vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 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: IL

Complaint narrative:
impact of the Equifax XXXX XXXX XXXX Equifaxs systems were previously compromised in a widely reported data breach, Equifax has a heightened responsibility to ensure that consumer data is accurate, lawfully obtained, and properly matched. 
Continuing to report negative accounts and inquiries without competent, documentary evidence following that breach constitutes reckless disregard for consumer rights and undermines the reliability of my credit file.I have made multiple good-faith attempts to resolve these issues directly with Equifax through written disputes. Equifax has failed to act lawfully, leaving regulatory intervention as my only remaining option. 
Conclusion Equifaxs continued reporting of disputed, inaccurate, and unauthorized informationparticularly after a known data breachconstitutes ongoing violations of the Fair Credit Reporting Act. 
I respectfully request that the CFPB investigate Equifaxs conduct and require immediate corrective action What I Am Requesting I am requesting that Equifax be required to : Immediately delete all inaccurate and unverifiable tradelines listed above Delete the unauthorized XXXX inquiry dated XX/XX/year> Cease reporting any information that can not be verified with documentary proof Provide written confirmation of corrections and deletions Conduct reinvestigations that comply with federal law, not automated processes Harm Caused Equifaxs actions have caused : Ongoing damage to my credit profile Denial of credit opportunities Emotional distress Reputational and financial harm This harm is continuing due to Equifaxs refusal to comply with its legal obligations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

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 2025-12-16 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:
I am disputing the accuracy of the following accounts and inquiries on my Experian credit report. The accounts listed below appear to be inaccurate or incomplete, and I request that you investigate them thoroughly to ensure they comply with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$440.00} XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$530.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8900.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8900.00} Inquiries : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have dispute the account entry for XXXX who also does business as XXXX XXXX XXXX who is being sued and for which I am a party of and a claimant in the lawsuit. I have dispute this entry with TransUnion, Equifax and Experian and asked for the entry to be removed. XXXX and XXXX XXXX XXXX are being sued for predatory and decptive lending. The debt being reported is incorrect and has been dissoved via the lawsuit for which I am receiving a payment. This reporting is malicious retaliation.

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 2025-12-16 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: LA

Complaint narrative:
I am writing to dispute the following accounts on my credit report, which I believe are inaccurately reported. Below is a detailed breakdown of the accounts in question, separated by credit bureau. 

CHARGED OFF XXXXXXXX XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$3300.00} LATE PAYMENT XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX XXXX Balance : [ amount not specified ]

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 2025-12-16 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I ordered a back massager from XXXX online, order number XXXX. It was delivered on XX/XX/year>. The item was adveeretised as having a thirty day return window.

I tested the masager and found that it did not help my issue. I spent many hours over 10 or so days on phone calls and chats with XXXX XXXX attempting to return it. XXXX failled to give me the information necessary to effect the return. 

I contacted Barclay via phone and started a purchase dispute. I received a letter denying my case on about XX/XX/year>. I called and was told the case had been closed because they called me on XX/XX/XXXX and XXXX and got no anwser. 

My cell phone had no messages from Baraclays and no record of having received those calls.

Bottom line is my case was not investigated properly and
Barckays failed to follow thourgh on their promise to have a supevisor discuss their determination with me.

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 2025-12-16 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: TX

Complaint narrative:
After reviewing my credit report, I am concerned to see a late payment notation, even though I have never missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am filing this complaint against Equifax for failing to maintain accurate and non-duplicative personal identifying information in my consumer credit report. 

I disputed several addresses that do not belong to me and that I do not recognize. These addresses remain on my Equifax credit file despite my dispute. The continued reporting of incorrect addresses increases the likelihood of file contamination, misassociation of accounts, and improper disclosure of sensitive personal information.

Under FCRA 607 ( b ), Equifax is legally obligated to maintain maximum possible accuracy in the reporting of consumer information. Additionally, FCRA 609 and 611 grant me the right to dispute and correct inaccurate personal identifiers. 

Equifax has not demonstrated that the disputed addresses were independently verified as accurate. If Equifax can not provide competent verification, the information must be deleted. The failure to correct or remove this information constitutes noncompliance with the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: FL

Complaint narrative:
I am writing to file a dispute regarding inaccurate reporting on my credit report. Below are the details of the accounts in dispute across the three major credit bureaus : XXXX  ( XXXX ), XXXX  ( XXXX ), and TransUnion ( TU ). 

CHARGED OFF XXXX  XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$3000.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$2100.00} XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$1300.00} XXXX XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$5500.00} XXXXXXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$1700.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$1600.00} XXXX XXXX XXXX XXXX  {$300.00} XXXX, XXXX, XX/XX/XXXX, {$3900.00} XXXX, XXXX, XX/XX/XXXX, {$26000.00} XXXX XXXX XXXX XXXX XXXX5200.00} INQUIRIES XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX LATE PAYMENT : XXXX XXXXXXXX

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 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Chime Financial Inc
State: MI

Complaint narrative:
Initial Status : My credit score was previously at approximately XXXX Inaccurate Negative Reporting : Chime 's inaccurate reporting regarding outstanding credit/debt with other businesses/creditors caused a severe drop. The reporting failed to reflect my accurate financial standing, causing a massive initial " hit '' to my score. 
Calculated Impact : Based on my current score of XXXX compared to the previous XXXX, the total loss is XXXX points ( XXXX - XXXX ) The inaccurate reporting that caused the drop remains uncorrected. The partial update they executed only raised the score to XXXX, leaving it XXXX points below the prior XXXX level. Chime has failed to deliver on its promise to fully restore my credit score to XXXX following my payment of all obligations in XXXX,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: NC

Complaint narrative:
I am submitting this complaint as a consumer who is actively working to repair my credit. After reviewing my Equifax credit report, I noticed several inquiries that I do not recognize or do not recall authorizing. 

* * Inquiries in Dispute ( Equifax ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I am requesting Equifax to verify that each of these inquiries was made with a valid permissible purpose under the Fair Credit Reporting Act ( FCRA ). If Equifax is unable to confirm that I authorized these inquiries or that they were otherwise permissible, I am requesting that they be removed from my credit report. 

As a consumer attempting to improve my credit profile, I want to ensure that my report only reflects accurate and properly authorized information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: FL

Complaint narrative:
Dear Sir/Madam, I am a consumer who is currently working on improving my credit, and I would like to dispute the following items with your credit reporting agency. Please find the details of the accounts in dispute below, separated by each bureau : CHARGED OFF XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Balance : {$45000.00} Dispute Reason : The account is reported as charged-off, and I am seeking clarification and rectification of the reporting details. 

LATE PAYMENT XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Dispute Reason : Reported late payment on my account which I believe to be incorrect. Please review and update the payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rausch Sturm LLP
State: OK

Complaint narrative:
I was hacked in a data breach by XXXX. Several online loans were taken out in my name. I have been fighting this for YEARS! First somebody named upstart wanted money, then XXXX XXXX XXXX, then Legacy collections, NOW Rausch Sturm LLP, ALL over the same fake debt. It never stops, I try with each one, fill out mountains of paperwork, they sell it to somebody else and the whole mess starts again.

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 2025-12-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-12-16 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF XXXX  AND XXXX  LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may 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 non-monetary relief
Consumer complaint received 2025-12-16 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: AR

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Pay the debt to Wells Fargo and it is still showing on my credit report. They sent it to collections without notifying me while I was enrolled in a payment plan. I contacted the collection agency ask them if I paid this. Would this affect my credit report?, They said no when its paid they report to credit bureaus and remove all delinquencies. I pay the amount and it is still showing on my credit report as a charge off and that I owe a balance of {$3000.00}. I contacted Wells Fargo. They had no answers for me. Referred me to radius., I contacted radius. They told me they updated it with Wells Fargo and Wells Fargo should have removed the debt. I contacted Wells Fargo again and they told me to contact radius. I called on XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and they have still been giving me the runaround and just referring me to the opposite company. I was misled and now I can not get the correct answers I need.

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 2025-12-16 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: MA

Complaint narrative:
Dear Sir/Madam, I am writing to file a dispute regarding the inaccuracies on my credit report with your bureau. Below are the details of the accounts in question, categorized by bureau : Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment : XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/year>, I attempted to pay a bill to the merchant " XXXX XXXX '' ( Moroccan insurance ) using my Capital One Venture X card. The merchant 's portal indicated the transaction did not complete, and the charge sat as " Pending '' on my account. Because the merchant confirmed they did not receive the funds and the bill was overdue, I paid the debt via a local bank transfer on XX/XX/year>. 

On XX/XX/XXXX, XXXX days after I had already satisfied the debt via the local bankthe Capital One transaction unexpectedly posted to my account for {$350.00}. This resulted in a duplicate payment for the same service. 

I filed a dispute with Capital One on XX/XX/year>, clearly stating the reason as " Paid by Other Means. '' However, Capital One rejected my dispute on XX/XX/year>. It appears Capital One merely verified that the initial attempt was authorized, ignoring the critical evidence that the debt was subsequently paid by a different method ( cash/local bank transfer ) before the credit card charge posted. 

The merchant has confirmed they can not refund the card directly and instructed me to resolve this with my bank. I have attached the receipt for the local bank payment dated XX/XX/year>, which proves this debt was already satisfied. Capital One is currently holding me liable for a duplicate charge ( Visa Dispute Reason Code 12.6 - Paid by Other Means ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion states on report XXXX account XXXX as accurate and updated with the violations I have been reporting and they reuse to remove { 1 } open account { 2 } balance wrong was allegedly bought for pennies on a dollar, past due, original creditor account was securitized making the alleged creditor not the owner of alleged account { fraud } { this account was charged off according to the IRS this is income and can not be reported on consumer report } I request that the CFPB impose monetary fines in this case it has damaged my ability to get a consumer loan, I know that the CFPB can impose the fines for damages Please respond through the CFPB

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 2025-12-16 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: TX

Complaint narrative:
I have no link to the accounts mentioned and never approved their setup. Please investigate and take them off my record. Documentation is provided.

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