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

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX XXXX  that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXX ( mo ) XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) 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

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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing a late payment reported on my account that is inaccurate. I have consistently paid this account on time, and the report is not supported by any delinquency on my part. I request immediate correction and removal of this erroneous entry.

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

Complaint narrative:
XXXX XXXX XXXX, SS XXXX  XXXX, XXXX : XXXX. This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the Equifax credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of inaccurate addresses and phone numbers in XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of inaccurate addresses and inaccurate phone numbers. The correct address that should be reporting on my credit is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX. The correct phone number is XXXX. I do not recognize the aforementioned addresses or phone numbers as reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are XXXX and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I XXXX pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading 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
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Filing this FTC Identity Theft Affidavit to report XXXX separate fraudulent accounts appearing my consumer XXXX credit report which I do not recognize as reported and which are the sult of identity theft and fraud. These fraudulent accounts consist of XXXX XXXX XXXX - Date opened XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX  - Date Open XXXX XXXX XXXX Balance XXXX $ XXXX XXXX - Date Open XX/XX/XXXX Balance XXXX $ XXXX XXXX XXXX - Date Open XX/XX/XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX  - Date Open XX/XX/XXXX Balance XXXX $ XXXX XXXX  XXXX XXXX Open XX/XX/XXXX Balance 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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was never notified of the XXXX  account reported, nor did I ever receive any communication about this debt before it appeared on my credit report. I did not open or authorize the original account, and I suspect fraudulent activity. 
.

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 2025-06-06 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:
I disputed this account before and there are still inaccuracies and incomplete information on my credit report. I am requesting the description of procedures and they have 15 days to provide it to me or they have to delete the inaccurate accounts i am disputing. Attached is the letter requesting the description of procedures

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 2025-06-06 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:
I disputed this account before and there are still inaccuracies and incomplete information on my credit report. I am requesting the description of procedures and they have 15 days to provide it to me or they have to delete the inaccurate accounts i am disputing. Attached is the letter requesting the description of procedures

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 2025-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: DISCOVER BANK
State: MI

Complaint narrative:
I am a XXXX citizen currently living abroad as a permanent resident of XXXX. I have not lived in Michigan since XXXX but my former mailing address remains at a relatives home there. In XX/XX/year>, XXXX XXXX XXXX attempted to serve me with legal papers at that Michigan address. I called them directly and explained that I do not reside there and requested all future contact be directed to my email. Despite this, they have continued to attempt service at that location during each of my brief visits to the XXXX including attempts timed immediately before or after my departure suggesting they XXXX be tracking my travel. 

These repeated service attempts at a location I clearly identified as not my residence appear to be an effort to improperly establish jurisdiction in a state where I do not live, work, or do business. I believe they are attempting to force legal action in Michigan to obtain a judgment through misleading service, which I intend to challenge. 

I have also expressed that their contact with relatives at this address is unwanted and inappropriate. The debt in question ( a Discover account ) was not opened in Michigan, and I have no ties to the state other than it being a former mailing address. I believe these actions XXXX violate the Fair Debt Collection Practices Act ( XXXX XXXX, specifically regarding jurisdiction, XXXX XXXX and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: OR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR, XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Subject : Formal Request for Debt Validation ( Per XXXX  XXXX ) To Whom It XXXX Concern, I am sending this letter in response to a notice I received regarding an alleged debt with account number [ Account Number ]. Under the Fair Debt Collection Practices Act ( XXXX XXXX XXXX, I formally request validation of this debt before I take any further action. 

As required by federal law, please provide the following information : Proof that I am legally responsible for this debt A copy of the original XXXX  agreement with my XXXX A full accounting of how the balance was calculated Proof that you are legally authorized to collect this debt The original creditors name and contact information Until this information is provided, you must cease all collection efforts, including reporting this debt to credit bureaus or attempting to collect payment. Failure to comply with this request will result in me filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. 

I expect a written response within XXXX  days of receipt of this letter. If you can not validate this debt, you are required by law to remove it from my credit report and stop all collection activity. 

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 monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: SC

Complaint narrative:
I have and account with Chime. Today XX/XX/year>, they closed my accounts without reason. I had {$110.00} in XXXX XXXX {$1400.00} in XXXX and {$11000.00} in XXXX I called them XXXX. They said they closed them due to suspicious deposits. I only get direct deposits from my job. I also had my tax return deposited in there this year. I asked to speak to a XXXX XXXX or team lead and they said XXXX was not available each time. They said they could not return my money and that it would be returned back to the state of SC, or the originator. I told them I dont know what that mean and that I have XXXX kids and they took all my money and will not give it back. I told them that it was against the law to not give me my money back. And she/he said they were disconnecting the call because they could not give me any more information on the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Good day, I'm Sending this complaint, regrading to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I 'am thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to remove the listed items in ID Theft report within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$790.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$130.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$110.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$75.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$140.00XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX 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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reports to my credit report. These remarks have been XXXX  to my life and credit XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-06-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Mercedes Benz Financial Services
State: FL

Complaint narrative:
Reviewing my consumer reports, i discovered some instances of late payments an account for which i have always maintained on time .Agencies play crucial role in accurately reporting consumer information.it is impearative .i have never missed an payment Account Number XXXX with mercedes benz financial services .

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am writing to formally dispute inaccurate and potentially outdated information listed on my credit report. I recently obtained a copy of my TransUnion credit report, and I noticed that the following item appears to be incorrect or requires clarification. 
Reported Remarks : Payment after XXXX XXXX  and Settled - less than full balance Date Closed : XX/XX/year> Date Reported : XX/XX/year> Current Balance : {$0.00} I believe the reporting of this account is inaccurate and/or misleading. It is currently marked with XXXX  remarks despite showing a {$0.00} balance and a " XXXX '' account condition. The notations " XXXX XXXX XXXX XXXX XXXX XXXX  '' and " Payment after XXXX XXXX '' are unclear and XXXX unjustly impact my creditworthiness.

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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX writing personally to dispute several closed accounts on my credit report that contain errors or can not be verified. 

Under the Fair Credit Reporting Act ( XXXX and XXXX ( b ) ), if these accounts can not be verified with original documents, they must be deleted not just marked disputed. If theres no permissible purpose for reporting them, that also violates XXXX. 

Please conduct a proper reinvestigation and delete any unverifiable items. I request an updated report once the review is complete.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
On XX/XX/year>, I discovered another XXXX  card was opened with my name and account information without my consent. This is a fraudulent case, and I recently dealt with XXXX in the past and resolved accordingly with CFPB. However, the perpetrator has not been found as another card under XXXX XXXX was opened XXXX XX/XX/year>, despite not receiving a call or email about the card opening or the purchase either. My suspicions about another fraudulent account being opened allowed me to catch this earlier however XXXX to my credit has been done again. The balance is currently {$7800.00} out of {$8000.00} and I disputed it with XXXX. Another update was made on XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I contacted Equifax Credit Bureau to remove an unauthorized inquiry on my report dated XX/XX/year> XXXX XXXX XXXX XXXX XXXX I dont have an XXXX XXXX XXXX XXXX  and or never had an account with that company.They told me I had to submit a written request with copies of my drivers license, social security card which they already have that information on file. They refused to verify or remove the XXXX XXXX inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX : {$1400.00}

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