vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$210.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$600.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$32.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$130.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$91.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3100.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$610.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX 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 2025-07-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: MS

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-07-16 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: NJ

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Chime Financial Inc
State: NY

Complaint narrative:
Incorrect Late Payment Reporting by CHIME/XXXX XXXX XXXX What is the problem? 
I am formally disputing inaccurate and unverifiable information reported to the credit bureaus by CHIME/XXXX XXXX XXXX regarding a late payment. According to my current credit report : Furnisher Name : CHIME/XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reported Late Payment : [ Insert date of reported late payment ] Balance : {$0.00} Credit Usage : {$0.00} Last Payment Made : XX/XX/XXXX Account Status : Disputed by consumer This account is open with a {$0.00} balance and has no recent activity since XXXX. There is only XXXX reported late payment, and no verifiable documentation has ever been provided to substantiate it. I have already submitted a dispute, and the account is marked as such, but the derogatory mark remains.

According to the Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681s-2 ( b ) requires data furnishers to investigate and correct inaccurate information.

15 U.S. Code 1681i ( a ) ( 1 ) ( A ) mandates a reinvestigation within 30 days when a consumer disputes accuracy.

1681i ( a ) ( 5 ) ( A ) says that if the information can not be verified, it must be deleted from the report. 
This negative mark is damaging my credit profile and does not reflect an accurate or provable late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TransferWise Ltd
State: GA

Complaint narrative:
So, for my direct deposit with the company I work for, XXXX XXXX, a portion of my check goes towards a payment advance {$120.00}. When I do not take the advance they send it to my bank account on file. I use the online bank, WISE ( formerly Transfer wise ) for my travels and sending money to my bf or friends abroad. In 3 months I will be in XXXX XXXX. So I sent the deposit there to just help save the money in a place I don't touch. Wise sent me an email requesting additional information, which is fine, compliance. I get it. What I did not get is they were demanding company information for the payment advance company that is information that only a member of this company would be able to provide and they will not just provide this information to a client. When I told Wise this, they said my account would be closed, quoted law stating they have the right to withhold my deposit. I responded once again telling them I can not access sensitive company information as a client, told them to reverse the funds and close my account. They continue to double down, refusing to reverse the deposit and closing my account. I called them, explained the situation, and even the agent agreed it is weird that they're doing it but it is the XXXX department and he would speak to them and follow up. I hang up and moment later get an email doubling down again and I'm at my wits end. At this point I just want them to reverse my deposit. It's {$120.00} and I can take that to my main account with my job and keep it there. I regret ever trying to even separate it. I was trying to be smart about my future trip but now I wish I hadn't. This is a nightmare. I just need my deposit back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: IN

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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:
A fair resolution would be : The permanent deletion of the late payment entry reported by XXXX Account # XXXX, since the creditor failed to provide any advance notice or delinquency notification before reporting the missed payment. 

Written confirmation from Experian that the disputed late mark was reinvestigated and removed due to lack of verification from the furnisher. 

An updated copy of my credit report reflecting the removal of this inaccurate late payment. 

This correction is warranted under FCRA 1681e ( b ), 1681s-2 ( a ) ( 1 ) ( A ), and 1681i ( a ), all of which require accurate, complete, and verifiable information to be reported. Im simply requesting compliance with federal law and fair treatment as a consumer.

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
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 : [ DEPTEDXXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX  ] Account Number : [ XXXX ] Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX  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 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

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 explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX  XXXX XXXX XXXX- I was never late on this account, please remove late payment history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: FL

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am attaching a copy of my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER : ( XXXX ) as evidence of my claim. 
According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as a result of such theft within four ( 4 ) business days.

The following information on my credit report is the result of identity theft and must be blocked : NAME / ACCOUNT NUMBER - XXXX XXXX XXXX - XXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately blocked from my credit report. This block should remain in effect for a period of one year, after which I may request an extension. During this time, no information may be reported.

I have contacted EXPERIAN multiple times to report these accounts, but I have not received a clear or definitive resolution to help me resolve this situation. This situation is severely affecting me as I am trying to purchase a new home for my children and obtain financial tools to support my economic growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm.

These accounts have already been removed and were not verified by other credit agencies, so I do not understand why this agency continues to assert that these accounts belong to me.

I have requested copies of the contracts related to these accounts from the reporting company, and after more than 60 days, I have not received any response. I respectfully request your assistance in removing these accounts 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 2025-07-16 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: VA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: GA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional XXXX. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

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 2025-07-16 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: MS

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: 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 XXXX. 

Moreover, I was affected by the XXXX, Experian, and XXXX  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 2025-07-16 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: TRUIST FINANCIAL CORPORATION
State: KY

Complaint narrative:
XXXX XXXX XXXX was paid for a trip to XXXX on XX/XX/XXXX for a trip for XX/XX/XXXX to XX/XX/XXXX for the XXXX XXXX XXXX when I called the resort regarding my reservation they had no booking information for my name or information regarding me paying in full. I contracted the company the website had been removed and shutdown and not communication an email sent out saying trip was canceled due to death but no money will be refunded.

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Zions Debt Holdings
State: TX

Complaint narrative:
Zions Debt Holdings is attempting to collect a debt that I do not recognize and have not received any proof of. On XX/XX/year>2025, they claimed they had purchased my XXXX XXXX account and demanded payment of {$700.00}. However, they failed to provide any documentation showing legal ownership of the debt such as a bill of sale, assignment agreement, or itemized statements from XXXX XXXX. They also offered to delete the tradeline from my credit report only if I paid the balance, which is an unlawful and coercive practice. 

I believe this company may be using or has accessed my personal information including my name, address, account information, and possibly more without lawful authorization or consent, which raises serious identity theft concerns. I never gave Zions Debt Holdings permission to use or possess my data, and I was never notified by XXXX XXXX of any debt transfer. Their actions appear to involve the fraudulent use of my personally identifiable information ( PII ), which may constitute a violation of : The Fair Debt Collection Practices Act ( FDCPA ) The Fair Credit Reporting Act ( FCRA ) The Gramm-Leach-Bliley Act ( GLBA ) Texas Business & Commerce Code 521.052 Texas Penal Code 32.51 Fraudulent Use or Possession of Identifying Information To this day, Zions has refused to provide any evidence that this debt is valid or that they are authorized to collect it. I did not authorize this reporting, I do not believe this account is valid, and I consider their actions a serious misuse of my identity and financial data.

I am formally disputing the account and requesting : An immediate investigation into whether this company obtained or used my information without consent ; Removal of this account from all credit bureaus ; And full documentation of how and when Zions claims to have acquired my alleged account.

If no such proof exists, I consider this an identity theft incident and a serious legal violation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: GA

Complaint narrative:
Dear Transunion, My name is XXXX XXXX and I'm Begging for your help, I'm NOT A COMPANY! 
To get things moving, you should have more than enough time to remove these inaccurate accounts from my credit, stop ignoring my disputes I need real help!! I request to remove any/all inaccurate information from my credit report as quickly as possible. The items in question are : XXXX XXXX ( XXXX XXXX XXXX ) Acct # : XXXX XXXX XXXX XXXX XXXX  Balance : {$2900.00} Violations : FCRA 611 Failure to verify derogatory collection reporting FCRA 609 No original contract, debt history, or assignment FDCPA 809 No validation sent prior to reporting XXXX XXXX XXXX ( XXXX XXXX XXXX ) Acct # : XXXXXXXX XXXX XXXX Balance : {$350.00} Violations : FCRA 611 Continued collection reporting without dispute resolution FCRA 609 No proof of original creditor agreement FDCPA 809 No debt validation provided before placement XXXX / XXXX XXXX Acct # : XXXX XXXX XXXX  Balance : {$1200.00} Violations : FCRA 611 No reinvestigation despite dispute FCRA 609 Lacks legal verification FDCPA 809 Unvalidated collection debt XXXX XXXX / XXXX Acct # : XXXXXXXX XXXX XXXX Balance : {$220.00} Violations : FCRA 611 Reporting unresolved debt without investigation FCRA 609 No evidence of valid obligation FDCPA 809 Debt never validated before 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 non-monetary relief