vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 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: TX

Complaint narrative:
Inconsistent Date of Last Activity - TransUnion : XX/XX/XXXX Experian : XX/XX/XXXX - Equifax : XX/XX/XXXX Contradictory Date of Last Payment - TransUnion & Experian : XX/XX/XXXX - Equifax : XX/XX/XXXX Inconsistent Payment Status - TransUnion : Charged off as bad debt - Experian : Charge-off - Equifax : Charge-off, CHARGED OFF ACCOUNT FIXED RATE Different Last Reported Dates - TransUnion & Experian : XX/XX/XXXX - Equifax : XX/XX/XXXX Inconsistent High Credit and Credit Limit - TransUnion & Equifax : High Credit is {$10000.00} - Experian : No high credit listed at all - Credit Limit : {$0.00} on TransUnion, no data for Experian or Equifax Redundant or Damaging Comments- TransUnion : Profit and loss writeoff - Equifax : CHARGED OFF ACCOUNT FIXED RATE Potential FCRA Violation : Re-aging of Debt The Date of Last Activity being in XXXX for a payment that happened in XXXX ( or XXXX on Equifax ) could imply re-aging the account to keep it on your report longer a serious violation of the FCRA. 

This account was CHARGED OFF on the following date ( XX/XX/XXXX ). Since then, the account has repeatedly been updated as CHARGED OFF every month. This is an update in the payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate the account properly, and your neglect has violated my rights.

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 2025-08-11 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: VA

Complaint narrative:
Transunion is listing a positive account under " Accounts with Adverse Information :. My Chime account is reporting properly on my Transunion Credit Report. No lates, all current, paid off, never late, closed. Although everything is positive, this XXXX account is listed under Accounts with Adverse 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 non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My account student loan has been in a voluntary forbearance. XXXXXXXX XXXX  has rerreneously reported late payments on my student loan to the XXXX credit bureaus for XXXX XX/XX/year> 120 days late & XX/XX/year> 90 days late. With prior months reflecting on time. I have disputed with no luck. I have called XXXXXXXX XXXX  and the reps say they don't know how to fix it because it is not reflecting as late on their end. I have attached all backup documentation.

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 2025-08-11 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: SC

Complaint narrative:
I disputed inaccurate information that XXXX XXXX is furnishing to the credit bureaus, specifically Experian. XXXX XXXX has been reporting that my account is past due, which is false. 

I provided Experian with the following evidence : A XXXX XXXX letter dated XX/XX/year>, confirming my loans are current. 

Payment records, including proof of my XXXX, XXXX, and XXXX payment of {$170.00}. 

A written confirmation from a XXXX XXXX representative ( attached ) stating that I successfully made my XXXX, XXXX, and XXXX payments, and that my account was re-aged, bringing it completely current and resolving any past-due payments. 


Despite this, XXXX XXXX has continued to report late payments to Experian. Experian refused to correct the record because XXXX XXXX verified the inaccurate information. 

This violates the Fair Credit Reporting Act ( FCRA ), as XXXX XXXX is required to report accurate and complete information. I am requesting that XXXX XXXX immediately correct my credit report with all credit bureaus to reflect the true payment history and remove the inaccurate late payment notations.

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 2025-08-11 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: Chime Financial Inc
State: WA

Complaint narrative:
XXXX  emailed me notifying me that an account at ChimeXXXX XXXX XXXX  was opened in my name on XX/XX/year>. I did not open this account. Upon receiving this information I contacted Chime to report the fraud and close the account ( the account is closed ) but Chime refused to report the activity as fraud. Next, I contacted XXXX  to request that the account be reported as fraud and removed from my account. Despite me providing a police report, my credit being frozen when the account was open, there being an active fraud alert when the account was opened, and having another account removed from report due to fraud in XX/XX/year>, XXXX  declined to remove the account from my credit report stating there wasn't enough evidence to suggest this account was fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diverse Funding Associates LLC
State: GA

Complaint narrative:
In XX/XX/year>, I made multiple documented good-faith attempts to pay my XXXX account # XXXX via their secure online portal, which is the payment method they instructed me to use. Each attempt failed due to an account not found error. I reported this problem to XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year>, and provided screenshots of the error. 

XXXX acknowledged the problem but never resolved the portal issue. I informed them that I only make payments through secure online methods for security reasons. Under the Fair Credit Reporting Act ( FCRA ), I can not be compelled to use an insecure or less secure payment method when the creditors own system is malfunctioning. Despite this, they insisted I pay by phone or mail, which I did not agree to for security reasons. 

As a result of XXXX system failure, my account became past due, late fees were assessed, and inaccurate negative information was reported to the credit bureaus. XXXX then sold my account to a collection agency, further harming my credit. 

When I contacted the collection agency to discuss payment arrangements, I spoke with a representative named XXXX ( ID # XXXX ). XXXX interrupted me several times, used an unprofessional and condescending tone, and insisted that just because I didnt feel comfortable paying over the phone doesnt mean XXXX cant pay. This dismissive attitude ignored the documented fact that my original attempts to pay were blocked by XXXX technical error. 

This situation has caused financial harm and reputational damage. The delinquency and collection activity stem entirely from the creditors failure to provide a functional and secure payment option, combined with an unprofessional and obstructive debt collection experience. 

Supporting documentation, including email correspondence with XXXX and details of my interaction with XXXX, is attached.

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 2025-08-11 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-11 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXX XXXX XXXX XXXX Balance : {$600.00}, XXXX, XXXX XXXX Balance : {$340.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
Unbeknownst to me, my ( XXXX  ) deceased ( XXXX ) mother took out several student loans in both mine and both of my grandmothers ( XXXX is still living but the other passed in XXXX ) names. On multiple occasions, I have provided to Navient police reports, signature comparisons, and the relevant information regarding these XXXX known thefts of my identity to Navient. I believe there may be more but Navient will not provide any of the documentation for these loans. Within just one response, they indicated that this was my responsibility. 

I asked for but never received the original promissory notes with signatures but Navient did not provide them. 

My mother used mine and my grandmothers names, social security numbers, and forged our signatures on the documents. Upon Navient 's request, I filed the appropriate police reports, gathered and sent all requested information with relevant documentation, and was rejected. 

I never had possession nor used these loans for school, therefore I should not be responsible for repayment of my stolen identity from over XXXX years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: PA

Complaint narrative:
Re : Formal Dispute Removal of Multiple Inaccurate Late Payments Bridgecrest Account No. XXXX To Whom It May Concern, I am formally disputing the accuracy of multiple late payments reported for my Bridgecrest account ending in XXXX. The following late payment entries are inaccurate and must be removed : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These entries violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) for the following reasons : 1. Violation of 15 U.S.C. 1681, Section 602 Right to Privacy Section 602 of the FCRA establishes that consumers have a right to privacy regarding the information in their credit files. Inaccurate or unverifiable late payment records infringe upon this right by harming my creditworthiness and reputation.

2. Violation of 15 U.S.C. 1681, Section 604 ( a ) ( 2 ) Under Section 604 ( a ) ( 2 ), a consumer reporting agency may not furnish information in a consumer report without the written instructions of the consumer. I have never authorized the furnishing of false or inaccurate late payment information. 
3. Violation of 15 U.S.C. 1666b Timing of Payments ( Truth in Lending Act ) Section 1666b prohibits a creditor from treating a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the payment was received after the due date and in accordance with the creditors disclosed payment procedures. The above-referenced late payments do not meet these legal requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: PA

Complaint narrative:
Re : Formal Dispute Removal of Multiple Inaccurate Late Payments Bridgecrest Account No. XXXX To Whom It May Concern, I am formally disputing the accuracy of multiple late payments reported for my Bridgecrest account ending in XXXX. The following late payment entries are inaccurate and must be removed : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These entries violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) for the following reasons : 1. Violation of 15 U.S.C. 1681, Section 602 Right to Privacy Section 602 of the FCRA establishes that consumers have a right to privacy regarding the information in their credit files. Inaccurate or unverifiable late payment records infringe upon this right by harming my creditworthiness and reputation.

2. Violation of 15 U.S.C. 1681, Section 604 ( a ) ( 2 ) Under Section 604 ( a ) ( 2 ), a consumer reporting agency may not furnish information in a consumer report without the written instructions of the consumer. I have never authorized the furnishing of false or inaccurate late payment information. 
3. Violation of 15 U.S.C. 1666b Timing of Payments ( Truth in Lending Act ) Section 1666b prohibits a creditor from treating a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the payment was received after the due date and in accordance with the creditors disclosed payment procedures. The above-referenced late payments do not meet these legal requirements.

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 2025-08-11 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: NY

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights 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 2025-08-11 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: FL

Complaint narrative:
I am writing to inform you that I am a victim of identity theft. I have reported the incident to the Federal Trade Commission ( FTC ) and filed a formal complaint, which I have attached for your reference XXXX. My credit report contains accounts and hard inquiries that I did not authorize and that do not belong to me. 


List of UNAUTHORIZED INQUIRIES and FRAUDULENT ACCOUNTS : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Previous Address ( es ) : XXXX XXXXXXXX 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 2025-08-11 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: FL

Complaint narrative:
I am writing to inform you that I am a victim of identity theft. I have reported the incident to the Federal Trade Commission ( FTC ) and filed a formal complaint, which I have attached for your reference XXXX. My credit report contains accounts and hard inquiries that I did not authorize and that do not belong to me. 


List of UNAUTHORIZED INQUIRIES and FRAUDULENT ACCOUNTS : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Previous Address ( es ) : XXXX XXXXXXXX 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