vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 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: SC

Complaint narrative:
I am submitting this complaint to formally dispute multiple inaccurate items currently being reported on my consumer credit reports. These items violate the Fair Credit Reporting Act ( FCRA ), which requires all reported information to be complete, accurate, and verifiable.

Despite prior disputes, the following accounts and inquiries continue to be reported inaccurately and without proper verification.

1. Charge-Off Accounts No Knowledge / Not Mine I have no knowledge of the following charge-off accounts, and they are not mine. These accounts are being reported without proper verification. Under FCRA 611 and 623, unverifiable accounts must be deleted or corrected. 

XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX | Collection I have no knowledge of this collection account. If it can not be fully verified with competent evidence, it must be deleted. 

XXXX. Late Payment Reporting Account History Is Incorrect The following accounts are inaccurately reporting late payments. I have never made a late payment on these accounts. The payment history being reported is factually incorrect and must be corrected, not deleted. 

XXXX XXXX XXXX XXXX XXXX High Balance : {$120.00} | Opened : XX/XX/XXXX | Late Payment XXXX XXXX XXXX XXXX XXXX  High Balance : {$610.00} | Opened : XX/XX/XXXX | Late Payment XXXX XXXX XXXX XXXX XXXX  High Balance : {$710.00} | Opened : XX/XX/XXXX | Late Payment XXXX XXXX XXXX XXXX XXXX  High Balance : {$710.00} | Opened : XX/XX/XXXX | Late Payment 4. Unauthorized Credit Inquiries The following inquiries were not authorized by me and do not reflect permissible purpose under FCRA 604. Unauthorized inquiries must be removed. 

XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX Request for CFPB Assistance I am requesting CFPB intervention to ensure : A full reinvestigation of each listed item Deletion of all unverifiable charge-off, collection, and inquiry items Correction of all inaccurately reported late payments Written confirmation of the actions taken These inaccuracies continue to appear without proper verification and directly violate the accuracy and reporting requirements of the FCRA. 

Thank you for your attention to this matter.

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 2025-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: MI

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2025-12-15 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: CA

Complaint narrative:
I am writing to dispute several accounts on my credit report that I believe are inaccurately reported. Below are the accounts in dispute, separated by credit bureau : Charged Off Accounts : XXXXXXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am disputing an unauthorized hard inquiry listed on my credit report. The inquiry from XXXX XXXX, dated XX/XX/2025, was not authorized by me, and I am requesting its immediate deletion. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, a credit reporting inquiry must have the consumer 's consent. As I did not authorize this inquiry, its presence on my credit report is a clear violation of my rights. 

I am requesting that the CFPB take prompt action to ensure this unauthorized inquiry is removed from my credit file and that my consumer rights are fully upheld. This error is damaging my credit report, and I demand it be corrected immediately. I have already filed an FTC complaint regarding this issue, and I am requesting that the CFPB take appropriate steps to resolve this matter in line with my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am victim of identity theft, in the process of buying a house ; I realize my identity was stolen and used to obtained credit cards. ( XXXXXXXX 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 XXXX XXXX XXXX} )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n \nExperian \nXXXX XXXX XXXX, TX XXXX\n\nSubject: Request to Block and Delete Fraudulent Accounts  Identity Theft Victim\n\nDear Experian Consumer Services,\n\nI am writing to formally request the blocking and deletion of fraudulent accounts and information related to my identity under the Fair Credit Reporting Act (FCRA), specifically pursuant to 15 U.S.C.  1681c-2(a). I am a victim of identity theft because of the Experian data breach, and unauthorized accounts have been fraudulently opened in my name.\n\nThe fraudulent accounts that I have identified on my credit report are as follows:\n\n1.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 XXXXn\nUnder 15 U.S.C.  1681c-2(a), I request that Experian promptly block and delete the fraudulent accounts from my credit file to prevent further harm to my credit profile.\n\nFurthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes.\n\nIf you require any further information or documentation to process this request, please contact me immediately at the phone number or email provided above.\n\nThank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate and free from fraudulent activity.\n \XXXX XXXX'

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a violationoffederallaw.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: LA

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 ] 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 con
sumers 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 2025-12-15 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: CT

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-15 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: CT

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
On XX/XX/year> I contacted Chase bank. I spoke to a rep regarding a {$2600.00} purchase I planned to make. I asked the rep to confirm that because I have never used their pay over time ( POT ) feature, that I would be eligible for a XXXX XXXX  interest and {$0.00} fee promotion. The rep confirmed that because I have never used POT, I would get the promotional rate for up to XXXX  months. Because of this, I decided to make the purchase on my card. Once the transaction posted, I attempted to set up POT. At this point, through the app and website I was told that I would have a {$35.00} per month fee added to the plan, which is not what I was told and which would add over {$840.00} to the total cost of the purchase. I escalated this with a supervisor who told me that I was not eligible for the promotion. I asked for an exact reason why and he was unable to answer. They have now refused to honor the promotion and have essentially stolen the additional {$840.00} this will cost as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I applied for a capital one platinum credit card on Friday XXXX XXXX. I was approved. XXXX  days later XXXX XXXX. I received an email stating my credit card account was closed. The later stated We are closing this account because Capital One has observed activity on one or more of your Capital One accounts that is inconsistent with typical customer account usage. 
Please stop using this account immediately and destroy any cards and checks associated with it. 
Also, you should update any recurring payments you have set up using this account, such as gym memberships, subscriptions to online streaming services, etc. 
You are still responsible for paying the full amount of any remaining account balance and you'll continue to receive billing statements until the balance reaches XXXX. 

I did not request a request and was in fact provided a virtual card until I receive the new one. I contacted capital one to ask what inconsistent activity was observed on my account, as I never used the card in the 2 days time span. They were unable to provide a reason. Now I have a hard inquiry and a closed account on my credit report with no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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:
I am submitting this complaint due to inaccurate and unverifiable information being reported on my consumer credit reports and the failure to correct these issues after multiple disputes.

Despite prior disputes and supporting documentation, several furnishers and/or credit reporting agencies continue to report late payments and personal information that I dispute as inaccurate. In addition, at least one item has been removed previously and later reappeared, raising concerns about improper reinsertion and the integrity of the reinvestigation process.

Disputed Late Payments ( Payment History Accuracy ) I dispute the accuracy and completeness of the following late payment reporting and request that the credit reporting agency ( ies ) and the furnishers provide documentation to support each late entry or remove it if it can not be fully substantiated 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  Late payment reporting XX/XX/XXXX XXXX ( Mortgage Servicer ) Acct : XXXX : Late payments reporting XX/XX/XXXX and XX/XX/XXXX XXXX XXXX Acct : XXXX : Late payment reporting XX/XX/XXXX For each disputed late payment month, I am requesting documentation including : billing statements showing the due date and amount due, and the payment history/ledger showing the date a payment was received and the date it was posted/applied ( including any suspense/unapplied funds on the mortgage account ).

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 2025-12-15 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: CA

Complaint narrative:
I dispute the following items on my Equifax credit report : Charged-Off AccountsXX/XX/XXXXXXXX Account XXXX Opened XX/XX/XXXX | Balance {$490.00} First XXXXXX/XX/XXXX Account XXXX Opened XX/XX/XXXX | Balance {$670.00} XXXXXX/XX/XXXXXXXX Account XXXX Opened XX/XX/XXXX | Balance {$1400.00} XXXX dispute the accuracy and completeness of these charged-off accounts. I am requesting verification of the original creditor relationship, complete payment history, accurate balance calculations, and authority to report. If Equifax can not provide full documentation verifying accuracy, these accounts should be deleted or corrected. 

XXXX XXXX inquiries are listed. Please confirm that no unauthorized or inaccurately reported inquiries exist on my Equifax file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my creditreport.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: MO

Complaint narrative:
Hi my name is XXXX XXXX I am having issues with my last check I just received. I was banking with chime. I received my direct deposit on Wednesday night/Thursday morning. Never had any issues before. Then all a sudden I got a notification saying my account was frozen due to suspicious activity. Which made no sense because I went through all my transactions and nothing was suspicious. However I was blocked from my funds. I contacted chime support and spoke with them. They swore my account was fine and that it was the system and that it would unlock itself within XXXX. During that XXXX I wouldnt have any access to my money. I told them that it was a huge inconvenience but fine Ill wait the XXXX. The time went by and my account was still locked. I called them again. They said yes my account was still frozen but to give it until Monday ( XX/XX/XXXX ) and if it was still locked to call them back. Last night XX/XX/XXXX I received an email out of nowhere saying that my chime account was permanently closed and to contact support. So I called them again. They told me that yes my account was permanently closed and that they couldnt tell me why which made no sense again and that my remaining balance ( my work check ) was gone basically and I wasnt eligible for a refund. At this point Im furious because none of this makes any sense and thats my whole work check right before XXXX. I kept asking to speak to supervisors and nobody could tell me anything but that my account was closed for good and my money was gone. So basically they just closed my account for no reason and stole all my money. Wont give me any explanation. I had {$300.00} + in that account when they closed it. And they refuse to release my money to me. This has to be illegal!! And another thing that upsets me is I called MULTIPLE times and spoke with MULTIPLE people it should all be recorded. And those people told me my account was safe and that there were no issues just a system issue. Then to wake up to an email out of nowhere saying my account is gone and when I call they say my money is gone too is crazy! I also posted about this on XXXX and it went viral and soooo many people commented and shared it saying chime stole from them before as well. They cant keep getting away with this!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: FL

Complaint narrative:
I have encountered difficulties accessing my Equifaxaccount 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 explanation