vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-24 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: MD

Complaint narrative:
I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 15 USC 1681b ( a ) ( 2 ), which governs the permissible purpose of furnishing consumer reports.

The FCRA explicitly states : " A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I DID NOT provide any written authorization or written instructions to the CRAs to report or share my consumer report information. Despite this, my information has been disclosed, which constitutes a clear violation of the law. 

Equifax, Experian and Transunion have violated my consumer rights. I am attempting to settle this inaccurate matter privately, NOW. I received a copy of my credit report and noticed account ( s ) that needs to be immediately DELETED. It is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 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: AR

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: FL

Complaint narrative:
There was a restriction put on my chime account due to fraudulent activities even though I authorized everything. It was lifted 48 hours later than 10 minutes later the restriction was put back on The next day I got an email saying that time closed out my account without my authorization and I got 15 different answers on what's happening with my phones in my account. They won't disclose any information you know on the account holder won't tell me where my money is where it's going or what's happening tried talking it supervisors and all I get is that my phones are non-refundable when I was told they were going to be sent back to my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: TX

Complaint narrative:
EQUIFAX and EXPERIAN and Trans union have data breaches. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, these bureaus are legally required to conduct a " reasonable reinvestigation '' of any item you dispute. If they can not verify the information within 30 days, they must delete it. 
RE : FORMAL DISPUTE OF INACCURATE DATA NOTICE OF PENDING LITIGATION To the Dispute Department, I am writing to formally dispute the following inaccurate information on my credit report. I am aware of the recent legal actions taken by the CFPB against your agency regarding " sham investigations '' and failure to follow the Fair Credit Reporting Act ( FCRA ). I expect full compliance with federal law regarding my file. 
Under 15 U.S.C. 1681i ( a ), you are required to conduct a prompt and thorough reinvestigation of the items listed below. If these items can not be verified with documented evidence from the furnisher within 30 days, they must be permanently deleted from my file per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). 
The following items are inaccurate and must be removed. ALL NEGATIVE ITEMS ON MY CREDIT PROFILE. 
Furthermore, I am exercising my rights under 15 U.S.C. 1681i ( a ) ( 2 ), which requires you to notify the furnisher of this dispute within XXXX business days and provide them with all relevant evidence. Please be advised that " automated verification '' through the XXXX system without reviewing my specific documentation does not constitute a " reasonable investigation '' under the law. 
Failure to remove these unverified or inaccurate items puts you in " willful noncompliance '' under 15 U.S.C. 1681n, which XXXX subject your agency to statutory and punitive damages, as well as legal fees in a court of law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
I am filing a complaint regarding improper credit reporting by Credit Acceptance Corporation. 

My credit report shows that this account was closed on XX/XX/year> due to repossession. A repossession is a one-time event. However, Credit Acceptance continues to report monthly delinquency statuses, XXXX  remarks, and past-due balances after the account was closed, despite the scheduled payment being {$0.00}. 

This constitutes improper re-aging and ongoing inaccurate reporting under the Fair Credit Reporting Act. The continued monthly reporting falsely represents the account as newly delinquent each month and is causing ongoing damage to my credit profile. 

I am requesting that Credit Acceptance : Correct the reporting to reflect a single repossession event Cease ongoing monthly negative reporting Update the account to a finalized, accurate status Supporting documentation is attached showing the account closed date and continued monthly XXXX 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 2025-12-24 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:
I am sending this complaint today because the story reflected in my credit file does not accurately portray the reality of my financial history. Every account I have opened, every payment I have made, and every agreement I have honored has been part of a long journey toward financial stability and responsibility. Yet, several entries on my report currently present a version of events that is incomplete, inconsistent, and not aligned with how these accounts were actually managed. I am requesting corrections so that my report reflects the truth : these accounts were handled as agreed. As I reviewed my file, I noticed several accounts that do not reflect the accurate history of how they were handled. I would like to explain each one in detail, as each account represents a chapter in my financial life. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} Date Opened:XXXX Date of Last Activity:XXXX Late 30 days XXXX XXXX not reported in XXXX and TU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} - Tied up to open account XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$28000.00} - Tied up to open account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : $ XXXXTied up to open account My request is grounded in my rights under federal law, including CRA 611 ( 15 U.S.C . 1681i ), which requires a reasonable reinvestigation of disputed information ; FCRA 623 ( a ) ( 2 ), which requires furnishers to correct and update inaccurate or incomplete information ; FCRA 623 ( b ), which requires furnishers to investigate disputed information ; and the billing accuracy protections under 15 U.S. Code 1666 and 1666a, which ensure that consumers are not misrepresented by errors or unverified adverse reporting. These laws exist to protect the accuracy of the story told by a credit report, and I am invoking them now to ensure that my financial narrative is presented truthfully. These accounts are not just numbers on a report ; they represent years of effort, discipline, and commitment to financial responsibility. When the information reported about them is inaccurate, it distorts the story of my financial life. I am asking for anything to be corrected only the information be so that it reflects the truth.

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 2025-12-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Commerce Home Mortgage, Inc
State: AR

Complaint narrative:
Deceptive practices, mortgage loan originators ' misconduct, and falsification of federal documents. 

During the sale of my property located in XXXX XXXX, TX XXXX, I was subjected to deceptive and fraudulent lending practices by the Buyers mortgage provider, Change Home Mortgage XXXX. 

1. Misrepresentation of Federal Documents : On XX/XX/2024, the loan XXXX facilitated an FHA Amendatory Clause containing a fabricated and fraudulent FHA case number : XXXX. This document was presented to me for my signature as the Seller. I refused to sign a document containing clearly falsified federal information. 

2. Coercive and Deceptive Statements : On XX/XX/2024, the Loan Officer sent a written communication to the my ( Sellers ) Broker attempting to justify this fraud. He stated : " We send the other FHA clause to the selling party with the number XXXX in order to keep the FHA case number private for only us and our buyer. '' XXXX XXXX further claimed that FHA guidelines permit a lender to submit " fake '' numbers to a Seller for signature and then replace them with a valid number later. This statement is a gross misrepresentation of FHA policy and appears to be a tactic to deceive a consumer into signing a falsified federal record. 

3. Procurement of Backdated Documentation : Following my refusal, a second document was provided with a different number FHA case number ( XXXX ). This document was backdated to XX/XX/2024, for the buyers signature and XX/XX/2024, for the buyers realtors signature despite being generated and presented on XX/XX/2024. This demonstrates a systemic pattern of document manipulation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: FL

Complaint narrative:
Good day, I am writing to follow up on my previous letter where I requested the three credit bureaus to remove the remaining fraudulent items from my credit report. I am sending this letter to ensure that Experian, Equifax, and TransUnion credit bureaus will indeed remove the items listed below. Additionally, I would like to express my gratitude for removing some of the fraudulent items from my credit report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$1400.00} XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$260.00} XXXX ( Original Creditor : XXXX XXXX BANK ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$820.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX  ) XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$590.00} XXXX CARD XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>

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 2025-12-24 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: NY

Complaint narrative:
I am filing this complaint because multiple collection accounts are being inaccurately and unlawfully reported on my TransUnion, Experian, and Equifax credit reports as a result of identity theft and unauthorized use of my personal information. I did not open, authorize, or incur the debts being reported, and I never gave consent to any collection agency or original creditor to use my identifying information. 

The fraudulent collection accounts include XXXX XXXX XXXX account number XXXX with a reported balance of {$89.00}, XXXX XXXX XXXX account number XXXX with a reported balance of {$1300.00} originally attributed to XXXX, and XXXX  account number XXXX associated with XXXX XXXX with a reported balance of {$89.00}. These accounts are not mine and do not reflect any legitimate obligation I owe. 

Between XXXX and XXXX, my personal data was exposed in multiple known data breaches involving financial and telecommunications entities. I believe my information was obtained and misused as a result of those breaches. The collection accounts listed above contain inconsistent balances, reporting dates, account statuses, and delinquency information across the XXXX credit bureaus, which further demonstrates that the data being furnished is unreliable and inaccurate. 

I have filed an FTC Identity Theft Report and am invoking my rights under the Fair Credit Reporting Act Sections 605B and 605C, FACTA Section 152, FCRA Section 611, and FCRA Section 623. Despite these protections, the collection accounts continue to be reported without proper investigation, verification, or certification of accuracy. Reporting and maintaining these accounts has caused ongoing financial harm, credit denial, and emotional distress.

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 2025-12-24 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: NY

Complaint narrative:
I am filing this complaint because multiple collection accounts are being inaccurately and unlawfully reported on my TransUnion, Experian, and Equifax credit reports as a result of identity theft and unauthorized use of my personal information. I did not open, authorize, or incur the debts being reported, and I never gave consent to any collection agency or original creditor to use my identifying information. 

The fraudulent collection accounts include XXXX XXXX XXXX account number XXXX with a reported balance of {$89.00}, XXXX XXXX XXXX account number XXXX with a reported balance of {$1300.00} originally attributed to XXXX, and XXXX  account number XXXX associated with XXXX XXXX with a reported balance of {$89.00}. These accounts are not mine and do not reflect any legitimate obligation I owe. 

Between XXXX and XXXX, my personal data was exposed in multiple known data breaches involving financial and telecommunications entities. I believe my information was obtained and misused as a result of those breaches. The collection accounts listed above contain inconsistent balances, reporting dates, account statuses, and delinquency information across the XXXX credit bureaus, which further demonstrates that the data being furnished is unreliable and inaccurate. 

I have filed an FTC Identity Theft Report and am invoking my rights under the Fair Credit Reporting Act Sections 605B and 605C, FACTA Section 152, FCRA Section 611, and FCRA Section 623. Despite these protections, the collection accounts continue to be reported without proper investigation, verification, or certification of accuracy. Reporting and maintaining these accounts has caused ongoing financial harm, credit denial, and emotional distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 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: WA

Complaint narrative:
This entry is not mine and the information shown is inaccurate.

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 2025-12-24 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: WA

Complaint narrative:
This entry is not mine and the information shown is inaccurate.

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 2025-12-24 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: NY

Complaint narrative:
The late payment entries currently appearing on my credit report are inaccurate and do not accurately reflect my true payment history. I have submitted multiple requests for investigation and correction of these discrepancies ; however, no meaningful or corrective action has been taken. Despite providing all requested documentation and following up in good faith, these errors remain unresolved. 

The continued reporting of inaccurate information has caused substantial financial harm and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a consumer credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information that is inaccurate, misleading, or can not be verified. Your failure to address these inaccuracies after repeated notice constitutes a violation of my rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 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: TX

Complaint narrative:
I am submitting this follow-up complaint regarding the continued inaccurate reporting of multiple Department of EducationXXXX accounts on my credit report following my prior dispute. Despite my earlier complaint, these accounts each bearing similar identifiers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), opened on either XX/XX/XXXX or XX/XX/XXXX, with balances ranging from {$1200.00} to {$4700.00} and a reported date of last activity of XX/XX/XXXX continue to reflect XXXX and XXXX late payment statuses that do not accurately reflect my payment history. After reviewing my records, I maintain that these accounts were managed responsibly and paid according to the agreed-upon terms, and the repeated reporting of severe delinquencies across multiple related accounts substantially misrepresents my creditworthiness and creates an unfair and misleading credit profile. This ongoing failure to correct inaccurate information violates my rights under the Fair Credit Reporting Act, including Section 611 ( 15 U.S.C. 1681i ), which requires a reasonable reinvestigation of disputed information, as well as FCRA 623 ( a ) ( 2 ) and 623 ( b ), which impose a duty on furnishers to ensure maximum possible accuracy and to correct or delete information found to be inaccurate or unverifiable. Furthermore, the continued reporting of disputed and inaccurate billing information while the dispute remains unresolved is inconsistent with the consumer protections outlined in 15 U.S.C. 1666 and 1666a. Because the furnisher has failed to properly investigate and correct these errors after notice, I am requesting CFPB assistance to ensure compliance with federal law and accurate 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