vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-14 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:
I am extremely dissatisfied with the failure to comply with section FCRA XXXX ( XXXX XXXX. XXXX ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-04-14 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:
XX/XX/XXXX : I disputed a debt from XXXX XXXX on my credit report. That dispute was quickly denied with no explanation. 
XX/XX/XXXX : I disputed a debt from XXXX XXXX on my credit report. That dispute was quickly denied with no explanation. 
XX/XX/XXXX : I disputed a debt from XXXX XXXX on my credit report. That dispute was quickly denied with no explanation. 
XX/XX/XXXX : I disputed a debt from XXXX XXXX XXXX on my credit report. That dispute was quickly denied with no explanation. 
XX/XX/XXXX : I disputed a debt from XXXX XXXX XXXX XXXX on my credit report. That dispute was quickly denied with no explanation. 
XX/XX/XXXX : I disputed a debt from XXXX XXXX on my credit report. That dispute was quickly denied with no explanation. 
XX/XX/XXXX : I disputed a debt from XXXX XXXX on my credit report. That dispute was quickly denied with no explanation. 
XX/XX/XXXX : I disputed late payment status on XXXX accounts that should actually be listed as closed : XXXX and XXXX. That dispute was quickly denied with no explanation. 

Equifax makes it very difficult to dispute items, and subsequently does NOT do proper investigation of dispute claims.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have called in and set letters in for address that do not belong to me to be removed, and they have not complied. There should not be any personal information that does not belong to me on my credit report this includes addressed and work history

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 2025-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: IN

Complaint narrative:
Hello My name is XXXX XXXX On Wednesday XX/XX/year> I received an alert on my phone that Chime has temporarily suspended my account for suspicious activities and that I would need to contact chime customer support and so I did after contacting them I was told this was a legal team suspension that I would need to contact the legal team at chime via email and they provided the email so after I sent the email it took them day to reply to my email and the only response I got is that I needed to contact Chimes customer support so I did again and I was given the same answer as before and this has gone on for XXXX days now with the calling and emailing and I am not getting the answers I need My account is suspended with all my money in it I had to get a loan to get food to feed my kids for the weekend and to put gas in my car this is unfair treatment XXXX not sure how they can do this I feel scammed by my own bank!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: TX

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing this complaint to dispute inaccurate and unverifiable negative information being reported by Capital One Auto Finance on my credit reports. 
According to my credit files from XXXX, XXXX, and XXXX, the account is showing account shows charge-off and repossession with {$7900.00} balance, which I believe is incorrect. I contacted the credit bureaus and submitted formal disputes under my rights provided by the Fair Credit Reporting Act ( XXXX XXXX - XXXX ), but I have not received any proper verification or resolution. 
The FCRA requires furnishers of information to provide accurate data to all reporting agencies. If they can not verify the negative item with original documentation, the information must be deleted from all reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: NY

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and 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 2025-04-14 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor 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 badly hurt 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 explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
Rocket Mortgage provided documentation in response, but the documents do not align with my payment history or the terms that were verbally explained to me at the time. In XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was NEVER even late on any mortgage payments but Doctors informed me Id neeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In late XXXX I called Rocket ( then Quicken Loans ) to inquire about any possible hardship plans being available. I was instructed to miss one payment in order to trigger authorization to apply for the only Hardship plan they offered. I was very hesitant to do this ( owned 5 homes previously and NOT ONCE EVER missed a single mortgage payment ) so I very specifically asked if in any way would or could affect my credit rating - and was explicitly told no - it would have no bearing whatsoever on any credit report. My credit report even includes the comment loan modified under a federal government plan. Had I been told otherwise, I would never have entered into this agreement. Therefore, I reluctantly skipped XX/XX/XXXX payment as per their direction. I followed the instructions precisely and continued to make reduced good faith payments XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX, I was told I had successfully met the qualifications and therefore the Modification loan processing would begin. I was also advised that no payment would be required until all details of the new loan were complete and finalized. 

Beginning XX/XX/XXXX, I made {$950.00} payments each month under the new modified terms. Despite this, Rocket later retroactively reported me as 150 to 180 days late delinquent from XXXX to XX/XX/XXXX- even though I made full payments during that time. They also later retroactively reported me 30 days late in XX/XX/XXXX even though no payment was missed during that time either. 

I have records showing I fully complied with their instructions and will attach payment records as evidence Rocket was paid as agreed upon in XX/XX/XXXX and the months of XXXX XXXX. This is not what my credit report reflects, and I have disputed this before. Rocket continues to defend their position by citing a contract I no longer have access to, and unable to verify whether it had been altered or misrepresented. 

Under the Fair Credit Reporting Act ( FCRA ), information reported must be accurate and verifiable. This report is factually incorrect, misleading, damaging, and must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: GA

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

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 2025-04-14 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:
Subject : Dispute of Charge-Off Account Under FCRA Sections 1681b ( 2 ) and 611 Attention : Individuals in Charge, I am putting forth a formal objection against a misleading entry listed on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) Sections 1681b ( 2 ) and 611. I demand that you thoroughly examine and eliminate the erroneously included charge-off account specified below. 

Account Details : Account Name : XXXX XXXX XXXX Account Number : XXXX Reported Charge-Off Date : XX/XX/year> Disputed Amount : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Its reporting a late payment in 2024 XXXX and I have never been late.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: King of Credit Financial, Inc
State: CA

Complaint narrative:
I am writing to file a formal complaint regarding my previous request submitted over 35 days ago under Section 609 of the Fair Credit Reporting Act ( FCRA ). I mailed a 609 letter to both the credit bureaus and relevant creditors, requesting verification and validation of specific items on my credit report that do not belong to me.

To date, I have not received any response or documentation verifying the disputed accounts. According to the FCRA, credit bureaus are required to investigate and respond to such disputes within 30 days. This lack of response is a clear violation of my consumer rights under federal law.

I am requesting immediate action to : 1. Remove the unverified and inaccurate items from my credit report.

2. Provide a written confirmation of the removals.

3. Ensure compliance with FCRA guidelines moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Dear CFPB Representative, I am filing this formal complaint against TransUnion, Experian, and Equifax regarding multiple instances of inaccurate, inconsistent, and unverifiable reporting on my credit reports dated XX/XX/XXXX. 

Despite my efforts to dispute these accounts directly with the credit bureaus, the following items remain unresolved or are being reported in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811681x : Summary of Violations Across All 3 Credit Reporting Agencies : 1. XXXX XXXX XXXXXXXX ( Account # : XXXX ) Reported as a repossession with a balance of {$8400.00} despite no payment activity since XX/XX/XXXX. 

The loan terms show $ XXXX payments, indicating the account is inactive but still listed with derogatory status. 

Violation : Failure to update obsolete information under FCRA 1681c ( a ) ( 4 ) and 1681e ( b ). 

XXXX. XXXX XXXX ( Account # : XXXX ) Each bureau reports conflicting statuses including paid in full charge-off, consumer disputes after resolution, and closed by grantor. 

Dates, balances, and delinquency history differ by bureau. 

Violation : Inconsistent data across bureaus and continued reporting of a disputed debt without resolution under FCRA 1681s-2 ( a ) ( 1 ). 

XXXX. XXXX XXXX XXXXXXXX / XXXX ( Account # : XXXX Multiple Loans ) Seven student loan accounts are reported with duplicate or fragmented data. 

Payment histories, balances, and delinquency dates are inconsistent across all three bureaus. 

Some payments from XXXX and XXXX are not reflected at all. 

Violation : Misreporting and failure to maintain accurate records per FCRA 1681e ( b ) and 1681i ( a ). 

XXXX. XXXX XXXX XXXX ( Account # : XXXX ) Appears only on Equifax as a charge-off with no payment or activity history since XXXX. 

No match on TransUnion or Experian. 

Violation : Incomplete data reporting and likely re-aging of debt. 

XXXX. XXXX XXXX XXXX ( Account # : XXXX & XXXX ) Two collections accounts reported with no terms, payment history, or validation. 

Appear to be outdated or unverifiable debt. 

Violation : Unverifiable and outdated information potentially re-aged in violation of FCRA 1681c and 1681s-2 ( b ).

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 2025-04-14 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: OR

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so 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 explanation