vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 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: PA

Complaint narrative:
My payment history has been flawless, so this late payment must be an error. Please resolve it quickly.

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 2025-07-16 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: FL

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: GA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: IL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-07-16 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: VA

Complaint narrative:
I have previously disputed Experian, Equifax and XXXX  regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: CT

Complaint narrative:
On XX/XX/XXXX, I and my wife found a rental unit and checked the websites for listing. Found a house for rent on XXXX. Contacted the person with the listing. Started with XXXX XXXX contacting us on XX/XX/2025. Have XXXX  days of messaging and paid her on Chime app a total of XXXX USD for XXXX   chime tag requests. I have extreme XXXX XXXX, and we are here in CT for my XXXX  XXXX soon. I am attaching the state of CT XXXX  XXXX  report completed form XXXX. Our ages are XXXX and XXXX XXXX XXXX. We were scammed. Please refer to the report form for additional information. My XXXX  hurts and I can not spend a lot of time in a chair anymore. I am a XXXX retired XXXX  from the state of CT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: IN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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 previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am filing this complaint because TransUnion is reporting inaccurate and unverifiable information on my credit report. On XXXX, XXXX, I identified several accounts that I believe are either outdated, not mine, or can not be verified under the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Incorrect Personal XXXXXXXX XXXX XXXXXXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal I submitted a formal dispute to TransUnion requesting that these accounts be fully investigated and removed if not verified with proper documentation. However, I did not receive a meaningful investigation or verification, and the inaccurate information remains on my report. 

I am requesting the CFPB 's assistance to ensure TransUnion complies with federal law, specifically sections 1681i ( reinvestigation of disputed information ) and 1681b ( permissible purpose ). My goal is to have any unverifiable, inaccurate, or unauthorized accounts permanently deleted from my file.

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 2025-07-16 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: IN

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-07-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC
State: GA

Complaint narrative:
This debt is not mine. I have never done business with Capio Partners or radiology partners. I was never notified of this debt, nor has this debt been verified. I want this debt to be removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: GA

Complaint narrative:
Eliminate thse charges from my reprt for identity theft. Fix my credit report. I complaind to the FTC and am includig their affidavit. Remove thse records.

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 2025-07-16 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:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  List of Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information 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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear Experian, My name is XXXX XXXX and I'm Begging for your help, I'm NOT A COMPANY! 
To get things moving, you should have more than enough time to remove these inaccurate accounts from my credit, stop ignoring my disputes I need real help!! I request to remove any/all inaccurate information from my credit report as quickly as possible. The items in question are : XXXX Acct # : XXXX * * * * * * * * * * Balance : {$0.00} Violation : FCRA XXXX Charged-off account still reporting derogatory despite being closed FCRA XXXX No contract or original obligation provided FDCPA XXXX No debt validation issued before reporting XXXX Acct # : XXXX * * * Balance : {$120.00} Violation : FCRA XXXX Paid/closed collection still appearing as derogatory FCRA XXXX No original agreement provided FDCPA XXXX No validation documentation provided by collector XXXX Acct # : XXXX * * * * * * Balance : {$17000.00} Violation : FCRA XXXX Negative account closed but not updated correctly FCRA XXXX Inaccurate balance and charge-off status FCRA XXXX Missing original contract or charge-off proof XXXX Acct # : XXXX * * * * * * * XXXX Balance : {$560.00} Violation : FCRA XXXX No resolution of previous dispute FDCPA XXXX No debt validation received from collector FCRA XXXX Contract and billing details never furnished XXXXXXXX XXXX Acct # : XXXX * * * * * * * * * * Balance : {$750.00} Violation : FCRA XXXX No original documentation or proof of assignment FCRA XXXX Reported as collection with no reinvestigation after dispute FDCPA XXXX No notice of debt or validation sent XXXX XXXX XXXX Acct # : XXXX * * * Balance : {$1300.00} Violation : FCRA XXXX Reporting after unresolved dispute FCRA XXXX Missing contract and billing breakdown FDCPA XXXX No validation from agency XXXX XXXX  Acct # : XXXX * * * Balance : {$230.00} Violation : FCRA XXXX No original agreement FCRA XXXX Failure to verify the debt FDCPA XXXX Collector did not validate XXXX XXXX XXXX Acct # : XXXX * * * Balance : {$140.00} Violation : FCRA XXXX Unverified derogatory status FCRA XXXX Contract and obligation never produced FDCPA XXXX Collection activity without proof XXXX XXXX Acct # : XXXX * * * Balance : {$240.00} Violation : FCRA XXXX Missing validation details FCRA XXXX Derogatory entry lacks verification FDCPA XXXX Collector did not validate debt CCI Acct XXXX : XXXX * * Balance : {$230.00} Violation : FCRA XXXX No documentation received FCRA XXXX Invalid dispute handling FDCPA XXXX No debt validation provided XXXX & XXXX Acct XXXX : XXXX * * Balance : {$240.00} Violation : FCRA XXXX Continued collection reporting without verification FDCPA XXXX No debt validation presented FCRA XXXX Lacks original billing records

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: VA

Complaint narrative:
In XXXX and XX/XX/year>, I formally submitted written dispute letters to all three credit bureausEquifax, Experian, and XXXX several inaccurate and/or unverifiable accounts reporting negative information on my credit reports. These accounts either contained incorrect payment statuses, outdated information, or were listed without proper verification under the Fair Credit Reporting Act ( FCRA ). 

Despite providing clear notice and supporting documentation requesting investigation and removal, some of these accounts remain on my reports. I specifically challenged the accuracy of certain late payments, charge-off statuses, and collections that are either incomplete, misreported, or no longer legally reportable due to age or lack of verification. 

In some cases, the companies failed to provide sufficient verification within the XXXX window mandated by law, yet the items were not removed. I also sent follow-up requests directly to the original creditors and/or collection agencies when applicable. 

I am filing this complaint to request the CFPB 's assistance in ensuring full compliance with federal law, including the deletion of any account information that can not be verified, is inaccurate, or is being reported beyond the allowed time period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: VA

Complaint narrative:
In XXXX and XX/XX/year>, I formally submitted written dispute letters to all three credit bureausEquifax, Experian, and XXXX several inaccurate and/or unverifiable accounts reporting negative information on my credit reports. These accounts either contained incorrect payment statuses, outdated information, or were listed without proper verification under the Fair Credit Reporting Act ( FCRA ). 

Despite providing clear notice and supporting documentation requesting investigation and removal, some of these accounts remain on my reports. I specifically challenged the accuracy of certain late payments, charge-off statuses, and collections that are either incomplete, misreported, or no longer legally reportable due to age or lack of verification. 

In some cases, the companies failed to provide sufficient verification within the XXXX window mandated by law, yet the items were not removed. I also sent follow-up requests directly to the original creditors and/or collection agencies when applicable. 

I am filing this complaint to request the CFPB 's assistance in ensuring full compliance with federal law, including the deletion of any account information that can not be verified, is inaccurate, or is being reported beyond the allowed time period.

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion immediately block and permanently remove multiple fraudulent accounts ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/year> for {$870.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  opened on XX/XX/year> for {$4200.00} ; and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/year> for {$330.00} ) that were added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report # XXXX and # XXXX along with supporting documentation, including proof that my personal data was compromised in the Equifax data breach. 

I am filing this FTC Identity Theft Affidavit to report three ( 3 ) fraudulent accounts appearing on my consumer FICO TransUnion credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of : ( XXXX ) a collection account opened at XXXX on XX/XX/year> under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$870.00}, ( XXXX ) a collection account opened at XXXX XXXX  XXXX on XX/XX/year> under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$4200.00}, and ( XXXX ) a collection account opened at XXXXXXXX XXXX XXXX  on XX/XX/year> under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$330.00}. These accounts have caused several fraudulent hard inquiries and negative collection activity on my credit report. I demand that these fraudulent items be removed from all of my consumer credit reports and that all collection activity cease immediately, as provided under my rights within the FCRA and FDCPA laws. 

It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within four ( 4 ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect 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