vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 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:
I am filing this complaint because multiple accounts and inquiries are being reported inaccurately and without proper verification, causing me financial harm. Under FCRA 602 ( A ) I am entitled to maximum possible accuracy, yet the bureaus failed to validate, failed to reinvestigate, and continued reporting items that do not belong to me or contain false payment history. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment Date Opened : XX/XX/year> Balance : {$24.00} * * This late payment history is inaccurate. I have never made a late payment on this account. Reporting a late payment without proper verification violates FCRA 602 ( A ), 607 ( B ), and 611 because the bureau must ensure maximum possible accuracy and must reinvestigate any disputed inaccuracy. The late payment must be immediately corrected and updated to show an on-time payment history. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment Date Opened : XX/XX/year> Balance : {$390.00} * * This late payment is also inaccurate because I have never made a late payment. Reporting false derogatory information without proper verification violates FCRA 602 ( A ), 607 ( B ), and 611. Since you have not produced any documentation proving I was late, you must correct the payment history and remove the late entry from my report. 

The bureaus failed to verify or correct these items. I request immediate CFPB intervention to enforce compliance and remove all unverifiable and inaccurate entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EdFinancial Services
State: CA

Complaint narrative:
I am filing a complaint because EdFinancial mishandled my loan, misapplied payments, created incorrect balances I never borrowed, and is reporting delinquency that is damaging my credit. 

I originally took out XXXX loan for {$3200.00}, which is the only amount I agreed to and received. My school and EdFinancial never notified me of multiple loans or separate loan disbursements. 

Between XXXX XXXX, during the federal XXXX 0 % interest administrative forbearance, I voluntarily paid back the entire {$3200.00} XXXX borrowed : {$1400.00} Confirmation # XXXX {$700.00} Confirmation # XXXX {$600.00} Confirmation # XXXX {$170.00} Confirmation # XXXX {$150.00} Confirmation # XXXX {$240.00} Confirmation # XXXX EdFinancial accepted and posted these payments, but they were processed under Group ID : ALL, causing misallocation. 

My dashboard now shows XXXX separate loan balances ( {$1200.00} and {$2200.00} ) that I never agreed to and never borrowed. These balances are mathematically impossible and only exist because the payments were misapplied. 

EdFinancial is also showing XXXX missed payments, which is false. During XXXX forbearance, NO payments were required, and servicers were prohibited from reporting delinquency. This has caused significant harm to my credit, affecting my ability to secure credit, housing, and employment. 

This is a clear servicing error, not borrower wrongdoing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: AZ

Complaint narrative:
These are inaccurate items. They show as late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: MN

Complaint narrative:
I am formally requesting the prompt removal of the unauthorized accounts listed on my credit report, as I neither authorized nor was aware of their existence. In compliance with 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Enclosed are supporting documents for your 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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is a follow-up complaint regarding Equifax 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Equifax repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data. 
Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Equifax to potential regulatory and civil liability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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 2025-11-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC
State: CA

Complaint narrative:
I signed the original Retail Installment Sale Contract for my vehicle at a dealership in XX/XX/XXXX. The dealership required me to return multiple times and sign additional versions of the contract, resulting in several different contracts being created. 

In XX/XX/XXXX, I sent a certified written request to the loan servicer asking for complete copies of every version of the contract I signed, including the original contract and all subsequent versions. According to the XXXX delivery confirmation, the company received my request on XX/XX/XXXX. 

More than XXXX  days passed without a complete response. In early XX/XX/XXXX, the company sent only XXXX documentthe final contract version. They did not provide the earlier contracts I signed, the versions created during multiple dealership visits, any voided or revised versions, or any electronic versions. I still do not know which contract terms the company is basing the loan on, and I can not verify the accuracy of the financed amount, interest rate, or disclosures. 

Despite the open dispute and the companys failure to provide the requested documentation, I continue to receive notices warning of repossession. I believe it is improper and potentially unlawful for a lender to threaten repossession when they have not supplied the required contract documents that would allow a borrower to confirm and validate the loan terms. 

I am requesting assistance in obtaining all versions of the contract I signed, and I am asking the company to stop all repossession threats and adverse actions while the dispute remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: OH

Complaint narrative:
On XX/XX/XXXX I attempted to deposit a check to my Chime account. It said it would clear in XXXX business days. I accepted. The next morning I received a notification that the check wouldn't be available until XX/XX/XXXX. As it was only XXXX hours later I contacted Chime to cancel the deposit as it was well within the XXXX grace period per their policy. I was told I was not able to do this and was highly irritated as this was happening the morning of my birthday. I was very angry and mean to the representative due to the lack of willingness to assist me. Upon terminating the call I went back into my account throughout the day hoping to see a change. Nothing. The next morning XX/XX/XXXX I went to check my account again and I was unable to access it. I wasted XXXX hours of my life trying to prove my identity, because their representative changed all of my log in information in retaliation for me being mean. Me being a XXXX doesn't absolve Chime from responsibility allowing their call centers to commit computer and bank fraud. This is disgraceful that I even have to type this and I'm absolutely appalled at the level of criminality within their organization. I have still not received my funds as of yet, XX/XX/XXXX at XXXX. I feel the delay is also a part of the retaliation and now am in fear my money will never be accessible. This experience has left me terrified to do business with any bank and I can't wait to empty the account and never look back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: WI

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. 

XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX  # XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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:
This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed an FTC complaint ( XXXX XXXXXXXX ), which is attached. There are accounts on my report which do not belong to me. These accounts are hindering me from obtaining new credit and thus causing me much hardship. 
I am 100 % willing to work with the credit bureaus and authorities to resolve this matter as soon as possible. I will be following up with your agency to ensure everything is being done to remove these fraudulent accounts from my report. Please be aware all required documentation is within this packet and has been mailed to your agency. 
I demand the following fraudulent accounts and Inquiries be DELETED from my credit report immediately.

1. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report SAFCO Account Number : XXXX I am writing to formally request the removal of an account that I believe contains misleading and false information, as outlined in the FTC filing. This account violates FDCPA Section 807. Please delete it from my credit report ; otherwise, I will consider pursuing legal action. 
2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/year> I formally request the immediate removal of these transactions from my report as they violate my rights as a federally protected consumer under Title XXXX XXXX XXXX  specifically 15 U.S. Code 1681n and 15 U.S. Code 1681a ( 2 ) ( B ).

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> I formally request the immediate removal of these transactions from my report as they violate my rights as a federally protected consumer under Title 15 XXXX XXXX specifically 15 U.S. Code 1681n and 15 U.S. Code 1681a ( 2 ) ( B ).

4. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/year> I formally request the immediate removal of these transactions from my report as they violate my rights as a federally protected consumer under Title 15 XXXX  XXXX specifically 15 U.S. Code 1681n and 15 U.S. Code 1681a ( 2 ) ( B ).

Please block and/or remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: FL

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under XXXX, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. XXXX ( a ) ( XXXX ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. CXX/XX/XXXXe XXXXb outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


15 U.S. CXX/XX/XXXXe XX/XX/XXXXXXXX a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

15 U.S. CXX/XX/XXXXe XXXX Section XX/XX/XXXX (XX/XX/XXXX) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( XX/XX/XXXX ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: FL

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under XXXX, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. XXXX ( a ) ( XXXX ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. CXX/XX/XXXXe XXXXb outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


15 U.S. CXX/XX/XXXXe XX/XX/XXXXXXXX a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

15 U.S. CXX/XX/XXXXe XXXX Section XX/XX/XXXX (XX/XX/XXXX) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( XX/XX/XXXX ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-11-21 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: AR

Complaint narrative:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

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 2025-11-21 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 request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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 2025-11-21 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: GA

Complaint narrative:
I am not associated with the creditors listed and did not authorize this inquiry. Please remove it from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
I requested written hardship options, a written hardship review, a breakdown of all fees and minimum payment increases, and an explanation for why my prior months minimum was rolled into the new minimum instead of placing my account into hardship status. I also requested written communication only. Concora ignored all of these requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: EQUIFAX, INC.
State: SC

Complaint narrative:
This is not acceptable unauthorized access to my credit report by multiple companies has directly damaged my credit and credit score. I previously contacted your agency and was explicitly assured by a representative that these unauthorized inquiries would be removed. That promise has been broken ; these inquiries persist. This blatant failure to act is intolerable. The ongoing presence of these potentially fraudulent entries strongly indicates identity theft and must be addressed immediately. This unresolved issue is causing severe emotional and financial harm.

Company response to consumer: Closed with explanation