vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-12 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX is repeatedly reporting inaccurate statuses on my credit report, inaccurate balances, and reports the account differently every month. They have no secure system to ensure accurate information is used. Ive reported this multiple times, and they refuse to fix the issues. 

I DO NOT HAVE ANY OPEN ACCOUNTS WITH XXXX. 

I HAVE NEVER MISSED ANY PAYMENTS WITH XXXX. 

I DO NOT HAVE A BALANCE ON ANY ACCOUNT WITH XXXX. 

XXXX IS ILLEGALLY TRYING TO COLLECT ON AN ACCOUNT IN WHICH THEY LEGALLY CAN NOT COLLECT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$310.00} XXXX XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$890.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$370.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-12 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: TX

Complaint narrative:
XXXX XXXX XXXX is reporting a fraudulent account on my credit report

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 2025-08-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX is reporting a fraudulent account on my credit report

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 2025-08-12 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: TX

Complaint narrative:
XXXX XXXX XXXX is reporting a fraudulent account on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: CA

Complaint narrative:
Im reaching out because theres an account showing up on my credit report that does not belong to me. This account appears to be the result of mixed or merged credit information, and it is very clear that this account is tied to someone elses identitynot mine. 

I want to make this absolutely clear : I have no association whatsoever with the account in question. I did not open it, I have no connection to the person who did, and I should not be held responsible for their financial activity. Somehow, my credit file has been inaccurately combined with another persons information, and this is now negatively impacting my credit profilethrough no fault of my own. 

This is not just a mistake ; its a serious error that violates the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). Under the law, you are obligated to ensure that every item reported under my name is 100 % accurate and verifiably connected to me. In this case, that standard is not being met.

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 2025-08-12 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: CL Holdings LLC
State: VA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute a fraudulent credit card account in my name and request immediate assistance in resolving this matter. 

I became aware of a credit card account with an outstanding balance exceeding over {$1000.00} that I did not open or authorize. Upon investigation, I determined this account was opened fraudulently and is a direct result of my personal information being compromised in a recent data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are fraudulent accounts appearing on my credit report that I did not open, authorize, or maintain. This incorrect reporting has caused me substantial harm by lowering my credit score and damaging my financial reputation.

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 2025-08-12 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: LA

Complaint narrative:
After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

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 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file.

The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXXXXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: TX

Complaint narrative:
I am contacting you to dispute an inaccurate late payment reported on my account. The payment was made in a timely manner, and this false reporting is misleading and harmful to my credit profile. This error must be corrected without delay.

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 2025-08-12 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: TX

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

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 2025-08-12 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: TX

Complaint narrative:
Subject : University XXXX Inaccurate and XXXX XXXX XXXX XXXX XXXX XXXX : I am filing this complaint to report inaccurate, inconsistent, and misleading credit reporting by University XXXX regarding my credit card account ending in XXXX. This account is being paid as agreed, yet derogatory late payment information is being furnished to some credit bureaus, while another bureau shows the account as current. 

Facts and discrepancies from my credit reports : Account Status XXXX  : Positive Experian : In Dispute XXXX  : In Dispute Past Due Reporting XXXX  : Past Due XXXX Experian : Past Due XXXX  months ( shows XXXX late in XX/XX/XXXX and XX/XX/XXXX ) XXXX  : Past Due XXXX  months ( shows XXXX late in XX/XX/XXXX and XX/XX/XXXX ) Payment History Conflicts XXXX  : Shows XXXX  for XX/XX/XXXX and XX/XX/XXXX. 

Experian & XXXX  : XXXX XXXX late for XX/XX/XXXX and XX/XX/XXXX. 

Last Activity XXXX  : XX/XX/XXXX Experian : XX/XX/XXXX XXXX  : XX/XX/XXXX Date of Last Payment XXXX  : XX/XX/XXXX XXXX  : XX/XX/XXXX Experian : Not listed. 

Last Reported Date XXXX  XXXX  bureaus show XX/XX/XXXX, but underlying payment data conflicts. 

Laws Violated FCRA ( XXXX XXXX. XXXX et seq. ) : XXXX ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy. 

XXXX ( a ) Failure to conduct a reasonable reinvestigation after dispute. 

XXXX ( a ) ( XXXX ) ( A ) Furnishing information known or that should be known to be inaccurate. 

XXXX ( a ) ( XXXX ) Duty to promptly update and correct information so that it is not misleading. 

XXXX ( b ) Duty to investigate and correct after receiving notice of dispute from a CRA. 

Regulation V ( XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) : XXXX ( b ) Duty to have reasonable written policies to ensure the accuracy and integrity of furnished data. 

XXXX Duties upon direct disputes, including correcting or deleting inaccurate information. 

Harm caused : XXXX XXXX alleged XXXX late payments to Experian and XXXX  while XXXX  shows XXXX months as XXXX is materially misleading. 

These discrepancies damage my creditworthiness and show a lack of accurate and consistent reporting practices.

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 2025-08-12 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: FL

Complaint narrative:
I am disputing the XXXX XXXX XXXX / XXXX XXXX FL account on my credit report. The information youre reporting is inaccurate and inconsistent with the other credit bureaus. 

Heres what I found : Date of Last Activity is different between bureaus. 

TransUnion shows XX/XX/XXXX Experian shows XX/XX/XXXX Account Status is different between bureaus. 

TransUnion lists it as XXXX Experian lists it as Closed These cant both be true. If the data isnt consistent, its not accurate and under FCRA 607 ( b ), youre required to report only accurate information.

Im asking you to delete this account from my credit file immediately because you can not verify it with 100 % accuracy and consistency.

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 2025-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: KS

Complaint narrative:
On XX/XX/scrub> 2025, I received an email appearing to be from Chime confirming a New Profile Approval with routing number XXXX and a new savings account number ending XXXX, stating all future funds would be redirected there for security. 

That same day, {$1100.00} was sent via Pay Anyone to ( XXXX ) XXXX the exact same account number from the email. I did not knowingly send funds to XXXX XXXX I believed I was moving my money into my Chime savings account, as instructed in the email. 

I reported this as fraud within 3 hours and have filed 45 claims with Chime, all denied without addressing the matching account number between the fraudulent email and the Pay Anyone transaction. I now have a formal police report ( Case # XXXX ) documenting this as an active fraud case. 

During one call to Chime about this issue, I could hear someone in the background laughing at me while I explained the fraud. This unprofessional conduct raises serious concerns about internal awareness or participation in the scam. Combined with the repeated denials, it suggests the possibility of internal fraud or a compromised employee. 

This is fraud-induced authorization, not valid authorization under Regulation E ( 12 CFR 1005.2 ( m ) ). My consent was obtained through misrepresentation, making this an unauthorized electronic fund transfer under 1005.11 ( a ) ( 1 ). The fact that the transfer came from my device does not change this.

I am requesting that Chime : 1. Classify this as an unauthorized transfer and refund my {$1100.00}.

2. Conduct a full internal fraud investigation, including reviewing the call with background laughter.

3. Provide CFPB with all internal investigation records, phone call recordings, and logs of employee access to my account.

4. Escalate this to CFPB supervisory review given the potential for insider involvement and repeated failure to meaningfully investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: MS

Complaint narrative:
XXXX XXXX XXXX Subject : Complaint Regarding Inaccurate Credit Reporting Account Number : XXXX Dear CFPB, I am submitting this complaint to formally dispute inaccurate and incomplete information reported on my credit file by a credit reporting agency and/or the furnisher of the data. The account in question is a credit card account with the number ending in XXXX, opened on XX/XX/XXXX. 

The following issues are of concern : XXXX. * * Contradictory Payment Information * * : The credit report lists my last payment date as XX/XX/XXXX, yet the payment history for XX/XX/XXXX is blank. This inconsistency misrepresents my payment behavior. 

XXXX. * * XXXX XXXX XXXX XXXX * * : The report shows a past due amount of {$120.00} as of XX/XX/XXXX. Given the monthly payment is {$28.00}, this implies multiple missed payments. However, the payment history does not clearly reflect consecutive missed months leading up to this amount. 

XXXX. * * Missing Account Terms * * : The Terms field is left blank. As this is a credit card account, the terms should reflect its revolving nature. 

XXXX. * * Missing Creditor Information * * : The fields for Company Sold and Original Creditor are blank. If the account has not been sold, this should be clarified with Not Applicable. 

I have attempted to resolve this matter with the credit reporting agency directly, but the inaccuracies remain. These errors may negatively impact my creditworthiness and financial standing. 

I respectfully request that the CFPB investigate this matter and ensure that the credit reporting agency and data furnisher comply with the Fair Credit Reporting Act ( FCRA ) by correcting or removing the inaccurate information. 

Attached are relevant documents supporting my claim. I appreciate your attention to this matter and look forward to a resolution. 

Sincerely, 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