized access. I take my credit seriously and have a history of responsible payments, so this isolated late mark caused by tampering from someone else is not an accurate reflection of my creditworthiness. 
This situation falls under the protections of the Fair Credit Reporting Act, specifically : 15 U.S. Code 1681s2 Furnishers are required to report accurate information and must correct any inaccuracies when notified 15 U.S. Code 1681i Credit reporting agencies must investigate disputed items and delete any unverifiable or inaccurate information within 30 days Because this late payment was caused by unauthorized access and not intentional nonpayment, I am requesting that it be removed from my credit report. If the furnisher can not provide documented evidence that I personally initiated the changes that led to the late payment, it must be deleted as required by law.

Please notify me of the results of your investigation, and I appreciate your time and cooperation in resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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 recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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 insisting on the prompt deletion of the disputed item and immediate escalation of this matter to an Equifax compliance supervisor. Failure to resolve this swiftly will result in a formal complaint to the XXXX of the XXXX XXXX ( XXXX ) and a request for intervention from congressional authorities. 
XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: SC

Complaint narrative:
My credit file appears to be mixed with another individuals information, leading to inaccurate accounts appearing on my report. I have never had accounts with several of the companies listed, and the identifying information on those entries does not match mine. Under FCRA 607 ( b ), consumer reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy. The presence of mixed-file data shows a failure to comply with this standard. 
XXXX XXXX XXXX Balance : {$7100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX XXXXXXXX Balance : {$240.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXXXXXX XXXX XXXXXXXX Balance : {$830.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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 insisting on the prompt deletion of the disputed item and immediate escalation of this matter to an Equifax compliance supervisor. Failure to resolve this swiftly will result in a formal complaint to the XXXX of the XXXX XXXX ( XXXX ) and a request for intervention from congressional authorities. 
XXXX BANK XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: AL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX XXXX  before the payment due date. I have requested proof that this information was mailed or delivered XXXX XXXX  before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me 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 explanation
Consumer complaint received 2025-07-29 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: OH

Complaint narrative:
My Pay is an advan e feature used by chime. I never used this feature but somehow was signed up for it through my account after making a direct deposit with them. The feature was used and I unknowingly owed them money ( XXXX notification ). Even worse this event took place last year and is just now taking my money today of this year. They told me how long ago the advance was made and somehow through all that time it was somehow never paid off. I asked them to speak with a higher up that could help me solve the bank issue within the next 24 hours and they hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Kabompo Holdings, Ltd.

Complaint narrative:
My XXXX  wallet ( XXXX ) has had its XXXX balance frozen by Paxos for weeks without any justification. I have contacted Paxos Support multiple times, including escalations under Ticket # XXXX, but no resolution has been provided. I also formally escalated to their compliance team on XX/XX/XXXX, and only received generic responses. I am requesting XXXX to intervene and require Paxos to provide : - A reason for the freeze.

- A timeline for resolution.

- Confirmation of compliance obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AZ

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: CA

Complaint narrative:
Hello. There are fraudulent inquiries on my report applications made in my name that I did not make nor given/authorize consent to. I suspect that it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: IL

Complaint narrative:
Hello! I'm submitting this complaint to follow up my previous letter that I'm requesting for removal of Fraudulent items from my file. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( a ), I am requesting full debt validation for the account listed under Exeter Finance LLC, which was charged off on XX/XX/year>. As the consumer, I have the right to request proper documentation showing proof of the original debt, the full payment history, and legal ownership or assignment of the account. Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), any furnisher of information, such as Exeter Finance LLC or its collection agency, is required to ensure all information reported to credit bureaus is accurate, complete, and verifiable. If such information can not be validated, it must be corrected or removed from my credit report. Failure to comply may result in liability for damages under 15 U.S.C. 1681n and 1681o.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: GA

Complaint narrative:
Subject : Continued Reporting of Inaccurate Late Payments Without Verification I am filing this complaint against Experian, Equifax, and TransUnion for repeatedly failing to correct multiple inaccurate and unverified late payment entries on my credit reports. This is now my XXXX  formal attempt to resolve these issues through direct disputes with the credit bureaus. My initial submission was sent over XXXX  days ago, followed by a XXXX  dispute, yet to date no proper documentation or verification has been provided by the bureaus or the furnishers. 

These disputes have been filed personally by me, XXXX XXXX XXXX, not by a third party or credit repair organization. I am exercising my rights under both the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( XXXX ), which require fair and accurate credit reporting and proper dispute handling. 

Nature of the Inaccuracy The late payments being reported XXXX constitute billing errors under XXXX XXXX Code XXXX ( b ) for the following reasons : Failure to properly post or credit timely payments Errors in computation or internal accounting Failure to send billing statements at least XXXX  days before the due date, making the " late '' designation invalid under federal law Despite raising these concerns in my disputes, the credit bureaus have not supplied any documentary proof or evidence that substantiates the accuracy of the late payments. No method of verification or furnisher contact details were disclosed, in violation of XXXX XXXX. XXXX ( a ) ( XXXX ). 

Accounts in Dispute : Alleged Late Payments XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Entries repeated across XXXX different months ) Alleged Late Payment XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief