vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 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: NJ

Complaint narrative:
This letter serves as a formal follow-up to my initial dispute ( COMPLAINT # ( XXXX ) ( XXXX ) ( XXXX ) ) regarding inaccurate information being reported on my consumer credit report by Equifax, TransUnion, and Experian for ( XXXXXXXX XXXX  XXXX ( Account # XXXXXXXX XXXX XXXX XXXX. I am now invoking my rights under FCRA 611 ( 15 U.S.C. 1681i ), which mandates that consumer reporting agencies reinvestigate disputed information and provide a detailed description of the procedure used to determine the accuracy and completeness of the disputed items. Since your previous response returned the accounts as verified, I am now requesting the specific method of verification used to reach that conclusion, including the name and contact information of the furnisher, and the original source of the data used to verify the accuracy of the delinquency status reported. If you are unable to provide this information, or if the furnisher can not produce documented evidence bearing my original wet signature authorizing the reporting of such information, then per the FCRA, all contested items in my original dispute must be permanently deleted from the credit report you maintain.

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 2025-05-29 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: NJ

Complaint narrative:
This letter serves as a formal follow-up to my initial dispute ( COMPLAINT # ( XXXX ) ( XXXX ) ( XXXX ) ) regarding inaccurate information being reported on my consumer credit report by Equifax, TransUnion, and Experian for ( XXXXXXXX XXXX  XXXX ( Account # XXXXXXXX XXXX XXXX XXXX. I am now invoking my rights under FCRA 611 ( 15 U.S.C. 1681i ), which mandates that consumer reporting agencies reinvestigate disputed information and provide a detailed description of the procedure used to determine the accuracy and completeness of the disputed items. Since your previous response returned the accounts as verified, I am now requesting the specific method of verification used to reach that conclusion, including the name and contact information of the furnisher, and the original source of the data used to verify the accuracy of the delinquency status reported. If you are unable to provide this information, or if the furnisher can not produce documented evidence bearing my original wet signature authorizing the reporting of such information, then per the FCRA, all contested items in my original dispute must be permanently deleted from the credit report you maintain.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: CA

Complaint narrative:
XXXX Experian, Equifax and Transunion are reporting late payment in XXXX of 2025. This late payment is incorrect and disputed through CFPB. The conclusion was XXXX agreed to submit and update consumer reporting.

" .. we can acknowledge this possibility and that our customer service could have been better in this instance. As a result, we have submitted an updated to the consumer reporting agencies to delete the late mark.

Respectfully, XXXX XXXX. 
XXXX XXXX XXXX However as of XX/XX/XXXX the late remark is still being reported to the 3 credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: CA

Complaint narrative:
XXXX Experian, Equifax and Transunion are reporting late payment in XXXX of 2025. This late payment is incorrect and disputed through CFPB. The conclusion was XXXX agreed to submit and update consumer reporting.

" .. we can acknowledge this possibility and that our customer service could have been better in this instance. As a result, we have submitted an updated to the consumer reporting agencies to delete the late mark.

Respectfully, XXXX XXXX. 
XXXX XXXX XXXX However as of XX/XX/XXXX the late remark is still being reported to the 3 credit agencies.

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 2025-05-29 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: MS

Complaint narrative:
On or before XX/XX/2025, I submitted a formal identity theft affidavit and supporting documentation to Experian by certified mail and electronic upload. This included : A signed FCRA 605B affidavit, My government-issued photo ID, Social Security card , And supporting evidence from the furnishers ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX discrepancies, lack of contract, and lack of authorization. 

Per FCRA 605B, once this information was received and verified, Experian was required to block the disputed tradelines within 4 business days. They received the documentation on XX/XX/2025, and acknowledged receipt via phone call and internal record, which I have documented and recorded. 

Instead of honoring the 4-day rule, Experian responded via email with a generic denial, falsely citing material misrepresentation or goods/services received, without providing any proof or specific evidence as required under FCRA 605B ( c ). They did not contact me for clarification or notify me of any contradiction. They also falsely invoked the 30-day FCRA 611 window despite this being an identity theft block request, not a traditional reinvestigation. 

Furthermore, I have recorded calls with Experian agents admitting the affidavit and ID were received and reviewed, contradicting their automated email response claiming the ID was unreadable. Agents refused to process the request, hung up mid-call, and I have evidence of one being told to end the call by a supervisor. I also submitted Attorney General complaints to XXXX, XXXX, and XXXX  XXXX, and included a Notice of Intent to Sue. 

Despite legal compliance on my part, Experian continues to violate my consumer rights under the Fair Credit Reporting Act, misrepresenting their responsibilities and intentionally delaying action to protect furnishers.

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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I presented the investigation from the Federal Bureau of Investigation ( FBI ), which indicated, XXXX people were defrauded, and court documents were filed in the New York District court. The United States Department of Justice determined, as of XX/XX/year>, XXXX credit cards were used, the total amounts of available credit was charge to the credit limit on those cards. The FBI case number is : XXXX XXXX XXXX XXXX  XXXX. I also filed a complaint with the Federal Trade Commission ( FTC ), XXXX XXXX : XXXX. 
The accounts which were compromised are : XXXX XXXX XXXX, Account Number : XXXX, in the amount of {$20000.00} ; XXXX XXXX, Account Number : XXXX, in the amount of {$20000.00} ; and XXXX XXXX, Account Number : XXXX, in the amount of {$5000.00}.

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 2025-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: MO

Complaint narrative:
Following a serious data breach, fraudulent accounts have been added to my credit report. 
Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I request their removal and blocking within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX MO XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX * XXXX, Date Opened : XX/XX/XXXX, Balance : {$3900.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$270.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$280.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$230.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$270.00} Inquiries XXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: MO

Complaint narrative:
Following a serious data breach, fraudulent accounts have been added to my credit report. 
Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I request their removal and blocking within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX MO XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX * XXXX, Date Opened : XX/XX/XXXX, Balance : {$3900.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$270.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$280.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$230.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$270.00} Inquiries XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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:
I was out XXXX XXXX and I left my purse in the bathroom. When I went back to get it the purse was gone. After searching an employee told me the manager had locked it in the safe and was gone for the night. This happened on a XXXX  and my purse was finally returned XXXX. My chime card had been stolen, used for over XXXX and information was changed. Chime denied my dispute the day my provisional credit was supposed to hit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-29 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX Date : XX/XX/XXXX Subject : Dispute of Unverifiable Late Payments by XXXX XXXX XXXX XXXX XXXX  Request for Immediate Removal To Whom It May Concern, I am writing to formally dispute late payment entries reported by XXXX XXXX XXXX XXXX XXXX XXXXthat appear on my credit report. These entries are inaccurate, unverified, and in violation of my consumer rights under federal law, specifically 15 U.S. Code 1666b of the Truth in Lending Act ( TILA ), which governs the timely crediting of payments and billing accuracy.

The tradeline for XXXX XXXX XXXX XXXX XXXX  on my credit report indicates late payments that I strongly contest. These late payment notations are : 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 XXXXXX/XX/XXXX Under 15 U.S.C. 1666b, creditors are legally required to apply payments promptly and within the terms agreed upon in the billing agreement. Furthermore, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, you are required to investigate any disputed item within 30 days of receiving a consumer dispute. 
I request that you immediately investigate these unverifiable and inaccurate late payment entries and delete them from my credit report. If XXXX XXXX can not provide verifiable documentation proving these payments were indeed late, these entries must be removed in compliance with the FCRA and TILA.

Please provide written confirmation of your investigation results and an updated copy of my credit report reflecting the correction or removal of the inaccurate data. I expect full compliance with federal law and timely resolution within the XXXX period as required. 
Thank you for your attention to this matter. 
Sincerely, 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 2025-05-29 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: MO

Complaint narrative:
I filed for Chapter XXXX bankruptcy on XX/XX/year> ( Case # XXXX ) and received a discharge on XX/XX/year>. Despite this, Equifax is reporting late payments on my XXXX XXXX XXXX account after the bankruptcy was filed, including XXXX and XXXX delinquencies. These remarks are inaccurate and misleading. Ive disputed this with Equifax, but they have failed to correct the reporting. These errors are damaging my credit and preventing me from securing stable housing and reliable transportation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: TN

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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 2025-05-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: VA

Complaint narrative:
I am filing this complaint against MOHELA due to errors in my student loan account. On XX/XX/XXXX, I noticed that my loan balance was incorrectly reported as {$2500.00}, despite my payments being up to date, my eligibility under an XXXX plan, and a pause due to court proceedings. Please note, my initial contact with MOHELA was with XXXX in customer service regarding this matter on XX/XX/XXXX at XXXX XXXX and with XXXX at XXXXXXXX XXXX. My latest contact with customer service was on XX/XX/XXXX, but in both occurrences, customer service failed to correct the issue. Additionally, I am writing to dispute the accuracy of my XXXX XXXX XXXX XXXX ( XXXX ) count. My records indicate that certain payments ( XXXX, XXXX, and XX/XX/XXXX ), which I believe should qualify, have not been added to my official count. Again, I contacted customer service to no avail. Another reason I am filing this complaint is that MOHELA failed to explicitly inform and guide this writer about the XXXX XXXX XXXX XXXX XXXX XXXX  ) application process. Due to a lack of proper advice regarding student loan consolidation, I am required to continue paying a second loan sequence ( XXXX ) that should have been forgiven, as my first loan sequence ( XXXX ) was forgiven on XX/XX/XXXX, via XXXX. On another note, when MOHELA, my student loan servicer, hired untrained customer service representatives due to being overwhelmed by the XXXX loan XXXX initiative, the newly hired, uneducated customer service representatives could not appropriately handle the call volume or provide customers with XXXX XXXX or solutions. Furthermore, it is also noted that the customer service representatives, who were unqualified to handle inquiries and assist this borrower with XXXX, were well-versed in the technique of call deflection. Moreover, after several telephone encounters, one that was precisely a four-hour hold/wait time, with MOHELA and speaking with countless inexperienced customer service representatives and supervisors, who are supposed to be experts in the field, one would think at least one representative or supervisors would have advised this writer about consolidation so that ALL of this borrower 's student loans would be forgiven under the XXXX program. But it did not happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am the victim of identity theft and data breaches, including the widely publicized Equifax data breach and a breach involving XXXX, which compromised my Social Security number and personal information. As a direct result, my Equifax credit report contains multiple fraudulent and inaccurate accounts and inquiries that do not belong to me. 

Despite submitting prior disputes, Equifax has failed to correct these inaccuracies, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), which mandates that consumer reporting agencies block identity-theft-related information within four business days upon receiving a proper identity theft report. 

I have submitted : A formal FTC Identity Theft Report A detailed written dispute to Equifax A complaint with the Consumer Financial Protection Bureau ( CFPB ) The fraudulent accounts include several large student loan balances falsely attributed to me ( XXXX XXXX  accounts totaling over {$100000.00} ), a XXXX XXXX account, and various XXXX XXXX XXXX XXXX XXXX accounts. Numerous unauthorized hard inquiries also appear on my credit report without my consent. 

These unresolved entries are causing ongoing harm and financial distress. Equifaxs failure to act reflects the same violations cited in the CFPBs 2025 enforcement order against the company, including improper dispute handling, reinsertion of previously deleted items, and noncompliance with identity theft protections. 

I am requesting immediate removal of all fraudulent accounts and inquiries, a corrected credit report, and full compliance with FCRA requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: EQUIFAX, INC.
State: MI

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief