vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 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: AL

Complaint narrative:
To Whom It May Concern at CFPB, I am submitting this formal complaint regarding several inaccurate and harmful entries currently present on my credit report, which are continuing to negatively affect my financial life, despite my efforts to resolve the matter. These accounts are being reported with errors that violate my rights under the Fair Credit Reporting Act ( FCRA ). This is my second attempt to raise these issues, and I respectfully request urgent investigation and resolution. 
Hard Inquiry XXXX XXXX XXXX Date : XX/XX/year> Issue : This hard inquiry was done without my authorization or permissible purpose as required by federal law. I did not apply for credit with XXXX XXXX on or around this date. This constitutes a violation of my consumer rights. 
Law Violated : FCRA Section 604 ( 15 U.S. Code 1681b ) Permissible purposes for consumer reports. 
FCRA Section 616 & 617 Civil liability for willful and negligent noncompliance.

Personal Impact ( Story ) : This
unauthorized inquiry has dropped my credit score by several points. I have no business relationship or initiated credit application with XXXX XXXX, making this a clear violation of FCRA. Repeated violations like this are deeply disturbing and must be addressed. 
Requested Resolution : 1. Immediate deletion of the late payment notations on both XXXX accounts. 
2. Removal of the unauthorized XXXX XXXXXXXX NA inquiry from my credit file. 
3. Written confirmation from the bureaus and the furnishers showing the corrections made.

4. A full, updated credit report reflecting the accurate changes. 
Conclusion : I am a responsible consumer, and I expect my credit report to reflect accurate, verifiable, and up-to-date information. These errors are unjust and harmful, and I request your urgent intervention in investigating and resolving this matter under the law. This is my second formal effort after no satisfactory resolution in the past. 
Thank you for your time and assistance.

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 2025-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CrediautoUSA Financial Company LLC
State: FL

Complaint narrative:
On XX/XX/year>, I contacted XXXX XXXX after noticing a charge-off listed on my credit report in the amount of {$640.00}. 

I reached out to the company to request clarification and validation of the account. However, [ insert what happenede.g., I did not receive a response, they did not provide any documentation, or the explanation was unclear ]. 

I believe this charge-off is inaccurate/unfair because [ choose one or explaine.g., I already paid the account, I never received notice of the charge-off, the amount is incorrect, the account was in dispute, etc. ]. 

I am requesting that XXXX XXXX [ remove or update the account to reflect the correct status, provide full documentation, or correct the reporting if inaccurate ].

Company response to consumer: Untimely response
Consumer complaint received 2025-07-16 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:
Dear Transunion, My name is XXXX XXXX and I'm Begging for your help, I'm NOT A COMPANY! 
To get things moving, you should have more than enough time to remove these inaccurate accounts from my credit, stop ignoring my disputes I need real help!! I request to remove any/all inaccurate information from my credit report as quickly as possible. The items in question are : XXXX. XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$1100.00} ( Paid charge-off ), {$260.00} ( Still showing as charged off ) Complaint : This account is reported with multiple entries under TransUnion and is marked as both paid and charged off. I have never been provided with a copy of the original contract or the payment breakdown. This violates FCRA 609 ( lack of documentation ), FCRA 611 ( unverified or outdated information ), and FDCPA 809 ( no validation of debt ). I dispute this account and request deletion unless it can be fully validated. 
XXXXXXXX XXXX XXXXXXXX / XXXX XXXX XXXX Account # : XXXX XXXX  Balance : {$830.00} Complaint : This is a medical collection showing as " open '' with no signed consent, no billing breakdown, or XXXX XXXX. This violates FCRA 609, 611 and FDCPA 809. The collector failed to provide validation or notify me of my rights before reporting the debt to TransUnion. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # : XXXXXXXX XXXX  Balance : {$520.00} Complaint : This debt is listed as placed for collection with no documentation or medical bill shown. This account was never validated under FDCPA 809, and no HIPAA-compliant consent was provided. It violates FCRA 609 and 611. 
XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account # : XXXX XXXX Balance : {$1700.00} Complaint : Another medical collection with no documentation, no proof of assignment, and no validation notice ever sent. Continued reporting to TransUnion violates FCRA 611 and FDCPA 809. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX  Balance : {$280.00} Complaint : This debt appears with no signed documentation or proof of policy ownership. XXXX has not validated this debt under FDCPA 809 and it remains derogatory with no reinvestigation ( FCRA 611 ). I request full deletion or complete validation.

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 2025-07-16 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: GA

Complaint narrative:
There are several in accuracies on my report that needs attention the investigation did not fix

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 2025-07-16 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:
There are several in accuracies on my report that needs attention the investigation did not fix

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: GA

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

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 2025-07-16 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: TX

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Chime Financial Inc
State: NY

Complaint narrative:
I dont remember XXXX XXXX  coosed my accounts for months they didnt give me my refunds they closed my account for no reason

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: TN

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$530.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4400.00} XXXX XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$26000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$9300.00} XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} XXXX XXXX CRED U - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$8200.00} XXXX  XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX  XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4500.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$40000.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$45000.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ALLY XXXX Date : XXXX XXXXXXXXXXXX XXXX XXXXXXXX Date : XXXX XXXX XX/XX/XXXX Date : XXXX XXXX XX/XX/XXXX Date : XXXX XXXX XXXX XX/XX/XXXX Date : XXXX XXXX XXXX XX/XX/XXXX Date : XXXX XXXX XX/XX/XXXX Date :

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 2025-07-16 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: TX

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investegate thus and fix it. I'm really sick and tired of these XXXX. Should there be any updates on my inquiries, I'm gon na go to court

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 2025-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: GOLDMAN SACHS BANK USA
State: IN

Complaint narrative:
APPLE CARD/XXXX BANK USA Account number XXXX Original creditor- Company sold- Account type Credit card Date opened XX/XX/XXXX Open/closed Closed Status Account charged off. {$370.00} written off. {$370.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$370.00} Balance updated XX/XX/XXXX Credit limit XXXX XXXX  Monthly payment- Last Payment Date XX/XX/XXXX Past due amount {$370.00} Highest balance {$390.00} Terms- Responsibility Individual

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: NV

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-16 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: NV

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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:
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 ] Account Number : [ XXXX ] Creditor Name : XXXX XXXX XXXX XXXX  ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK
State: CA

Complaint narrative:
My personal information had been stolen and used without my consent. I requested DISCOVER to send me proof of how this account was obtained such as application. DISCOVER failed to comply with this request. They sent me a basic letter with little to no proof on their letterhead.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: NM

Complaint narrative:
I have encountered difficulties accessing my EQUIFAX 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 non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company 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 2025-07-16 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XXXX XXXX I used XXXX through my Chase checking account to purchase tickets for a XXXX concert. I transferred a total amount of {$380.00} to an individual I believed to be a legitimate seller. After attempting to use the tickets at the event, I discovered that the tickets were fraudulent and already in use.I immediately contacted Chase customer support on XXXX XXXX to report the situation and request assistance in recovering the funds.Ive called on numerous times throughout the day due to Chase system being down. Later I was informed by the representative that because the transaction was processed through XXXX, they could not assist me in reversing the payment or recovering my money. No further solutions or alternatives were provided to help resolve the issue.I would like to request further investigation into this matter, as I feel that the payment system ( XXXX ) was not secure, and I did not receive the proper protection for my transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: GA

Complaint narrative:
I deny any association with these creditors, and I did not initiate this inquiry. Please remove it from my credit report as soon as possible.

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 2025-07-16 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: VA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3600.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$17000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5200.00} INQUIRIES : 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