vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-05 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: PA

Complaint narrative:
My account with XXXX AND XXXX XXXXwas never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX AND XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

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 2025-06-05 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: NE

Complaint narrative:
I am writing you about the Fraudulent use of my social security number due to the XXXX  XXXX breach. I believe I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth so there will be no discrepancy on the fraudulent accounts listed by me. The information below, which appears on my credit report, does Not relate to any transactions that I have ever made or accounts I have opened. It is the result of identity theft. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/year> XXXX. 
XXXX XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX A Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and request the removal of inaccurate personal information currently listed on my credit reports from your bureau. These inaccuracies include incorrect names, addresses, and employers that do not belong to me and must be deleted immediately under the Fair Credit Reporting Act ( FCRA ). 

Credit Report Date : XX/XX/XXXX Correct Full Name : XXXX XXXX XXXX Correct Date of Birth : XX/XX/XXXX Correct Address : XXXX XXXX, XXXX, TX XXXX Incorrect Names ( Please Remove ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX name to retain : XXXX XXXX XXXX Incorrect Addresses ( Please Remove ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Returned Mail XXXX, XXXX, TX XXXX XXXX address to retain : XXXX XXXX, XXXX, TX XXXX XXXX ( Never Worked Please Remove All ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have never worked for any of the employers listed above. Please permanently remove them from my credit report. 

Under the FCRA, you are required to investigate and correct inaccurate or unverifiable information. Please confirm in writing once these corrections have been made and provide updated copies of my credit report. 

Enclosed you will find a copy of my government-issued ID and proof of address for verification purposes. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX Would you like me to generate this as a downloadable PDF, or would you like copies tailored for each credit bureau separately ( XXXX XXXX, and Equifax )?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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: FL

Complaint narrative:
The original contract or agreement showing that I am obligated to pay this debt. The name of the creditor to whom the debt is currently owed. A detailed statement of the amount you claim I owe, including any interest or fees that have been applied. 
Documentation of your authority to collect this debt on behalf of the original creditor. 
There has been no appropriate validation of evidence from original contract with an original signature of my name. 
TransUnion agreed to a {$23.00} XXXX class action lawsuit settlement to resolve claims it failed to properly investigate credit report disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: FL

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 2025-06-06 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 am highly concerned about this late payment record, as it does not align with my reliable payment history. This situation is distressing, and I respectfully ask for its prompt removal to ensure my account is updated correctly.

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 2025-06-05 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: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of Engelhardt v Gravens ( mo ) XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-05 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: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of Engelhardt v Gravens ( mo ) XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) 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 2025-06-05 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: OR

Complaint narrative:
This late payment record is inaccurate and does not represent my consistent payment behavior. I have maintained timely payments, and I request its removal to ensure my account reflects accurate 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 2025-06-05 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: MO

Complaint narrative:
I am submitting a second formal dispute under the Fair Credit Reporting Act ( FCRA ) 605B due to Experians failure to remove all fraudulent information after my initial identity theft complaint.

In my first dispute, I submitted a valid FTC Identity Theft Report, government-issued identification, and proof of address. While Experian deleted some unauthorized inquiries, several others remain, along with a fraudulent account that I did not authorize or initiate. 

The following inquiries are still appearing on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Additionally, the following fraudulent account remains active in my file : XXXXXXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX All of these items were disputed as part of my identity theft claim. Their continued presence violates FCRA 605B, which mandates that consumer reporting agencies must block identity theft-related information once proper documentation has been submitted. 

I am demanding immediate reinvestigation and permanent deletion of these records. XXXX failure to fully comply with federal law is unacceptable, and I reserve the right to take further legal action if this is not resolved promptly.

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 2025-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: TX

Complaint narrative:
As of XX/XX/XXXX I received my paycheck for XXXX dollars. I tried to purchase a drill from XXXX for XXXX dollars and the transaction was instantly canceled due to an unknown error from XXXX. 2 hours later I purchased a drill for XXXX from XXXX XXXX with no issues. I then transferred XXXX dollars to my regular bank account with no issue. Then 2 hours later I tried to log into my chime account and was told on the app it was closed. I then referred to my email and I had received an email my account was closed. I contacted chime customer service and was told it was closed for some reason but not given a specific reason nor was I told where my remaining XXXX XXXX dollar balance was. I was hung up on by customer service after requesting a supervisor twice. I called back and again was told no specific reason and that I was not eligible for a refund but for no reason why. I called back for a 3rd time after reading the legal disclaimer. It said I have the right to have this reviewed. But still the same run around. No information about the review process no info on who to contact. Zero answers to where my money has gone and why. I was told it maybe sent to me in a check or maybe be escheated to the state on file. Still with no reason why.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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:
In accordance with the Fair Credit Reporting Act, I believe my rights have been violated regarding the following accounts : Account Name : XXXX XXXX Account Numbers : XXXX and XXXX Under 15 U.S.C. 1681 Section 602 ( a ), I have the right to privacy.

Under 15 U.S.C. 1681 Section 604 ( a ) ( 2 ), a consumer reporting agency is not allowed to furnish any account without the consumers written instructions. 

I never signed any written agreement ( physical or electronic ) authorizing these accounts to be reported to the credit bureaus.

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 2025-06-05 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:
In accordance with the Fair Credit Reporting Act, I believe my rights have been violated regarding the following accounts : Account Name : XXXX XXXX Account Numbers : XXXX and XXXX Under 15 U.S.C. 1681 Section 602 ( a ), I have the right to privacy.

Under 15 U.S.C. 1681 Section 604 ( a ) ( 2 ), a consumer reporting agency is not allowed to furnish any account without the consumers written instructions. 

I never signed any written agreement ( physical or electronic ) authorizing these accounts to be reported to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX, XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX, XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
XXXX XXXX is reporting a XXXX XXXX credit card account that was charged off and included in XXXX. I am submitting an FTC Identity Theft Report and passport ID as formal notice under FCRA 1681c-2. This account was furnished without verifying identity, consent, or accuracy. The furnisher failed to comply with FCRA 1681e ( b ), 1681s-2 ( a ), and 1681s-2 ( b ). The continued publication of this information across credit bureaus is harmful, inaccurate, and not legally validated. I dispute this tradeline under identity theft law and demand removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Equifax Credit Reporting Agency, is reporting inaccurate information on my credit report ; about Debt Collection Agencies. The collection agencies have not provided ( 1. ) Flow of Aggrement Letter, ( 2. ) Chain of Assignment Letter ( 3 ) Date of Validation Letter. When a Creditor sells your Debt to a ( third party ) ; collection Agency ( Without ur written consent or authorization ) ; it is illegal for that collection agency to come after for that debt according to : 15USCode1692a ( b ) ; ( 15USCode 1681a ( b ) .I ask these collections be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: GA

Complaint narrative:
Wage Earner Plan Filed XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX or ID # - XXXX ; Type - Personal ; Filer - Individual ; Current Disposition - Dismissed/Closed XXXX ; Current Disposition Date XX/XX/XXXX ; Date Verified XX/XX/XXXX ; Date Reported XX/XX/XXXX ; Prior Disposition - XXXX Filed; Address : XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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: GA

Complaint narrative:
XXXX XXXX ; Collection Reported XX/XX/XXXX ; Assigned XX/XX/XXXX ; Creditor Class - Insurance ; Original Creditor - XXXX XXXX CO ; Amount - {$89.00} ; Status as of XXXX Unpaid ; Date of XXXX Delinquency XX/XX/XXXX ; Balance as of XX/XX/XXXX - {$89.00} ; Individual Account XXXX Account # - * XXXX ; ADDITIONAL INFORMATION - Consumer Disputes- Reinvestigation in Process ; Consumer Disputes This Account Information ; Address : XXXX XXXX XXXX XXXX MA XXXX :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Possible Financial Inc
State: AL

Complaint narrative:
I am a victim of identity theft through data breaches and during the 2020 pandemic

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: NC

Complaint narrative:
I have encountered difficulties accessing my Equifax Information Services account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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:
Disputing a XX/XX/year> late payment on Acct # XXXX. I requested a hardship extension in XXXX, which XXXX approved, yet a late mark was reported. Docs show adjustment. Per FCRA, please remove the error and confirm the correction. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: GA

Complaint narrative:
Disputing a XX/XX/year> late payment on Acct # XXXX. I requested a hardship extension in XXXX, which XXXX approved, yet a late mark was reported. Docs show adjustment. Per FCRA, please remove the error and confirm the correction. 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 2025-06-05 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: GA

Complaint narrative:
Disputing a XX/XX/year> late payment on Acct # XXXX. I requested a hardship extension in XXXX, which XXXX approved, yet a late mark was reported. Docs show adjustment. Per FCRA, please remove the error and confirm the correction. 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 non-monetary relief