vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE IT.

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 2025-10-29 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: TX

Complaint narrative:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE IT.

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 2025-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/year> XXXX transaction for {$60.00} was sent to a cash app user $ XXXX. It failed multiple times but the last one went through. Not long after multiple {$40.00} payments failed to go through. I reported it to cash app and requested a refund aswell

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I hope this letter reaches you in good faith. I am writing as part of my ongoing effort to rebuild my credit profile and ensure that all information reflected on my report is accurate, fair, and compliant with federal law. This letter pertains specifically to XXXX XXXX XXXX accounts that appear on my Trans union file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: IL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 non-monetary relief
Consumer complaint received 2025-10-29 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:
Upon reviewing my credit report, I detected inaccurate accounts that were not a result of any error.

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 2025-10-29 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: AL

Complaint narrative:
A violation of the Fair Credit Reporting Act ( FCRA ) occurs when inaccurate or incomplete information is reported. Under the FCRA, all information reported must be 100 % accurate. I have suffered harm as a result of these violations and am therefore entitled to an appropriate resolution, including the deletion of the inaccurate accounts listed in my attached letter. I hereby demand their immediate 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 2025-10-29 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: PA

Complaint narrative:
Im writing to formally dispute late payment ( s ) being reported on my credit file for the account below. The late marks are inaccurate and should not be on my report because the creditor failed to provide proper notice of the payment due or any missed payment - a failure that denied me the opportunity to correct or prevent the issue. 
Account XXXX : XXXX. XXXXXXXX XXXX Account XXXX : XXXX XXXX. XXXX Account 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 2025-10-29 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This complaint is submitted on XXXX of XXXX XXXX XXXX XXXX of XXXX, XXXX, by her authorized representative XXXX XXXX of XXXX XXXX XXXX XXXX XXXX, pursuant to a signed XXXX XXXX and XXXX XXXX XXXX dated XX/XX/year>. The complaint is directed against Experian for repeated and willful violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) by failing to conduct a proper reinvestigation after receiving a written dispute dated XX/XX/year>. Despite receiving full documentation and authorization, Experian continues to report false, inconsistent, and unverifiable data on several accounts, including XXXX XXXX XXXX XXXX  ( Acct. No. XXXX XXXX XXXX ), reported as both XXXX and XXXX ; XXXX ( Acct. No. XXXXXXXX XXXX XXXX XXXX, which reflects inconsistent payment data. ; Experian has failed to provide verification from the original furnishers or to remove these disputed items within the time required by law, constituting negligence and willful noncompliance under FCRA 1681n and 1681o. The complainant requests immediate correction or deletion of all inaccurate information, confirmation of the reinvestigation results, and regulatory enforcement action against Experian for its continued disregard of federal consumer protection obligations.

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 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XX/XX/XXXX, I reviewed my IdentityIQ XXXX credit report and discovered multiple inaccurate and obsolete items still being reported by TransUnion and Experian, even though they have already been corrected or removed by XXXX. 

A Chapter XXXX bankruptcy filed in XX/XX/XXXX and XXXX in XX/XX/XXXX continues to appear on my TransUnion and Experian reports, even though XXXX  has deleted it as obsolete. The bankruptcy is now over XXXX years old and should no longer appear under the Fair Credit Reporting Act ( FCRA 605 ( a ) ( 1 ) ). 

XXXX XXXX XXXX is still reporting a {$340.00} collection account last active in XX/XX/XXXX. The debt has been disputed, and no supporting documentation or contract has been provided. 

XXXX XXXX XXXX continues to report a {$480.00} charge-off that was included in the XXXX bankruptcy. This is inaccurate, as the account should show a XXXX balance and included in bankruptcy. 

Outdated and incorrect personal information ( former addresses and name variations ) remains on file, which can cause reattachment of previously deleted data. 

I submitted written disputes to TransUnion and Experian but have not received accurate corrections within the required XXXX investigation period. I am requesting that these inaccurate items be removed or corrected immediately and that the CFPB review this matter to ensure full compliance with the Fair Credit Reporting Act ( FCRA 605, 611, and 623 ).

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 2025-10-29 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: TN

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: CA

Complaint narrative:
This complaint is filed on behalf of XXXX XXXX, represented by XXXX XXXX XXXX XXXX ( Authorized Representative : XXXX XXXX XXXX, regarding serious and repeated violations of the Fair Credit Reporting Act ( FCRA ) by Experian Information Services LLC and the data furnishers XXXX XXXX and XXXX XXXX XXXX XXXX  XXXX Despite formal written disputes sent on XX/XX/year>, the credit bureaus and furnishers continue to report contradictory, inaccurate, and unverifiable information. 

XXXX XXXX is listed as both Open and Closed/Charged-Off with identical balances and dates, while XXXX XXXX appears as Open, Closed, and Charged-Off simultaneously, carrying conflicting balances and remarks such as Account Previously in Dispute Now Resolved. These discrepancies are factual impossibilities that demonstrate negligent or willful violations of FCRA 1681s-2 ( a ) ( duty to report accurate information ) and 1681i ( a ) ( duty to conduct a reasonable reinvestigation ). Experian and the furnishers have failed to ensure accuracy, completeness, and consistency in the reporting, resulting in reputational and credit damage to the consumer. 

The authorized representative formally requests the CFPB to initiate enforcement and supervisory review into Experians reinvestigation procedures and the data-furnishing practices of XXXX  XXXX and XXXX XXXX XXXX All unverifiable or conflicting entries should be immediately deleted or corrected across all consumer reporting agencies, and the consumer should receive written confirmation of these updates. 
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 2025-10-29 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: TX

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnio XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX 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 non-monetary relief
Consumer complaint received 2025-10-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the XXXX, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately.

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

As Consumer by law Disputed Items below should be Deleted in my credit report Immediately!

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 2025-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: AL

Complaint narrative:
It started on XXXX. My identity was stolen and fraudulent activity on my account was authorized without my consent. The accounts were from chime. The amount that was taken and disputed numerous times were around XXXX XXXX. I can not close my account due to it being negative cause by the person that stole my account. And pretending to be me. I have told chime to close it immediately. The transaction are being done in California where I use to live. Now Im currently live in XXXX. This situation has caused emotional hardship on me. And chime will not return my funds or close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: MD

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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 2025-10-29 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: MD

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/year> I submitted multiple disputes to Experian. I used a mailing service to do this so that I could better track and submit them as I had quite a few things to submit. I also did not have the time to go to the post office. The mailing service is known as XXXXXXXX XXXX They are very well known and they only print and stuff the envelope address it then mail it USPS mail. on XX/XX/year> after noticing I received notice from Experian on the disputes stating they " felt '' i did not submit said disputes. I called them they told me that they would not be accepting the disputes because they " felt '' the disputes were not from me. I had included all the proof such as a copy of my Passport and a recent copy of a utility bill. I asked the agent if their was something wrong with the paperwork he said no. I then asked why it was not processed. He stated that they " felt '' the disputes did not come from me. I then asked why he could not answer it. Just restating the same thing.They allowed me to put them in over the phone because they had my address messed up on my report causing errors. ( Still Occurring ). These disputes where denied with in 24 hours. I was told this is because of the Address errors on my report. When i tried to fix the address errors they told me to submit evidence of my address. Gave the the upload location. When i attempted this it was failing. It continued to fail when I was finally able to get someone on the phone as they do not answer phone calls any longer and their automated system just puts you in a loop. I finally got them uploaded and was told to wait another 24 hours. Still no results.

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