vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-25 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:
Companies are required to protect their customers privacy. Companies can not share consumers financial informationincluding as part of the complaint processunless everyone listed in the complaint is also listed on the account or loan or authorized by the customer to receive financial information. Companies can require that their customers provide signed, written permission directly to the company before sharing financial information with a third party, such as a lawyer, guardian, or power of attorney. - meaning Myself and the other company is required to not disclose any documentation unless WRITTEN permission is given. All data breaches, compensation for breaches, and credit reporting contradicts policy. Coercion does not qualify for consent, being forced to signup for credit reporting services to dispute inaccurate information goes against law and policy. All SCRA, TILA, FCRA documentation is required and requested.

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 2025-09-25 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXXDate Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$450.00} -Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-25 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: AL

Complaint narrative:
I am formally disputing the accuracy and validity of the following account listed on my credit file : XXXX : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX XXXX This account is being reported in violation of my rights under the Fair Credit Reporting Act and other federal statutes : 15 U.S.C. 1681, Section 602 : Right to privacy.

15 U.S.C. 1681, Section 604 ( a ) ( 2 ) : A consumer reporting agency can not furnish account information without my written instruction or permissible purpose.

15 U.S.C. 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2025-09-25 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: AL

Complaint narrative:
I am formally disputing the accuracy and validity of the following account listed on my credit file : XXXX : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX XXXX This account is being reported in violation of my rights under the Fair Credit Reporting Act and other federal statutes : 15 U.S.C. 1681, Section 602 : Right to privacy.

15 U.S.C. 1681, Section 604 ( a ) ( 2 ) : A consumer reporting agency can not furnish account information without my written instruction or permissible purpose.

15 U.S.C. 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-09-25 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: LA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. 
This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. This is a formal complaint against BARCLAYS BANKXXXX a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. BARCLAYS BANKXXXX 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 2025-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: MI

Complaint narrative:
Account was opened without my consent and have been trying to dispute with chime for years but they keep charging the account and says now I owe them and went to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.

Complaint narrative:
I've recently received a copy of my credit report and notice that the XXXX XXXXXXXX XXXX account is appearing in my enquiry since XX/XX/year> and I've paid up all my accounts in XXXX XXXXAlso my credit history as well as all my closed accounts are forever appearing in my report.these remarks are detrimental to my life and credit health.

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 2025-09-25 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 requesting the removal of XXXX fraudulent account from my credit reports with Experian, TransUnion, and Equifax. Please review my supporting documents and remove the account that was fraudulently added to my credit profile

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 2025-09-25 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:
This is a XXXX follow up regarding to the recent investigation accounts listed on my credit report. I do not agree with your findings and must insist on complete accuracy. It is my belief that sufficient efforts were not made to properly contact the creditors reporting this information. The accounts in question are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXUnder the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I am entitled to a reasonable reinvestigation of disputed information, which requires direct verification with the creditor or furnisher. Without full and verifiable evidence, the continued reporting of these accounts is inaccurate and harmful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 XXXX 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 explanation
Consumer complaint received 2025-09-25 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: UT

Complaint narrative:
I opened an account with this company for an airline plane ticket purchase. They allow you to make payments. I paid off the card successfully. Last week I noticed that i had a 30 day late for a different purchase. I never made another purchase with them. I have no knowledge of this purchase and never authorized anyone to make this purchase. I also never received any invoices or bills regarding this new purchase. This is what it was late. The said that I owed {$29.00} and reported me 30 days late for not paying {$29.00}. I ended up paying off this purchase so that it will not further damage my credit. I reached out to them and they were impossible to get a hold of.

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 2025-09-25 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: UT

Complaint narrative:
I opened an account with this company for an airline plane ticket purchase. They allow you to make payments. I paid off the card successfully. Last week I noticed that i had a 30 day late for a different purchase. I never made another purchase with them. I have no knowledge of this purchase and never authorized anyone to make this purchase. I also never received any invoices or bills regarding this new purchase. This is what it was late. The said that I owed {$29.00} and reported me 30 days late for not paying {$29.00}. I ended up paying off this purchase so that it will not further damage my credit. I reached out to them and they were impossible to get a hold of.

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 2025-09-25 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: UT

Complaint narrative:
I opened an account with this company for an airline plane ticket purchase. They allow you to make payments. I paid off the card successfully. Last week I noticed that i had a 30 day late for a different purchase. I never made another purchase with them. I have no knowledge of this purchase and never authorized anyone to make this purchase. I also never received any invoices or bills regarding this new purchase. This is what it was late. The said that I owed {$29.00} and reported me 30 days late for not paying {$29.00}. I ended up paying off this purchase so that it will not further damage my credit. I reached out to them and they were impossible to get a hold of.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: NV

Complaint narrative:
Credit Collection Serv XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Subject : Formal Cease and Desist Demand This correspondence serves as your official notice to immediately cease and desist from [ clearly describe the unlawful or harmful behavior, such as making defamatory statements, harassment, unauthorized use of company assets, and damages to my credit report. Your actions constitute a violation of my legal rights and have resulted in financial loss, reputational harm, and emotional distress. 
In XXXX, I had XXXX  XXXX, and I noticed that I could get a better rate with another insurance provider. While in the process of switching insurance providers, I was told that I needed to pay for another month of insurance when that wasnt required. They tried to charge me {$420.00} for another month, although I canceled my insurance and switched providers. This is highly unacceptable, and I tried to reach out and my current insurance provider reached out, but they didnt want to comply with their policy. 
If you fail to comply with this demand, I am prepared to pursue all available legal remedies, including but not limited to filing a lawsuit, seeking injunctive relief, and demanding monetary damages. Be advised that continued misconduct may also expose you to liability for court costs and attorneys fees. 
This letter serves as a final warning before formal legal action is initiated. I strongly urge you to take this matter seriously and confirm, in writing, within XXXX business days of receipt of this letter, that you have ceased all unlawful activity. 
Failure to respond or comply will leave me with no alternative but to escalate this matter through the appropriate legal channels.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing 6th follow up on my previous complaint regarding fraudulent items that remain on my credit file. While I acknowledge that some items have already been removed, there are still accounts and inquiries being reported that were opened without my knowledge or authorization.XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6900.00XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$5600.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate credit file that does not include fraudulent or unauthorized information. Continued reporting of these items, despite my dispute, is a violation of FCRA 611 ( 15 U.S.C. 1681i ), which requires that disputed informationremoved if it can not be verified.

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 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I am submirring to formally dispute the reporting of inaccurate late payments on an open account listed in my credit file. After reviewing my report, I have identified a late payment notation that I believe to be either misreported or not properly verified. This entry is negatively impacting my credit standing and may represent a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Credit Billing Act ( FCBA ). 
XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$8500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: IL

Complaint narrative:
I am filing a follow up this complaint to dispute multiple charge-off accounts and inquiries being reported on my credit file that are inaccurate, unverifiable, or duplicative. These errors are causing significant harm to my credit standing and do not reflect my true financial situation. Disputed Accounts and Issues : XXXX ( Acct. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported as a charge-off with a balance of {$3300.00}. This reporting is not properly substantiated and XXXX be inaccurate. XXXX XXXX XXXX ( Acct. XXXXXXXX XXXX XXXX XXXX XXXX XXXX Reported charge-off with a balance of {$1600.00}. XXXX XXXX ( Acct. XXXXXXXX XXXX XXXX XXXX XXXX XXXX Reported charge-off with a balance of {$2600.00}. The account appears to remain derogatory despite inconsistencies. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Another charge-off listed with a balance of {$2300.00}, creating a possible duplicate entry. XXXX ( Acct. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported as a charge-off with a balance of {$4800.00} without clear verification. XXXX ( Acct. XXXX ) XXXX Charge-off showing a balance of {$6700.00}. XXXX XXXX ( Acct. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported with a balance of {$1900.00} ; requires verification due to inconsistencies. XXXX XXXX ( Acct. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported with a balance of {$900.00}, but lacking proper substantiation. Inquiries in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX These inquiries appear without my authorization or adequate permissible purpose documentation.

Company response to consumer: Closed with non-monetary relief