vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-30 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:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: FL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have reported this error twice already and its in the database for review. I went to my XXXX XXXX account this morning and found a big error in the list of cards that I actually own. Apparently I dont own a. XXXX XXXX XXXX card and XXXX  is not connected to them. This is where the {$31.00} balance is coming from too. XXXX  is owned by XXXX XXXX  and I only have the secured credit and debit card through them and not XXXX XXXX. XXXX  does not work with XXXX XXXX at all and they do not own them either. Below, I am sending a document to support my findings on my credit report.

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 2025-05-30 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: AZ

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: AP

Complaint narrative:
On XX/XX/year>, XXXX confirmed my student loans were placed into a 60-day administrative forbearance. Despite this, they reported a 90-day delinquency to the credit bureaus, which caused my credit score to drop by XXXX points. 

I am an XXXX XXXX XXXX XXXX XXXX member currently stationed overseas. I have never missed a payment before, during, or after the forbearance. I faxed a full dispute package to XXXX, including their forbearance notice and credit report screenshots. I also attempted to contact them by phone and email, but I have not received confirmation of correction or resolution. 

I am requesting that XXXX remove the inaccurate delinquency from all three credit bureaus and provide written confirmation that my credit report will be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: AP

Complaint narrative:
On XX/XX/year>, XXXX confirmed my student loans were placed into a 60-day administrative forbearance. Despite this, they reported a 90-day delinquency to the credit bureaus, which caused my credit score to drop by XXXX points. 

I am an XXXX XXXX XXXX XXXX XXXX member currently stationed overseas. I have never missed a payment before, during, or after the forbearance. I faxed a full dispute package to XXXX, including their forbearance notice and credit report screenshots. I also attempted to contact them by phone and email, but I have not received confirmation of correction or resolution. 

I am requesting that XXXX remove the inaccurate delinquency from all three credit bureaus and provide written confirmation that my credit report will be corrected.

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 2025-05-30 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: AP

Complaint narrative:
On XX/XX/year>, XXXX confirmed my student loans were placed into a 60-day administrative forbearance. Despite this, they reported a 90-day delinquency to the credit bureaus, which caused my credit score to drop by XXXX points. 

I am an XXXX XXXX XXXX XXXX XXXX member currently stationed overseas. I have never missed a payment before, during, or after the forbearance. I faxed a full dispute package to XXXX, including their forbearance notice and credit report screenshots. I also attempted to contact them by phone and email, but I have not received confirmation of correction or resolution. 

I am requesting that XXXX remove the inaccurate delinquency from all three credit bureaus and provide written confirmation that my credit report will be corrected.

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 2025-05-30 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:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Florida XXXX XXXX XXXX XX/XX/XXXX Acct # XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Correction of Credit Report Due to Missed Processing and XXXX Statute Dear Sir/Madam, I am writing to formally address a significant issue regarding my account with XXXX XXXX XXXX and its impact on my credit report. This letter serves as a formal request to correct the inaccuracies on my credit report due to your company 's failure to process a previously submitted request adequately. 

Account Number : In accordance with the Fair Credit Reporting Act, specifically referencing the 603B statute, I am entitled to dispute inaccurate information on my credit report. I believe that my current credit report reflects misleading information due to a series of processing errors by your institution. 

On XX/XX/XXXX under case number XXXX XXXX, XXXX, I submitted documentation to request a grace period and an extension on my payments due to the financial hardships caused by the COVID-19 pandemic. I have confirmation that these documents were received by your office ; however, they were never processed appropriately. Consequently, my account was not updated to reflect the agreed-upon grace period, leading to a report of late payments on my credit file. 

Moreover, during multiple attempts to contact your office for an update, I was unable to reach a representative as your offices were closed due to the pandemic. This lack of communication further exacerbated the situation, leaving me without any resolution. 

I kindly request the following actions be taken : 1. Immediate correction of my credit report to remove any late payment marks that resulted from the processing errors on your part.

2. A written confirmation from XXXX XXXX XXXX acknowledging the error and the steps taken to rectify it. 
XXXX. A review of my account to ensure that all terms agreed upon in my request for a grace period are honored. 

I trust you will address this matter with the urgency it deserves. Please respond within 30 days of receipt of this letter to confirm the actions taken to resolve this issue. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the corrections. 

Sincerely, 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 2025-05-30 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Florida XXXX XXXX XXXX XX/XX/XXXX Acct # XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Correction of Credit Report Due to Missed Processing and XXXX Statute Dear Sir/Madam, I am writing to formally address a significant issue regarding my account with XXXX XXXX XXXX and its impact on my credit report. This letter serves as a formal request to correct the inaccuracies on my credit report due to your company 's failure to process a previously submitted request adequately. 

Account Number : In accordance with the Fair Credit Reporting Act, specifically referencing the 603B statute, I am entitled to dispute inaccurate information on my credit report. I believe that my current credit report reflects misleading information due to a series of processing errors by your institution. 

On XX/XX/XXXX under case number XXXX XXXX, XXXX, I submitted documentation to request a grace period and an extension on my payments due to the financial hardships caused by the COVID-19 pandemic. I have confirmation that these documents were received by your office ; however, they were never processed appropriately. Consequently, my account was not updated to reflect the agreed-upon grace period, leading to a report of late payments on my credit file. 

Moreover, during multiple attempts to contact your office for an update, I was unable to reach a representative as your offices were closed due to the pandemic. This lack of communication further exacerbated the situation, leaving me without any resolution. 

I kindly request the following actions be taken : 1. Immediate correction of my credit report to remove any late payment marks that resulted from the processing errors on your part.

2. A written confirmation from XXXX XXXX XXXX acknowledging the error and the steps taken to rectify it. 
XXXX. A review of my account to ensure that all terms agreed upon in my request for a grace period are honored. 

I trust you will address this matter with the urgency it deserves. Please respond within 30 days of receipt of this letter to confirm the actions taken to resolve this issue. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the corrections. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-05-30 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: NJ

Complaint narrative:
This letter is a formal dispute regarding inaccurate late payment entries reported by XXXX XXXXXXXX XXXX on my credit report. These alleged delinquencies are unverifiable and invalid, and I am demanding their immediate deletion under federal law. 
According to 15 U.S. Code 1666b, payments must be applied promptly and accurately, and misapplied payments or improper reporting of delinquencies may constitute a violation of the Truth in Lending Act. Furthermore, under the Fair Credit Reporting Act ( FCRA ), you are legally required to investigate and verify the accuracy of any account information you furnish to the credit bureaus.

I hereby request the complete investigation and removal of all late payments associated with my XXXX XXXX account. If these entries can not be verified with full documentation ( not just automated data ), they must be deleted per the FCRAs accuracy and reinvestigation provisions ( 15 U.S.C. 1681i and 1681s-2 ).

Please complete your investigation within 30 days and provide written confirmation of your findings. If you fail to correct this reporting error, I am prepared to escalate the matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and pursue legal action if necessary.

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 2025-05-30 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: CA

Complaint narrative:
I am filing this complaint to notify you that I have been a victim of identity theft. As per FCRA Section 605B regarding Credit Reporting Agencies, I must report this to the Federal Trade Commission or visit FTC.gov to file an official report. I understand that you are required to investigate any items listed on an identity theft report. Attached are the relevant documents to support the investigation into the inaccurate information reported on my credit file, including a list of items that do not belong to me or were initiated without my consent. 
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 XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: FL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/year> we received in the mail a new debit card from Chase Bank under our company name XXXX XXXX and a user named " XXXX XXXX ''. Immediately we called the bank 's fraud department and reported to them that neither this person is known to us, nor we intended to open an account at their bank. They took our information and said they were going to contact us to process but nobody has done so. The bank account shown in the paperwork that we received is is displayed as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and debit card that we received # was XXXX. Why is the bank opening an account without verification of ownership? and why are they not prepared to take affirmative and effective action to this matter?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: NC

Complaint narrative:
I received a text from Chime Financial that someone was trying to use my card in Florida and asked if it was me, I responded NO. I got a call XXXX hour later stating they wanted to send us a temporary card and to transfer XXXX to a temporary account. They also moved XXXX from my savings account while I was on the phone with them without my permission and I would receive a text from them with the temporary card with my XXXX. I never received. They also called from a Chime phone number and Chime links. I was scammed and my money is gone. Chime is not returning my money even though I sent them every text and filed a police report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: GA

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-05-30 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: GA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
As a consumer who is adamant about my financial success and well being, I am infuriated that I have not been able to access my credit report for a year now. Absence of my credit information from your bureau is damaging to my credit and impacts my financial health negatively. I have tried to get to the bottom of this situation to no avail. I am unable to obtain loans and credit from my report being unavailable. This is a direct violation of the Fair Credit Reporting Act and I demand it to resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: AZ

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-05-30 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief