vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-27 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: AR

Complaint narrative:
I am submitting this complaint regarding the accounts listed below that are inaccurately reported on my credit reports. The following accounts are in dispute with each respective credit bureau : CHARGED OFF Account : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$660.00} Account : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8400.00} Account : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} INQUIRIES Account : 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 2025-11-27 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: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX : XX/XX/XXXX To : XXXXAttn : Credit Reporting Department Subject : Dispute of Illegal Charge-Off CARES Act Hardship Accommodation To Whom It May Concern, I am disputing the reporting of the following account : Creditor : Lexus Financial ServicesAccount Number : XXXX Status : Charge-OffReported Date : XX/XX/XXXX This reporting is factually inaccurate and violates the CARES Act because my account was under an official COVID-19 hardship accommodation during the time Lexus Financial reported the charge-off.

Under CARES Act Section 4021 ( FCRA 15 U.S.C. 1681s-2 ( a ) ( 2 ) ( F ) ), Lexus Financial was legally required to : report the account as current if it was current before the accommodation, and not report the account in a worse status during the accommodation.

Since Lexus Financial reported a charge-off, the reporting is illegal and can not be verified according to federal requirements.

I am requesting the immediate deletion of this charge-off because it is : inaccurate unverifiable in violation of federal law Please complete your investigation and provide me with the results in writing. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: MD

Complaint narrative:
I am writing to dispute several inaccuracies and discrepancies found on my credit report. The accounts listed below are being disputed for various reasons, including incomplete or inaccurate reporting, and I request that a thorough investigation be conducted. Please find the details of the accounts I am disputing, separated by each credit bureau. 

Charged Off Accounts : XXXX XXXX XXXX XXXX 
Account Number : XXXX Date Opened : XX/XX/year> Balance : {$0.00} Late Payments : 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 explanation
Consumer complaint received 2025-11-27 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:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: IL

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following information on my credit report. Please find below the details of the accounts in dispute. I request that these discrepancies be corrected as soon as possible. 

Charged Off : XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$590.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$810.00} Inquiries : XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX Late Payment : XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX 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 explanation
Consumer complaint received 2025-11-27 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since XXXX  never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) 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 explanation
Consumer complaint received 2025-11-27 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since XXXX  never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: MD

Complaint narrative:
I am writing to dispute the following items on my credit reports, which I believe are inaccurate and need to be corrected. Below is a summary of the accounts in dispute, organized by bureau : CHARGED OFF XXXX XXXX XXXX, XXXX, XX/XX/year>, {$390.00} LATE PAYMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: MA

Complaint narrative:
Could you review this entry? It XXXX be late and mistaken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: AR

Complaint narrative:
After I got off work at XXXX on Tuesday XX/XX/2025 I noticed there was a fraudulent transaction made from my checking account of {$200.00} and multiple attempts from the same vendor too authorize more transactions of {$100.00} plus dollars from my checking account using my debit card from chime. After noticing these transactions I called chime to file a dispute against a vendor called XXXX  but was informed I could not file a dispute while the transaction was pending. The next day the transaction was no longer pending so I called chime customer service to file my dispute and informed them I had not lost my debit card or my phone during this process which were questions they asked in the dispute process, after only a day after filing the dispute, Thursday XX/XX/2025, they informed me there was no error that occurred from my account. XXXX is a XXXX XXXX  company out of XXXX Tennessee, I live in XXXX XXXX, Arkansas. I asked to know how would a bank steal money from my account using my debit card and it not be fraudulent which they could not give me an answer, this is not the first time I've had problems with chime and money being stolen from my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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 submitted a formal written dispute to the credit reporting agency regarding inaccurate and/or unverifiable information appearing on my credit report. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit reporting agency is required to conduct a reasonable reinvestigation of the disputed items and provide the results within 30 days of receiving the dispute. 

It has been over 30 days since my dispute was received, yet the agency failed to provide the required reinvestigation results or any written notice explaining a delay. This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Additionally, I have reason to believe my nonpublic personal information was accessed, shared, or used without proper
authorization or disclosure, in violation of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802, which governs obligations with respect to the disclosure of personal information. I was not provided with a clear privacy notice, nor given the option to opt out of sharing my data with third parties. This further supports my claim that my consumer rights under federal law have been violated.

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 2025-11-27 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: CA

Complaint narrative:
This record does not accurately represent my financial behavior. Kindly update the information after review.

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 2025-11-27 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:
I am writing to dispute the accuracy of the following accounts listed on my credit reports. Please review these items for compliance with the Fair Credit Reporting Act ( FCRA ) and address the inaccuracies as outlined below : Charged-Off Accounts : DEPT OF EDUCATION/XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7800.00} DEPT OF EDUCATION/XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3200.00} DEPT OF EDUCATION/XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00} DEPT OF EDUCATION/XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4300.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$430.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$310.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$820.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$450.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$700.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX  XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX Late Payments : 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 explanation
Consumer complaint received 2025-11-27 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: MI

Complaint narrative:
I am disputing the following accounts and inquiries on my Experian credit report. I request a full investigation to verify the accuracy of the listed items. 

Charged-Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$240.00} Inquiries : XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  Account Number : XXXX 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 explanation
Consumer complaint received 2025-11-27 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: AL

Complaint narrative:
I am writing to dispute certain entries on my Equifax credit report. The information appears to be inaccurate and may be in violation of the Fair Credit Reporting Act ( FCRA ). Additionally, I am concerned that a data breach may have affected the accuracy of my personal data. Below is a list of the accounts I am disputing. 
Disputed Accounts on Equifax Report : XXXX. XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX Account Type : Collection - Installment Balance : {$5800.00} Account Status : Negative Violations : FCRA Violation : Incorrect reporting of balance, payment history, and delinquency status. 
XXXX XXXX : Possible exposure of personal information, affecting account accuracy. 
XXXX. XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX Account Type : Collection - Installment Balance : {$320.00} Account Status : Negative Violations : FCRA Violation : Incorrect payment history and balance. 
XXXX XXXX : Possible exposure of personal information, affecting account accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
When reviewing my credit report, I discovered several XXXX  inquiries that I never authorized. 
These inquiries do not correspond to any applications or credit requests that I made, and I believe they may have resulted from identity theft or misuse of my personal information.

To protect myself and follow the proper legal process, I filed an FTC Report ( Case XXXX. XXXX ) documenting the unauthorized activity. 
Under the Fair Credit Reporting Act ( FCRA ), once a valid identity-theft report is submitted, the credit bureau is legally required to block and delete any unauthorized information within XXXX ( XXXX ) business days. 
This requirement is clearly established under FCRA Section 605B ( 15 U.S.C. 1681c-2 ). 
Despite providing my police report and full documentation, the unauthorized hard inquiries remain on my credit file. 
Each inquiry represents access to my private credit data without permissible purpose, violating FCRA Section 604 ( 15 U.S.C. 1681b ). 
The continued appearance of these inquiries has harmed my XXXX XXXX and raised concerns about the security of my personal information. 
It is unfair that I should suffer damage to my creditworthiness due to inquiries that I never authorized or initiated. 
I have acted responsibly by filing a police report, gathering proof, and contacting the bureau directly. 
However, no correction has been made, and I am now seeking the CFPBs intervention to ensure compliance with federal law and restoration of my consumer 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 2025-11-27 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:
I am writing to dispute several inaccuracies and discrepancies found on my credit report. The accounts listed below are being disputed for various reasons, including incomplete or inaccurate reporting, and I request that a thorough investigation be conducted. Please find the details of the accounts I am disputing, separated by each credit bureau. 

Charged Off Accounts : XXXX XXXX XXXX XXXX 
Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4700.00} XXXX XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} Inquiries : XXXX XXXXXXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX Late Payments : XXXX Account Number : XXXX XXXX  XXXX  Account Number : XXXXXXXX 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 explanation
Consumer complaint received 2025-11-27 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: AZ

Complaint narrative:
I am submitting this dispute regarding the following charged-off accounts and inquiries on my TransUnion credit report. I believe the information may be inaccurate and request an investigation into these items. 

Charged-Off Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6800.00}

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 explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
In XXXX of XXXX  I noticed that nearly XXXX had been fraudulently charged on my Bank of America credit card. All of the transactions were through XXXX. I immediately reported this and filed a claim. BOA initially credited me the majority of the fraud, but came back in XXXX and stated they had denied the claim and were going to remove the credit they initially provided. I reopened the claim, spent hours with my husband cross referencing the fraudulent XXXX charges with the charges on my XXXX account and none of them matched. They denied my claim once again come XXXX. I reopened it again, and they denied it once again. I am very disappointed and frustrated, as this balance is accruing a lot of interest and it is all fraudulent, unauthorized charges. I was sent a document with more details on some transactions and the billing address used was not my address, therefore the purchases should have never been authorized. This situation has been mentally draining and has caused a lot of financial strain. I never expected such a well respected and well known company to handle this situation so poorly.

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 2025-11-27 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: NY

Complaint narrative:
I am filing this complaint to address inaccurate reporting on my Experian credit file. Several accounts listed as charged off or delinquent contain inconsistencies, unverifiable information, or outdated derogatory data. 

Accounts Reported as Charged Off ( In Dispute ) : 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 Reported charge-off XX/XX/XXXX. This account appears to be a collection or debt buyer account, and I have not received any notice of assignment or validation of the debt. 

XXXX ( Account # XXXX ) Reported charge-off XX/XX/XXXX, showing {$0.00} balance but still listed as derogatory. 

Unauthorized or Questionable Inquiries : XXXX XXXX inquiries on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
I did not authorize or initiate these inquiries, and they appear to have been made without my consent. I request their removal under FCRA 604 ( a ). 

Late Payment Reporting ( In Dispute ) : XXXXXXXX XXXX ( Account # XXXX ) XXXX XXXX ( Account # XXXX ) XXXX ( Account # XXXX ) These late payment entries are inaccurate and unverifiable. Please reinvestigate and provide proof from the original creditors or delete these entries if verification can not be obtained.

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