vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 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: SC

Complaint narrative:
I am submitting this complaint because Experian, Equifax, and TransUnion continue to report multiple inaccurate, outdated, and misleading late payment notations across several of my accounts, despite these accounts being completed, closed with {$0.00} balances, or currently tied up in final processing, and these errors violate the accuracy, reinvestigation, and correction requirements under FCRA 602, 611, 623 ( a ) ( 2 ), and 623 ( b ). After reviewing all three credit reports, I found that the same long sequence of late payment notations many of which do not align with my payment records remain on my XXXX XXXX XXXX XXXX XXXX account * *, opened XX/XX/XXXX, last active XX/XX/XXXX, and now at {$0.00}, which still shows multiple XXXX lates ( XXXX, XXXX, XXXX ), XXXX lates ( XX/XX/XXXX and XX/XX/XXXX ), and a XXXX late in XX/XX/XXXX, even though the account is closed and satisfied. The same problem appears on my closed XXXX  accounts, including XXXX XXXXXXXX XXXX XXXX ( opened XX/XX/XXXX, last active XX/XX/XXXX, balance {$0.00} ) * * which Experian, Equifax, and TransUnion are XXXX showing as late in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, even though the account was completed on time and finalized with a XXXX balance. Another account, XXXX XXXXXXXX XXXX XXXX XXXX opened XX/XX/XXXX, last active XXXX, balance {$0.00} ) XXXX XXXX  continues to reflect late XXXX entries in XX/XX/XXXX and XX/XX/XXXX, and a XXXX late in XX/XX/XXXX, despite being paid and officially closed. Additionally, the XXXX XXXX Federal accounts that are currently tied up in their final processing stages XXXX XXXX XXXX ( {$3400.00} ), XXXX XXXX XXXX ( {$2500.00} ), and XXXX XXXX  XXXX ( {$2800.00} ) are being reported with outdated or incomplete status information that does not reflect their current condition, which violates the furnishers obligation under FCRA 623 to provide timely and accurate updates. Because all three credit bureaus have failed to correct these issues after multiple disputes, the inaccurate late marks and inconsistent reporting continue to harm my credit profile, misrepresent my payment history, and violate multiple sections of the Fair Credit Reporting Act that require accuracy, fairness, complete investigations, and full corrections of disputed information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am submitting this complaint because Experian, Equifax, and TransUnion continue to report multiple inaccurate, outdated, and misleading late payment notations across several of my accounts, despite these accounts being completed, closed with {$0.00} balances, or currently tied up in final processing, and these errors violate the accuracy, reinvestigation, and correction requirements under FCRA 602, 611, 623 ( a ) ( 2 ), and 623 ( b ). After reviewing all three credit reports, I found that the same long sequence of late payment notations many of which do not align with my payment records remain on my XXXX XXXX XXXX XXXX XXXX account * *, opened XX/XX/XXXX, last active XX/XX/XXXX, and now at {$0.00}, which still shows multiple XXXX lates ( XXXX, XXXX, XXXX ), XXXX lates ( XX/XX/XXXX and XX/XX/XXXX ), and a XXXX late in XX/XX/XXXX, even though the account is closed and satisfied. The same problem appears on my closed XXXX  accounts, including XXXX XXXXXXXX XXXX XXXX ( opened XX/XX/XXXX, last active XX/XX/XXXX, balance {$0.00} ) * * which Experian, Equifax, and TransUnion are XXXX showing as late in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, even though the account was completed on time and finalized with a XXXX balance. Another account, XXXX XXXXXXXX XXXX XXXX XXXX opened XX/XX/XXXX, last active XXXX, balance {$0.00} ) XXXX XXXX  continues to reflect late XXXX entries in XX/XX/XXXX and XX/XX/XXXX, and a XXXX late in XX/XX/XXXX, despite being paid and officially closed. Additionally, the XXXX XXXX Federal accounts that are currently tied up in their final processing stages XXXX XXXX XXXX ( {$3400.00} ), XXXX XXXX XXXX ( {$2500.00} ), and XXXX XXXX  XXXX ( {$2800.00} ) are being reported with outdated or incomplete status information that does not reflect their current condition, which violates the furnishers obligation under FCRA 623 to provide timely and accurate updates. Because all three credit bureaus have failed to correct these issues after multiple disputes, the inaccurate late marks and inconsistent reporting continue to harm my credit profile, misrepresent my payment history, and violate multiple sections of the Fair Credit Reporting Act that require accuracy, fairness, complete investigations, and full corrections of disputed information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: CA

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from 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 2025-11-24 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 previously submitted a dispute under FCRA 611 ( 15 U.S.C. 1681i ) regarding multiple inaccurate or unverifiable items on my credit report, including incorrect personal information and several accounts that continue to be reported without proper verification. These items include XX/XX/XXXXas well as a number of inquiries such as XX/XX/XXXX and XX/XX/XXXX I requested a full reinvestigation of each account and inquiry, with removal of any information that could not be fully verified. These disputed items still appear on my credit report, and I have not received proper reinvestigation results, verification details, or an explanation from the credit bureau. This failure to correct or remove unverifiable information, combined with the lack of required notice, constitutes a violation of the FCRAs reinvestigation obligations.

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 2025-11-24 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: FL

Complaint narrative:
I previously submitted a dispute under FCRA 611 ( 15 U.S.C. 1681i ) regarding multiple inaccurate or unverifiable items on my credit report, including incorrect personal information and several accounts that continue to be reported without proper verification. These items include XX/XX/XXXXas well as a number of inquiries such as XX/XX/XXXX and XX/XX/XXXX I requested a full reinvestigation of each account and inquiry, with removal of any information that could not be fully verified. These disputed items still appear on my credit report, and I have not received proper reinvestigation results, verification details, or an explanation from the credit bureau. This failure to correct or remove unverifiable information, combined with the lack of required notice, constitutes a violation of the FCRAs reinvestigation obligations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I filed a dispute with Synchrony Bank for {$13000.00} paid to XXXX XXXX for a XXXX XXXX generator. The merchant installed the wrong generator ( XXXX ), removed all equipment, and left me with no generator. The merchant admitted selling my XXXX and issued a partial refund of {$5500.00}, which does not reflect the cost of the XXXX. I submitted full documentation multiple times, including text messages, invoices, photos, proof of partial refund, and emails confirming Synchrony received the documents. Despite this, Synchrony denied the dispute multiple times and mishandled the review. I request a supervisor-level review and reversal of the remaining {$8000.00} charge.

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 2025-11-24 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: VA

Complaint narrative:
My credit report contains an account I do not recognize, and unauthorized inquiry. These errors violate my rights under the FCRA because they do not reflect my identity or credit history. I never opened the chargeoff account, and did not authorize the inquiry. I am requesting immediate correction and removal under federal law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Balance : {$0.00} Chargeoff I have no knowledge of this account and I never opened it. A charge-off that does not belong to me violates FCRA 623 ( a ) ( 1 ) ( A ). If it can not be fully verified, it must be deleted. Laws : FCRA 602A, 607 ( b ), 609 ( a ) ( 1 ), 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 2 ), 611 ( a ) ( 5 ), 623 ( a ) ( 1 ) ( A ) XXXX XXXX XXXX- I did not authorize this inquiry. No permissible purpose exists. Laws : FCRA 602A, 604 ( a ) ( 2 ), 607 ( a ), 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 5 ) I am requesting immediate reinvestigation and removal of all inaccurate items listed above. These errors violate federal law and continue to harm me. I expect full correction and written confirmation in compliance with the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: WI

Complaint narrative:
Good morning, I have been banking with " chime '', which operates under the name The XXXX XXXX, XXXX. I had {$550.00} in my checking account, on XX/XX/XXXX someone was somehow able to login and access my account on the app and transferred all of my funds to a different account and stole all of my money. I submitted a claim with the banking service Claim id # XXXX Dispute type : Pay friends - Unauthorized transfer. Date error reported : XXXX. Claim amount - {$550.00}. I received an email on XX/XX/XXXX only a few days later and the team had concluded allegedly that there was no error and that my funds would not be returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this complaint regarding inaccurate, outdated, and unverifiable information on my credit reports from TransUnion, Experian, and Equifax. All three reports list incorrect addresses, including 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are reported with inaccurate balances or beyond permissible reporting periods, violating FCRA 605 ( a ) ( 4 ), 605 ( c ), and 623 ( a ) ( 1 ) ( A ). My reports also include a repossession with XXXX and multiple collection accounts, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and others, which are inaccurate, unverifiable, or misleading, violating FCRA 611, 623 ( a ) ( 1 ) ( A ), and FDCPA 807-809. Additionally, inquiries such as XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX, and others may be unauthorized or outdated, violating FCRA 604 ( a ) and 605 ( a ).

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 2025-11-24 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:
I am submitting this complaint regarding inaccurate, outdated, and unverifiable information on my credit reports from TransUnion, Experian, and Equifax. All three reports list incorrect addresses, including 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are reported with inaccurate balances or beyond permissible reporting periods, violating FCRA 605 ( a ) ( 4 ), 605 ( c ), and 623 ( a ) ( 1 ) ( A ). My reports also include a repossession with XXXX and multiple collection accounts, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and others, which are inaccurate, unverifiable, or misleading, violating FCRA 611, 623 ( a ) ( 1 ) ( A ), and FDCPA 807-809. Additionally, inquiries such as XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX, and others may be unauthorized or outdated, violating FCRA 604 ( a ) and 605 ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: AR

Complaint narrative:
I previously submitted a dispute under FCRA 611 ( 15 U.S.C. 1681i ) regarding multiple inaccurate and unverifiable items on my credit report, but these entries continue to be reported without proper correction or verification. The disputed items include late-closed and inaccurately reported accounts such as XXXX with a XXXX balance, XXXX XXXX with a balance of {$480.00}, XXXX XXXX with a balance of {$160.00}, XXXX XXXX  with a balance of {$3000.00}, XXXX with a XXXX balance, XXXX XXXX  with a balance of {$4500.00}, XXXX with a balance of {$2100.00}, XXXX with a balance of {$1200.00}, and XXXX XXXX with a balance of {$2400.00}, along with numerous inquiries and account entries including 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 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 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 and others that continue to appear without a proper reinvestigation response. Despite the protections under FCRA 609 ( a ) ( 1 ), 611 ( a ) ( 1 ) ( A ), and 607 ( b ), which require access to accurate data, a complete reinvestigation, and maximum possible accuracy, these items remain unresolved and improperly reported.

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 2025-11-24 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: AR

Complaint narrative:
I previously submitted a dispute under FCRA 611 ( 15 U.S.C. 1681i ) regarding multiple inaccurate and unverifiable items on my credit report, but these entries continue to be reported without proper correction or verification. The disputed items include late-closed and inaccurately reported accounts such as XXXX with a XXXX balance, XXXX XXXX with a balance of {$480.00}, XXXX XXXX with a balance of {$160.00}, XXXX XXXX  with a balance of {$3000.00}, XXXX with a XXXX balance, XXXX XXXX  with a balance of {$4500.00}, XXXX with a balance of {$2100.00}, XXXX with a balance of {$1200.00}, and XXXX XXXX with a balance of {$2400.00}, along with numerous inquiries and account entries including 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 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 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 and others that continue to appear without a proper reinvestigation response. Despite the protections under FCRA 609 ( a ) ( 1 ), 611 ( a ) ( 1 ) ( A ), and 607 ( b ), which require access to accurate data, a complete reinvestigation, and maximum possible accuracy, these items remain unresolved and improperly reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I am submitting to formally dispute and request correction of the inaccurate personal information currently listed on my credit report. After reviewing my credit file, I found that certain personal identifiers are incorrect or outdated. Please remove all inaccurate and unverifiable information, including any variations or misspellings of my name, old or incorrect addresses, and any other personal details that do not belong to me. Kindly update my credit file to reflect my true and current personal information as follows : Full Legal Name : XXXX XXXX XXXX Current Address : XXXX XXXX XXXX XXXX, AR XXXX Under the Fair Credit Reporting Act ( FCRA ) 611 [ 15 U.S.C. 1681i ], you are required to conduct a reasonable reinvestigation of disputed information and correct or delete any data that is found to be inaccurate, incomplete, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: Early Warning Services, LLC
State: AL

Complaint narrative:
Name : XXXX XXXX XXXX ID : XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. 


Thank you for your assistance. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation