vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 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: OR

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-11-17 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: NJ

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 2025-11-17 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: OH

Complaint narrative:
The payment in question was due on XX/XX/year>, and the original amount was {$320.00} ( or XXXX once the late fee was added ). I attempted to make this payment on time, but my bank declined the transaction for security reasons. I did not receive any notifications that the payment had failed. If I had been notified, I would have corrected it immediately. Because of this, the late payment was caused by a bank authorization issue rather than intentional negligence. When I contacted XXXX about the situation, they refused to help, did not provide clarification, and did not address my concerns. 

I also want to note that some of the loan-related mail the XXXX  sends may be delivered to my parents ' address, where I no longer live. Because of this, I did not reliably receive billing statements or notices related to the account. This contributed to the late payment being reported inaccurately and incompletely, because I was not made aware of the issues with the payment or the account. XXXX failed to provide proper notice, which is required for accurate and complete credit 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 2025-11-17 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: OH

Complaint narrative:
The payment in question was due on XX/XX/year>, and the original amount was {$320.00} ( or XXXX once the late fee was added ). I attempted to make this payment on time, but my bank declined the transaction for security reasons. I did not receive any notifications that the payment had failed. If I had been notified, I would have corrected it immediately. Because of this, the late payment was caused by a bank authorization issue rather than intentional negligence. When I contacted XXXX about the situation, they refused to help, did not provide clarification, and did not address my concerns. 

I also want to note that some of the loan-related mail the XXXX  sends may be delivered to my parents ' address, where I no longer live. Because of this, I did not reliably receive billing statements or notices related to the account. This contributed to the late payment being reported inaccurately and incompletely, because I was not made aware of the issues with the payment or the account. XXXX failed to provide proper notice, which is required for accurate and complete credit 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 2025-11-17 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: MD

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist 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 non-monetary relief
Consumer complaint received 2025-11-17 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: GA

Complaint narrative:
I am filing this complaint regarding multiple inaccuracies on my credit reports from Experian, Equifax, and TransUnion, which have caused significant confusion and potential harm to my creditworthiness. My account with XXXX XXXX XXXX ending XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is reported inconsistently : Experian lists a balance of {$25.00} with last activity on XX/XX/XXXX, Equifax lists the same balance with last activity XX/XX/XXXX, and TransUnion shows {$25.00} with last activity XX/XX/XXXX, creating contradictory information across all three bureaus. My XXXX  XXXX account ending XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  is similarly misreported, with Experian showing a balance of {$450.00} and last activity XX/XX/XXXX, Equifax showing last activity XX/XX/XXXX, and TransUnion showing last activity XX/XX/XXXX. Additionally, my XXXX XXXX account ending XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  is reported by Equifax with a balance of {$1000.00} and last activity XX/XX/XXXX. These errors violate the Fair Credit Reporting Act ( FCRA 611, 623, 605 ), including my right to dispute inaccurate information, the furnishers duty to investigate and correct errors, and the requirement to remove obsolete or inconsistent information. Despite my efforts to contact the credit bureaus and provide supporting documentation, these discrepancies remain uncorrected, and I am seeking assistance to ensure accurate 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 2025-11-17 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:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I submitted a formal dispute letter to Experian on XX/XX/year>, regarding multiple inaccurate late payment entries reported on my credit file. Despite citing violations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), Experian has failed to provide proper verification, documentation, or correction of these entries. The reported late payments are the result of furnishers internal reporting errors, not actual delinquencies, making them inaccurate and unverifiable. Experian has therefore failed to conduct a reasonable reinvestigation as required by law. 

TXXXX 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 2025-11-17 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: NJ

Complaint narrative:
On XX/XX/XXXX, I reviewed my Chime transaction history after taking a XXXX ride through XXXX. During this review, I found XXXX XXXX transactions that I did not authorize : XX/XX/XXXX {$24.00} XX/XX/XXXX {$22.00} ( A prior unauthorized charge from XX/XX/XXXX for {$17.00} had already been resolved. ) After discovering these unauthorized charges, I filed a police report with the XXXX Police Department and submitted a dispute through Chime. Chime initially issued provisional credit, but then removed the funds and marked my case as denied, without providing a clear explanation. 

On XX/XX/XXXX, I called Chime to ask about the denial. During this call, the representative behaved in an extremely unprofessional and abusive manner. He laughed at me, insulted me, called me an XXXX, dismissed my questions, and ridiculed me, leaving me in tears and feeling hopeless. Chime records all calls, and this behavior should be verifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, I went to a Bank of America branch to ask why a manual hold had been placed on our joint checking/savings account. I am a joint owner and the legal Power of Attorney ( POA ) for my husband, whose POA is already on file with the bank. The manager refused to explain why the hold was placed, refused to provide any written notice, and told me that my POA does not count, which is incorrect. I was denied access to the account and told that I could not request removal of the hold or take any action. I received no explanation or assistance and was treated dismissively as an elder client. The problem remains unresolved, and I was left without access to my own joint account.

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 monetary relief
Consumer complaint received 2025-11-17 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: GA

Complaint narrative:
There are accounts on my credit report that violates FCRA laws

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 2025-11-17 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: OH

Complaint narrative:
Identity Theft & FCRA 605B Block Request Date : XX/XX/year> Summary : I am submitting this complaint because my credit reports with Equifax, Experian, and TransUnion contain negative items that are the result of identity theft and/or were reported without my consent. These items are harming my credit standing. 

Relief Requested : Please ensure the nationwide consumer reporting agencies comply with FCRA 605B ( 15 U.S.C. 1681c-2 ) by blocking and deleting the identitytheftrelated items within four business days of receiving my identity theft report.

Supporting Documents : IdentityTheft.gov FTC Identity Theft Report ( and/or police report ) Government-issued ID and proof of address Attachment A Negative Items 605B block request letters to each CRA Negative Items ( summary ) : - Experian : XXXX  XXXX Account charged off. {$1200.00} written off. {$1200.00} past due as of - Experian : XXXX  XXXX Account charged off. {$7600.00} written off. {$7600.00} past due as of - Experian : XXXX  XXXX Account charged off. {$5800.00} written off. {$5800.00} past due as of - Experian : XXXX XXXX XXXX Transferred, closed. 
- Experian : XXXX XXXX XXXX  Transferred, closed. 
- Equifax : XXXX XXXX XXXX Account closed ; was over 120 Days Past Due - Equifax : XXXX XXXX XXXX Account closed ; was over 120 Days Past Due - Equifax : XXXX XXXX XXXX  XXXX XXXX Charge Off - Equifax : XXXX XXXX XXXX XXXX XXXX Charge Off - TransUnion : XXXX XXXX XXXX XXXX 120 Days Past Due XXXX - TransUnion : XXXX OF XXXX XXXX 120 Days Past Due XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: OH

Complaint narrative:
Identity Theft & FCRA 605B Block Request Date : XX/XX/year> Summary : I am submitting this complaint because my credit reports with Equifax, Experian, and TransUnion contain negative items that are the result of identity theft and/or were reported without my consent. These items are harming my credit standing. 

Relief Requested : Please ensure the nationwide consumer reporting agencies comply with FCRA 605B ( 15 U.S.C. 1681c-2 ) by blocking and deleting the identitytheftrelated items within four business days of receiving my identity theft report.

Supporting Documents : IdentityTheft.gov FTC Identity Theft Report ( and/or police report ) Government-issued ID and proof of address Attachment A Negative Items 605B block request letters to each CRA Negative Items ( summary ) : - Experian : XXXX  XXXX Account charged off. {$1200.00} written off. {$1200.00} past due as of - Experian : XXXX  XXXX Account charged off. {$7600.00} written off. {$7600.00} past due as of - Experian : XXXX  XXXX Account charged off. {$5800.00} written off. {$5800.00} past due as of - Experian : XXXX XXXX XXXX Transferred, closed. 
- Experian : XXXX XXXX XXXX  Transferred, closed. 
- Equifax : XXXX XXXX XXXX Account closed ; was over 120 Days Past Due - Equifax : XXXX XXXX XXXX Account closed ; was over 120 Days Past Due - Equifax : XXXX XXXX XXXX  XXXX XXXX Charge Off - Equifax : XXXX XXXX XXXX XXXX XXXX Charge Off - TransUnion : XXXX XXXX XXXX XXXX 120 Days Past Due XXXX - TransUnion : XXXX OF XXXX XXXX 120 Days Past Due 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 2025-11-17 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: NY

Complaint narrative:
This letter serves as a second dispute of the late payment history being reported for this account. 

Your prior reinvestigation did not include ANY documentation from XXXXXXXX XXXX XXXX. 
A generic verified response without proof fails to meet the reasonable reinvestigation standard under * * FCRA 611 ( a ) ( 1 ) * *.

I am demanding : 1. Manual reinvestigation 2. Full payment ledger from XXXX XXXXXXXX XXXX 3. Internal servicing notes showing the alleged delinquency dates 4. Proof that notices were sent 5. Full ACDV response file If the furnisher can not produce * * documentary proof * *, these late payments must be deleted under * * FCRA 607 ( b ) * *. 

This account remains in dispute until corrected or deleted. 

Respectfully, 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 2025-11-17 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Email : XXXX Phone : XXXX Date : XXXX To : TransUnion XXXX XXXX XXXXXXXX XXXX, XXXX, PA XXXX Subject : Unauthorized Credit Inquiries Request for Removal To Whom It May Concern, I am writing to formally dispute the following unauthorized inquiries on my credit report. I did not authorize these inquiries, and they do not have a permissible purpose under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. 

Company Name Date Inquired Type Date Reported XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX TransUnion XXXX XX/XX/XXXX ; XXXX  : Not Reported ; XXXX  : Not Reported XXXX  XXXX XXXX Personal Loan Companies TransUnion  : XXXX XXXX ; XXXX  : Not Reported ; XXXX  : Not Reported Action Requested : 1. Remove these unauthorized inquiries from my credit report immediately.

2. Provide written confirmation once the deletions have been completed.

3. Ensure that no future inquiries are made without proper authorization or permissible purpose.

Per FCRA 611 ( a ), you are required to investigate disputes and correct or delete any inaccurate or unverifiable information. Since these inquiries were made without my consent, they are inaccurate and must be removed. 

Please respond within the 30-day timeframe required by law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX Phone : XXXX Email : 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 2025-11-17 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: CA

Complaint narrative:
Request for Immediate Deletion Under FCRA 602A, 609 ( a ), 611 & FDCPA 809 ( b ) Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Date Opened ( Reported ) : XX/XX/year> Balance : {$970.00} I am disputing XXXX XXXX XXXX XXXX collection reporting on my TransUnion credit file. This account is fraudulent, unauthorized, and the result of identity theft. I have no relationship with this creditor or the original creditor, and I never lived at or used the address connected to this account. ( the address contains no apartment number ) Under FCRA 605B, once a consumer provides an identity theft report, a credit reporting agency must block and deleteall information that resulted from identity theft. I have submitted my FTC Identity Theft Report and supporting documentation. 

Both XXXX XXXX XXXX have already removed this same fraudulent account from my credit file, confirming the information is unverifiable and inaccurate. TransUnion is the only bureau still reporting it, despite clear evidence of 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 explanation