vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
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 XXXX XXXX XXXX XXXXXXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency.

FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Dear Sir or Madam, I am disputing the following inquiries on my TransUnion credit report. These inquiries are either inaccurate or unauthorized, and I respectfully request that they be removed in compliance with the Fair Credit Reporting Act ( FCRA ). 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XX/XX/25

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am disputing the following items on my TransUnion credit report. Please ensure the accuracy of the listed accounts and balances. 

CHARGED OFF XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$240.00} I request full verification and supporting documentation to confirm the accuracy of this entry. 

XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$1100.00} Please provide verification and proof of the balance and charged-off status of this account. 

XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} I dispute the charged-off status and request validation of this entry. 

XXXXXXXX XXXX  Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$700.00} I request verification and correction of the reported balance and status. 

XXXXXXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$960.00} Please verify the balance and status of this account and provide supporting documentation. 

XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$2500.00} Kindly verify and update the status of this account as necessary. 

XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$480.00} Request verification and proof of this account 's charged-off status and balance. 

XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$490.00} Please confirm the accuracy of this account 's reported status and balance. 

XXXX Account Number : XXXX Date XXXX : XX/XX/XXXX Balance : {$120.00} Kindly verify the details of this account to ensure the balance and status are correct. 

INQUIRIES TRANSUNION XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXXXXXX XXXXXXXX Date : XX/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 non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Chime Financial Inc
State: VA

Complaint narrative:
I am filing a complaint against Chime for failing to resolve a duplicate debit that resulted from an error on their end. 

I made a repayment of {$52.00} on XX/XX/XXXX. Chime then reversed that repayment without explanation on XX/XX/XXXX and on XX/XX/XXXX they debited the same amount again. This caused a duplicate payment and a loss of funds. 

I contacted Chime Support multiple times and was told that nothing could be done, even though this was clearly a Chime processing error. I then requested to file a Regulation E dispute ( as required under 12 CFR 1005 ), but Chime has refused to investigate or return the funds.

I am requesting that Chime immediately investigate this duplicate transaction and return my money as required by federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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 am writing to dispute the following accounts reported on my Equifax credit report. I respectfully request that each of these items be reviewed for accuracy and corrected if necessary. If any information can not be verified, I request that it be removed from my credit report in compliance with the Fair Credit Reporting Act. 

Charged Off Accounts : XXXX XXXX XXXX Account # XXXX, Date Opened : XXXX, Balance : {$27000.00} XXXX XXXX, Account # XXXX, Date Opened : XXXX, Balance : {$2100.00} XXXX, Account # XXXX, Date Opened : XXXX, Balance : {$260.00} XXXX XXXX XXXX, Account XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$150.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Credit Network Inc
State: CA

Complaint narrative:
I have been trying to contact this company, financial company collection agency named FINANCIAL CREDIT NETWORK, for City Of XXXX and they have not answered the phone Im calling because they have attempted to attach a collection to my credit as of XX/XX/year>, I have spoke with XXXX XXXX XXXX department and they told me to reach out to the company to let them know that this is identity theft. I have already reported fraud/Identity theft on my credit I found in XX/XX/year>. All three credit bureau are doing the fraud investigation as of today I asked for them to initiate it because of identity theft I recently experienced. However, this account is not mine, and I called this company to let them know its not my account, I have already reached out to one of my credit companies, which is XXXX  creditor that had been stopped them in XX/XX/year>, from trying to attach to my credit now they have went over to XXXX  at this point it has become a form of harassment, I called to inform them and they will not answer the phone for me, so that I can let them know that this account they are attaching to my credit is not mine, for services I have no knowledge about.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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 request the removal of these fraudulent accounts from my credit report, as I never authorized their opening. Please rectify this error immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I request the removal of these fraudulent accounts from my credit report, as I never authorized their opening. Please rectify this error immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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:
Ive disputed this account numerous of times with both Experian and Equifax. Ive already provided proof of my identity. They continue to verify this an accurate late payments, and fraudulent account XXXX XXXX XXXX using there E Oscar service tied to address, Ive never resided at. They refuse to update my personal information which they have wrong on their file this causing me financial problems ive submitted numerous CFPB complaint better business complaints and nothing has been resolved. They continue to send me stall letters. instead of taking action and removing this account, this is my seventh time disputing this account my next step filing a civil lawsuit For damages

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This late payment on my account is inaccurate, given my consistent history of on-time payments. I request its removal and an update to my account to reflect the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Amsher Collection Services, Inc.
State: AL

Complaint narrative:
On my credit report. They stated I owed XXXX. For XXXX treatment for XXXX XXXX. 
They are a doctor or hospital. How do I owe them? They have already added it to my credit report without it being properly validated. This makes it hard to get loans and credit. 
This is a defamation of character.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Bread Financial Holdings, Inc.
State: AR

Complaint narrative:
I applied for a loan for the purchase of a piece of equipment with Bread Financial due to a 0 % interest rate. They sent a pre-qualification approval of up to {$10000.00}. The loan I was seeking was for {$3900.00}. I stepped through the actual application as part of the purchase check-out process. I received an email that I needed to call Bread Financial to provide more information for them to finalize the loan process. Unfortunately, at this point they had already run a hard credit check. I called them immediately and was told my application was flagged for Potential Fraudulent Activity. The CSR I spoke with asked for more personal information, placed me on hold, and then told me that he had removed the flag and added my loan application to the " whitelist ''. I was instructed to reapply. I asked if they would run a second hard credit check. I was told no. I reapplied for the loan through the check-out process and had the same result. I called this morning and spoke to a CSR, who instructed me to call Bread Financial 's verification process team. They needed a copy of my passport or other form of ID which I gave them. I was told they would mark my loan as verified and submit it to the loan processing team. Almost immediately, I received a rejection that the loan was denied due to Potential Fraudulent Activity. This is not true. I verified my identity with them three times. Every agent I spoke to was located in XXXX. The company claims to operate out of Ohio, but I think that is false. No state-side CSRs or supervisor 's were available to speak to me. They also became hostile and hateful when I asked to speak to a manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: CA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you review this entry? Its overdue and might have mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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:
I have requested since XX/XX/XXXX for XXXX to update my credit report balance. 
I have called in at least 4 times to XXXX. 
XXXX has opened TWO complaints internally about the credit report not being updated with the correct dollar balance. 

Today, XX/XX/XXXX, they submitted a new complaint because they pulled my report while on the phone and it is indeed still showing the wrong balance. 
So the rep said they have to submit a 3rd case. This is absolutely ridiculous!! 

Each time I have been told ALLOW 5 DAYS FOR THE AMOUNT TO BE UPDATED. 
It is now XX/XX/XXXX and the balance is still wrong on all reports. 
I called into chase again and spoke to the Supervisor by the name of XXXX to file a third complaint with XXXX Credit bureau escalations teams. 

I need my credit report to be updated immediately and chase has a responsibility to update the report every 30 days and they have not since XX/XX/XXXX. 

Please help because this is effecting my credit score based on the incorrect balance which is {$16.00}, XXXX not XXXX. 

I feel like XXXX actions are intentional because of the complaint I filed against them the first time with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: TX

Complaint narrative:
Im beyond frustrated with the continued presence of false, damaging information on my Equifax credit report. These aren't minor oversights or accidental typosthey are substantial and harmful misrepresentations that continue to sabotage my financial progress and personal stability. Ive gone through the formal dispute process in good faith, hoping the issues would be corrected responsibly, only to be met with silence and negligence. The failure to properly investigate and resolve these errors has left me feeling ignored, disrespected, and financially punished for mistakes I did not make. As a consumer, I have a legal right under the Fair Credit Reporting Act to a credit file that is completely accurate and substantiated by real, verifiable documentation. It is not my job to chase down proofIve done my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of human XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX TransUnion

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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 2025-11-06 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:
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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Outstanding Compliance Issues :

Company response to consumer: Closed with non-monetary relief