vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-02 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: FL

Complaint narrative:
I have paid this company in full and need them removed from my credit report ASAP. Im in the process of trying to move by the end of this month and this is stopping me. This have been very XXXX  and the long run, because I never did any type of business with this company. But I needed it off my credit report and the credit bureau refused to remove it. Even though I never did any type of business with XXXX XXXX. I never stayed at any of their properties. So after doing something paid it because I need it off my credit and Im tired of the back and forward and the XXXX. Its crazy how people can just put fraudulent information on people credit report and you dispute it and the credit bureau refuses to remove it off of your credit report.

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 2025-08-01 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: LA

Complaint narrative:
Dear CFPB I hope this message finds you well. 

I am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law.

As per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C. 1681, Section 604 ( a ) ( 2 ) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question. 

In light of these regulations, I must highlight that XXXX ( Account # XXXX ) has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information. 

I kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forward. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/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 2025-08-02 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: IL

Complaint narrative:
I'd like to let you know that there are items on my credit report that have resulted from fraud to which I never benefited from. I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated. I need you to prevent further harm and fraud to my personal information by having all these fraudulent transactions and account removed from my credit report now. I expect this to be resolved immediately. It would be a big help to lessen the tremendous anxiety and XXXX  it's causing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. 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 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax , Inc . XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXXXXXX XXXX. ] XXXX ), the court held that an affidavit sworn under XXXX. XXXX CXXXXe XXXX carries the same force as a notarized affidavit, underscoring the binding effect of perjury statements in Texas. The following accounts were opened without my authorization, directly traceable to the Equifax , Inc. Data Breach ( Case No. XXXX ) and have damaged my FICO score. Under XXXX. XXXX. & XXXX. CXXXXe XXXX ( a ), upon submission of an identitytheft affidavit a consumer reporting agency must block records that result from identity theft : Frivolous Accounts : XXXXXXXX XXXX XXXXXXXX XXXX. XXXX XXXX. XXXX. Date Filed : XX/XX/XXXX XXXX. XXXX. Account No. XXXX. Balance : {$0.00}. Fraud Open Date : XX/XX/XXXX XXXX. XXXX XXXX. Account No. XXXX. Balance : {$0.00}. Fraud Open Date : XX/XX/XXXX XXXX. XXXX XXXX. Account No. XXXX. Balance : {$0.00}. Fraud Open Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX. Account No. XXXX. Balance : {$0.00}. Fraud Open Date : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: FL

Complaint narrative:
I take my credit seriously, and I'm really concerned about the inaccuracies on my credit report. These errors are causing me a lot of stress and are impacting my ability to get new credit. Additionally, I am also writing to request the correction of inaccurate personal information as I've noticed that these errors may have contributed to the issues with my credit applications, which is extremely frustrating. I've worked hard to build my credit, and it's disappointing to see it affected by mistakes that aren't my fault. It's getting me XXXX. I want you to get this fixed as soon as possible because I don't want any more damage to be done.

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 2025-08-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Byrider Franchising, LLC
State: IN

Complaint narrative:
My name was spelt wrong and doesn't have correct address

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX  XXXX XXXX Balance {$7300.00} XXXX  XXXX XXXX Balance {$2600.00}

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 non-monetary relief
Consumer complaint received 2025-08-02 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: CA

Complaint narrative:
I sincerely urge you to expunge this entry from my credit report as it is not linked to me and is clearly fraudulent. I kindly request a thorough investigation and prompt correction of this inaccuracy in my credit history.

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 2025-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: MI

Complaint narrative:
Hello its been almost 2 years since my Chime account was Closed for no Reason at all.I am currently trying to get access back into my chime account. I was locked out of my account on XX/XX/23 I believe my account was hacked I have tried to tell though email but I get no reply back. I only get generic automated messages also I have called countless times they all say the same thing that they will put in a ticket to help me get it resolved but then I get the same email asking to verify my identity over and over. I have already sent my state ID a second form of ID which was my SSN and also proof of recent deposits Countless times. All I get is the same emails asking for the same documents Ive already provided. 

They also are asking for a debit card ending in ( XXXX ) for a document But does NOT belong to me Ive told them countless times they just continue to ask for it. I have provided every other document to verify my identity when I call to explain they say they will put in a ticket for the email support team. But then I get a email asking for it again When I tell them It Doesnt Belong to me they just Say I havent provided All documentation to unlock my account even tho Ive sent proof of recent deposits and also 2 forms of ID Ive been fighting back and forth with them for 2 years I just want my last paycheck I received from working at my Job Wich is around {$600.00} its not much but its still my money They said I dont qualify for a refund check because I havent verified my identity which I have did so Multiple times please help Ive made multiple Claims with XXXX and Cfpb No one has still helped me after 2 years.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
b'I sent Comenity a certified letter XXXX XXXX XXXX XXXX XXXX XXXX on XXXX disputing these accounts and demanding:\n\nProof they notified me about transferring/selling these debts (required by FDCPA 1692g)\n\nDocumentation validating the \'Charge Off\' status\n\nTheir violations:\n\n Never responded to my dispute letter\n\n Still reporting as \'Charged Off\' AFTER selling the debts\n\nSent incomplete documents to CFPB XXXX XXXX with no:\n Debt sale notifications\n Signed contracts\n Charge-off calculations\n\nThis illegal double-reporting (original creditor + debt buyer) violates:\n FCRA 1681s-2(a) (inaccurate reporting)\n Regulation V, 12 CFR 1022.43 (duplicate tradelines)\n FDCPA 1692e(8) (false credit reporting)"'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Several months ago, PayPal Credit XXXX issued by Synchrony Bank ) closed my account due to two returned payments. The returned payments occurred because my PayPal account was accidentally linked to my savings account, which had no funds at the time, instead of my checking account, which did have sufficient funds. I corrected this issue immediately. 

I contacted PayPal Credit via phone and spoke with a representative who took notes and assured me I would receive a follow-up regarding my request to reopen the account. However, I never received any written response, call, or email. I have continued to make payments on the account balance in good faith, but the account remains closed with no explanation. 

The account closure was not due to neglect or inability to pay, but to a technical error in the payment source. I am seeking a fair review and resolution of this issue. 

I am concerned about the lack of transparency, follow-up, and the negative impact this may have on my credit, despite my willingness to correct the issue and maintain responsible payment behavior.

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 2025-08-02 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: TX

Complaint narrative:
I had no part in creating these accountsthey were fraudulently opened. Please act in accordance with USC 1681g and remove them from my credit profile within 15 days. Evidence is attached.

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 2025-08-02 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:
All three credit bureaus are reporting seriously inaccurate information and ignoring my disputes. I've been trying to fix these errors for months but they keep sending form letters without actually investigating. 

They can't even get my name right. TransUnion shows " XXXX XXXX '' ( misspelled ) and Equifax shows " XXXX XXXX XXXX '' and " XXXX XXXX '' which aren't my names. My legal name is " XXXX XXXX '' and these errors are creating confusion in my credit file. 

XXXX XXXX is reporting the same {$790.00} debt XXXX different ways across the bureaus. TransUnion and Experian show " XXXX XXXX '' but Equifax shows just " PORTFOLIO '' with a different account number. This makes it look like I owe the same money multiple times, which is hurting my debt-to-income ratio. 

When I disputed these, they said " dispute resolved ; customer disagrees '' but didn't fix anything. They just asked XXXX if the information was correct instead of actually investigating. 

I have a XXXX credit card showing me as " Authorized User '' but they're reporting it as a chargeoff against my credit. I was never the primary account holder and authorized users aren't supposed to be responsible for debt according to federal law. 

There's a XXXX account showing " Late XXXX Days '' even though it's paid with XXXX balance. How can a paid account show late payments? 

I have a XXXX XXXX loan that shows different information on each bureau and may be too old to legally report. 

These errors are hurting my credit scores and preventing me from getting approved for credit I need.

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 2025-08-02 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: FL

Complaint narrative:
All three credit bureaus are reporting seriously inaccurate information and ignoring my disputes. I've been trying to fix these errors for months but they keep sending form letters without actually investigating. 

They can't even get my name right. TransUnion shows " XXXX XXXX '' ( misspelled ) and Equifax shows " XXXX XXXX XXXX '' and " XXXX XXXX '' which aren't my names. My legal name is " XXXX XXXX '' and these errors are creating confusion in my credit file. 

XXXX XXXX is reporting the same {$790.00} debt XXXX different ways across the bureaus. TransUnion and Experian show " XXXX XXXX '' but Equifax shows just " PORTFOLIO '' with a different account number. This makes it look like I owe the same money multiple times, which is hurting my debt-to-income ratio. 

When I disputed these, they said " dispute resolved ; customer disagrees '' but didn't fix anything. They just asked XXXX if the information was correct instead of actually investigating. 

I have a XXXX credit card showing me as " Authorized User '' but they're reporting it as a chargeoff against my credit. I was never the primary account holder and authorized users aren't supposed to be responsible for debt according to federal law. 

There's a XXXX account showing " Late XXXX Days '' even though it's paid with XXXX balance. How can a paid account show late payments? 

I have a XXXX XXXX loan that shows different information on each bureau and may be too old to legally report. 

These errors are hurting my credit scores and preventing me from getting approved for credit I need.

Company response to consumer: Closed with non-monetary relief