vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to formally dispute multiple inaccurate and unauthorized items being reported on my credit report. These items are negatively affecting my creditworthiness, and I have no knowledge of these accounts or inquiries. Despite my efforts, these inaccuracies have not been corrected by the reporting agencies. 

The accounts in question are as follows 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 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 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 XX/XX/XXXX I categorically deny having opened or authorized any of the above accounts. I request the CFPB to investigate these matters and ensure the following actions are taken : Immediate deletion of all the above charge-off accounts from my credit report. 

Removal of all unauthorized inquiries listed above. 

Confirmation in writing from the reporting agencies that these corrections have been made. 

The reporting of these accounts and inquiries is in violation of the Fair Credit Reporting Act ( FCRA ), as they are inaccurate, unauthorized, and damaging to my credit profile. I expect that the CFPB will take immediate action to ensure these errors are fully corrected. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: OK

Complaint narrative:
Starting XX/XX/XXXX of XXXX  I received several deposits from XX/XX/XXXX till this present date I have many missing and my credit builder account. For over a month I've asked them for help chime they have not done so. The monthly tracking of my spending astronomical not correct whatsoever I feel that I have over {$2000.00} at his vanished if somebody would just please add up all of my deposits starting XX/XX/XXXX till this present date you will see that I have many missing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Global Lending Services LLC
State: TX

Complaint narrative:
In the previous complaint submitted global took fault for their negligence that has cause my credit to drop a significant amount but my credit is still significantly low and I dont find that fair at all I was advised that the negative impact would be resolved but it doesnt look like thats happened before this whole ordeal I was in the mid XXXX across the board

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: NJ

Complaint narrative:
I am submitting a formal complaint and dispute regarding several inaccurate and harmful negative accounts reported by TransUnion, XXXX, and XXXX  on my XXXX XXXXXXXX credit report dated XX/XX/XXXX ( Reference XXXX  XXXX ). I request a reinvestigation of these listings and correction or deletion, as required under 15 U.S.C. 1681i ( FCRA ). 
Disputed Accounts and Reasons : XXXX ( Installment ) - Account XXXX XXXXXXXX Status : Charge-off, {$2700.00} past due Reason : This debt is not accurate, appears to be a duplicate or unverifiable, and should be removed. 
XXXX ( XXXX ), opened XX/XX/XXXX Status : Charge-off, {$2100.00} past due Reason : Duplicate and erroneous reportingno verification, must be deleted. 

XXXX XXXX ( Credit Card ) - Account XXXX  XXXX Status : Charged off, settled in full Reason : Should be marked Paid as agreed ; currently misreported as derogatory after full settlement. Also a fraudulent account. 

XXXX XXXX XXXX XXXX ( Rental ) - Account XXXX  XXXX Status : XXXX  day lates, open dispute remarks Reason : Payment records and dispute history indicate errors ; lates should be deleted Credit Acceptance ( Auto Loan ) - Account XXXX  XXXX Status XXXX XXXX days late Reason : Marked late for XX/XX/XXXX, despite timely payment ; must be corrected XXXX XXXX ( Auto Loan ) - Account #  XXXX Status : Repossession Reason : Loan redeemed and paid ; report should state Paid vehicle redeemed. 

XXXX XXXX XXXX XXXX XXXX ) - Account XXXX  XXXX Status : {$160.00} active collection Reason : No notice or documentation ; unverified, must be removed. It is a fraudulent account. 

XXXX XXXX XXXX XXXX ) - Account XXXX  XXXX Status : Paid, still coded charge-off/collection Reason : Debt paid in XXXX, yet still derogatorymust be corrected. 

XXXX XXXX ( Account XXXX XXXXXXXX ) Status : Paid, XXXX  days late before closure Reason : Derogatory late status is not accurate, as loan was subsequently paid off.

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 2025-11-06 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: NJ

Complaint narrative:
I am submitting a formal complaint and dispute regarding several inaccurate and harmful negative accounts reported by XXXX, Experian, and XXXX  on my XXXX XXXXXXXX credit report dated XX/XX/XXXX ( Reference XXXX  XXXX ). I request a reinvestigation of these listings and correction or deletion, as required under 15 U.S.C. 1681i ( FCRA ). 
Disputed Accounts and Reasons : XXXX ( Installment ) - Account XXXX XXXXXXXX Status : Charge-off, {$2700.00} past due Reason : This debt is not accurate, appears to be a duplicate or unverifiable, and should be removed. 
XXXX ( XXXX ), opened XX/XX/XXXX Status : Charge-off, {$2100.00} past due Reason : Duplicate and erroneous reportingno verification, must be deleted. 

XXXX XXXX ( Credit Card ) - Account XXXX XXXXXXXX Status : Charged off, settled in full Reason : Should be marked Paid as agreed ; currently misreported as derogatory after full settlement. Also a fraudulent account. 

XXXX XXXX XXXX XXXX ( Rental ) - Account XXXX  XXXX Status : XXXX  day lates, open dispute remarks Reason : Payment records and dispute history indicate errors ; lates should be deleted Credit Acceptance ( Auto Loan ) - Account XXXX  XXXX Status XXXX XXXX days late Reason : Marked late for XX/XX/XXXX, despite timely payment ; must be corrected XXXX XXXX ( Auto Loan ) - Account XXXX XXXXXXXX Status : Repossession Reason : Loan redeemed and paid ; report should state Paid vehicle redeemed. 

XXXX XXXX XXXX XXXX XXXX ) - Account XXXX XXXXXXXX Status : {$160.00} active collection Reason : No notice or documentation ; unverified, must be removed. It is a fraudulent account. 

XXXX XXXX XXXX XXXX ) - Account XXXX XXXXXXXX Status : Paid, still coded charge-off/collection Reason : Debt paid in XXXX, yet still derogatorymust be corrected. 

XXXX XXXX ( Account XXXX XXXXXXXX ) Status : Paid, XXXX  days late before closure Reason : Derogatory late status is not accurate, as loan was subsequently paid off.

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 2025-11-06 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: NJ

Complaint narrative:
I am submitting a formal complaint and dispute regarding several inaccurate and harmful negative accounts reported by XXXX, XXXX, and Equifax on my XXXX XXXXXXXX credit report dated XX/XX/XXXX ( Reference XXXX  XXXX ). I request a reinvestigation of these listings and correction or deletion, as required under 15 U.S.C. 1681i ( FCRA ). 
Disputed Accounts and Reasons : XXXX ( Installment ) - Account XXXX XXXXXXXX Status : Charge-off, {$2700.00} past due Reason : This debt is not accurate, appears to be a duplicate or unverifiable, and should be removed. 
XXXX ( XXXX ), opened XX/XX/XXXX Status : Charge-off, {$2100.00} past due Reason : Duplicate and erroneous reportingno verification, must be deleted. 

XXXX XXXX ( Credit Card ) - Account XXXX  XXXX Status : Charged off, settled in full Reason : Should be marked Paid as agreed ; currently misreported as derogatory after full settlement. Also a fraudulent account. 

XXXX XXXX XXXX XXXX ( Rental ) - Account XXXX  XXXX Status XXXX XXXX day lates, open dispute remarks Reason : Payment records and dispute history indicate errors ; lates should be deleted Credit Acceptance ( Auto Loan ) - Account XXXX  XXXX Status XXXX XXXX days late Reason : Marked late for XX/XX/XXXX, despite timely payment ; must be corrected XXXX XXXX ( Auto Loan ) - Account XXXX  XXXX Status : Repossession Reason : Loan redeemed and paid ; report should state Paid vehicle redeemed. 

XXXX XXXX XXXX ( XXXX ) - Account XXXX  XXXX Status : {$160.00} active collection Reason : No notice or documentation ; unverified, must be removed. It is a fraudulent account. 

XXXX XXXX ( XXXX ) - Account XXXX  XXXX Status : Paid, still coded charge-off/collection Reason : Debt paid in XXXX, yet still derogatorymust be corrected. 

XXXX XXXX ( Account XXXX  XXXX ) Status : Paid, XXXX  days late before closure Reason : Derogatory late status is not accurate, as loan was subsequently paid off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: CBC Companies, Inc.
State: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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 am a victim of identity theft. Attached are my FTC Identity Theft Report, identity documents, and legal demand under FCRA 605B ( 15 U.S.C. 1681c-2 ). I demand the immediate deletion of all fraudulent accounts listed in my letter within XXXX business days, as required by federal law. Failure to comply will result in me filing formal complaints with the CFPB, FTC, State Attorney General, and pursuing civil litigation for willful noncompliance under FCRA 616 & 617. You are legally obligated to block and permanently delete this information. Any refusal, failure, or delay will be treated as intentional violation of my consumer rights, exposing TransUnion to statutory, actual, and punitive damages, including attorneys fees. I expect written confirmation once deletions are complete.

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 2025-11-06 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: UT

Complaint narrative:
Subject : Follow-Up Complaint Regarding Verification of Fraudulent Accounts AND FINAL WARNING FOR INMEDIATE REMOVAL ACCOUNT To Whom It May Concern, I am writing to formally follow up on my previous complaint regarding the failure of [ EQUIFAX ] to remove fraudulent accounts from my credit report. Despite my submission of a Police Report and an FTC identity theft report ( FTC Report Number : XXXX ), [ EQUIFAX ] has claimed that the disputed accounts have been " verified. '' The following fraudulent accounts remain on my credit report, which I have previously identified as resulting from identity theft : Listed below are the Collections that are being challenged 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 According to the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681a ( 4 ) : Protects my privacy rights by ensuring that my credit information is accurate and not misrepresented.

15 U.S.C. 1681b ( 2 ) : Details permissible purposes for accessing my credit report, indicating that only authorized parties can access my information.

15 U.S.C. 1681i : Requires credit reporting agencies to conduct a reasonable investigation when information is disputed.

Additionally, I am invoking 15 U.S.C. 609 ( a ) ( 1 ) ( a ) and 15 U.S.C. 609 ( a ) ( 2 ) to request the removal and to demand proof of its verification. Section According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Furthermore, under 15 U.S.C. 1681c-2, credit reporting agencies are mandated to block information identified as resulting from identity theft. The claim of " verification '' does not satisfy these requirements, and it is evident that [ EQUIFAX ] has not conducted a thorough investigation, nor have they taken the appropriate actions to remove this fraudulent information.

I also believe that the actions of [ EQUIFAX ] may constitute a violation of the Truth in Lending Act ( TILA ), as they have failed to adhere to the obligations concerning accurate reporting and consumer rights. 
I request that the CFPB investigate this matter further and take necessary actions to ensure that these accounts are properly deleted from my credit report. I also seek guidance on the steps I can take to protect my rights as a consumer in this situation. 
Thank you for your prompt attention to this ongoing issue. 
Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: AZ

Complaint narrative:
The disputed item contains false details that mischaracterize my financial conduct. I kindly ask that it be corrected and updated accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: GA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: U.S. BANCORP
State: NE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX I reported to XXXX  the XXXX XXXX that a XXXX transaction from XXXX  was debited from my account . XXXX  put a provisional credit on my account to restore the money . He said the transaction will go through on XXXX  the XXXX XXXX XXXX on XXXX XXXX XXXX I noted that the transaction of the XXXX  went throughr and my account was negative over XXXX  dollars and the also took XXXX  out of my checking reserve . I called the fraud department at XXXX XXXX at XXXX  am amd he said they have XXXX  days to provide provisional credit and nothing he can do but a fraud advisor want assigned until XXXX XXXX and so my XXXX  days starts from there not XXXX.  I have made several calls to them and even told them that I called XXXX XXXX and it was a fraudulent charge. The person XXXX XXXX has account closed and been deleted . They said all they have to do is call us to get charges cleared and funds back to you. In the meantime they have been returning all my bills due to insufficient funds . Also returned my XXXX XXXX bill resulting in a XXXX  fee. Today XXXX XXXX spoke to XXXX  at XXXX XXXX of us bank and said that they are still working on it and I may not get provisional in XXXX  days . I still am negative from XXXX XXXX over XXXX  dollars and they still returning my payments'

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 2025-11-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Rocket Mortgage, LLC
State: MA

Complaint narrative:
I am writing to follow up on my original complaint letter dated XX/XX/year>, which I mailed to Rocket Mortgage regarding misinformation I received about VA loan payment deferment. While I have since received a response from your office ( signed by XXXX ), that response failed to address my specific concerns and did not provide a resolution.

To reiterate, the following issues remain unanswered and unresolved : Instruction to Miss Payment : Why was I explicitly instructed by a Rocket Mortgage representative to miss a payment in order to apply for a deferment? This guidance directly caused financial harm.

False Statements about VA Policy : Why does Rocket Mortgage continue to claim that the VA does not allow deferments, when the VAs official documentation from its Mortgage Loan Servicing and Loss Mitigation Team states otherwise? The VA allows deferments, but the servicer ( Rocket Mortgage ) may choose not to. Misrepresenting VA policy is unacceptable.

Credit Reporting Harm : What steps will Rocket Mortgage take to correct and reverse any negative credit reporting that resulted from my missed payment? Since this delinquency was caused by Rocket Mortgages own misinformation, I should not bear the financial or credit consequences.

Loss Mitigation Options : What specific alternative loss mitigation or payment relief options will you provide me, given that I acted in good faith based on your staffs instructions?

While I appreciate the apology in your prior response, apologies without solutions are not sufficient. The harm caused remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file.

The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes.

Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ 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 2025-11-06 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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