vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-14 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:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-14 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:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: MS

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 non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: MI

Complaint narrative:
I have an active Chime checking account. I heard about the CFPB settlement involving Chimes delays in refunding customer funds after account closures. My account is still open, but I want to confirm whether I was affected or am owed any redress under that settlement. I also want to ensure my account balance and deposits are being handled correctly and that there are no pending refund issues. Please review my account and provide a clear response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: MD

Complaint narrative:
I'm writing to communicate my anxiety in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

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 2025-10-14 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXX XXXX - XX/XX/year>XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: NJ

Complaint narrative:
Dear XXXX XXXX XXXX, This letter serves as a formal dispute and demand for deletion under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., regarding inaccurate and unverifiable derogatory information being furnished by XXXX XXXX  XXXX. 
Despite more than a year of repeated written requests and regulatory complaints, XXXX has failed to provide any verifiable documentation demonstrating compliance with the following federal statutes that govern credit reporting and billing accuracy : XXXX. 15 U.S.C. 1666b Timing of Payments XXXX has not provided proof that any billing statement was delivered at least XXXX  days before each alleged due date. Without such evidence ( such as mailing confirmation, postmark, or electronic delivery records ), no lawful basis exists to report a payment as late. 
XXXX. 15 U.S.C. 1637 ( b ) Billing Statement Disclosure Requirements XXXX has not proven that any periodic statement was actually delivered, or that those statements contained all required disclosures ( annual percentage rates, due dates, balances, and fees ). Failure to meet this requirement invalidates any subsequent late classification. 
XXXX. 15 U.S.C. 1681s2 ( a ) ( 7 ) Notice of Negative Reporting XXXX has not produced evidence that it sent written notice within XXXX  days of furnishing negative information to your bureau, as required by 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 2025-10-14 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: NJ

Complaint narrative:
Dear XXXX XXXX XXXX, This letter serves as a formal dispute and demand for deletion under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., regarding inaccurate and unverifiable derogatory information being furnished by XXXX XXXX  XXXX. 
Despite more than a year of repeated written requests and regulatory complaints, XXXX has failed to provide any verifiable documentation demonstrating compliance with the following federal statutes that govern credit reporting and billing accuracy : XXXX. 15 U.S.C. 1666b Timing of Payments XXXX has not provided proof that any billing statement was delivered at least XXXX  days before each alleged due date. Without such evidence ( such as mailing confirmation, postmark, or electronic delivery records ), no lawful basis exists to report a payment as late. 
XXXX. 15 U.S.C. 1637 ( b ) Billing Statement Disclosure Requirements XXXX has not proven that any periodic statement was actually delivered, or that those statements contained all required disclosures ( annual percentage rates, due dates, balances, and fees ). Failure to meet this requirement invalidates any subsequent late classification. 
XXXX. 15 U.S.C. 1681s2 ( a ) ( 7 ) Notice of Negative Reporting XXXX has not produced evidence that it sent written notice within XXXX  days of furnishing negative information to your bureau, as required by 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 2025-10-14 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 filing this complaint to dispute inaccurate or unauthorized information appearing on my TransUnion ( TU ) credit report. I have identified inquiries that I do not recognize or recall authorizing, which appear to have been made without my explicit consent. 
These inquiries are negatively affecting my credit score and are likely the result of unauthorized access to my credit profile. Despite my efforts to have these inquiries validated or removed, TransUnion and the entities involved have failed to take appropriate corrective action. 

This complaint is submitted under my rights pursuant to the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). 

Unauthorized Credit Inquiries XXXX. XXXX XXXX Inquiry Date : XX/XX/year> I did not authorize XXXX XXXX to access my credit file. No recent credit application or financing request was submitted to this institution. This inquiry constitutes unauthorized access under FCRA XXXX ( a ). 

XXXX. XXXX XXXX Auto ( XXXX ) Inquiry Date : XX/XX/year> I did not consent to any credit application, vehicle financing, or loan with XXXX XXXX XXXX. This inquiry appears to be made without permissible purpose as defined under FCRA 604. 

These unauthorized inquiries suggest potential mishandling or unauthorized access of my personal data, and they have caused a negative impact on my credit rating and future creditworthiness.

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 2025-10-14 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: AVANTE
State: TX

Complaint narrative:
I received a call from phone number XXXX ( XXXX ) XXXX I answer the phone a woman asked by name for someone I asked who is calling and the agent immediately when to saying personal details like date of birth address without verifying she was speaking to the correct person I stopped the agent and asked why is she giving me someones personal information she said I asked for the person and I said and I asked you what the call was regarding I have not confirmed I am the person youre asking to speak to before you start providing personal information the agent became hostile I told the agent I will be filing a complaint due to breach of securing consumer personal data via telephone she remained hostile so I disconnected call

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXXXXXX 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 explanation
Consumer complaint received 2025-10-14 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: Chime Financial Inc
State: MS

Complaint narrative:
Contacted Chime for stopping unauthorized transactions from XXXX and XXXX two times and was not stop and refunded

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: WA

Complaint narrative:
I respectfully dispute entries connected with accounts I never created. Please conduct a meticulous investigation and delete them. Supporting materials are 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
Consumer complaint received 2025-10-14 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: MS

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ) 607 ( b ), 15 U.S.C. 1681e ( b ), credit reporting agencies and furnishers of information are required to follow reasonable procedures to assure maximum possible accuracy of the information they report. The information currently being reported is inaccurate and misleading for the following reasons : Basis for Dispute XXXX. XXXX. XXXX. XXXX. The account is reported as a charge-off that was sold or transferred to another lender or collection agency. 
I have not received a Form XXXX from your company, as required by the Internal Revenue Service XXXX IRS ) when a debt has been canceled, forgiven, or transferred. 
If this account has been sold or transferred, your company no longer owns or services the debt and therefore can not legally continue reporting it as active or collectible. 
Continuing to report this account as a charge-off while it has been sold or transferred constitutes false and unverifiable information, violating the accuracy and compliance procedures required under 15 U.S.C. 1681e ( b ) and the duty to reinvestigate under 1681i ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: NY

Complaint narrative:
I am writing to dispute the inaccurate information on my credit report acquired by Experian. This letter is for the purpose to invoke my rights under the Fair Credit Reporting Act ( FCRA ) 15USC 1681i, which obligates you to provide me with the procedures you used to verify the information on my credit report. If you can not verify the accuracy of the disputed items, they must be deleted from my credit report right away.

Additionally, under the Gramm-Leach-Bliley Act ( 15 USC 6802 ) I have an essential right to privacy regarding my financial information. Also. 15 USC 1681 ( 4 ) under the FCRA highlights the importance of maintaining the accuracy and privacy of consumer credit information.

No permissible purpose, as shown in 15 USC 1
681b ( 2 ), has been established for Experian to maintain a credit report on my behalf.

Experian has neither my permission nor a valid permissible purpose to supply a credit report containing my personal information.

The absence of such permissible purpose makes the presence of this information a violation of my privacy rights.

Additionally, 18 USC 1028a addresses identity theft and its associated penalties, highlighting that identity theft is a serious crime.

The unauthorized acquisition and use of my personal information is a criminal act and violates principles of privacy and consumer protection.

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 2025-10-14 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I am submitting this formal complaint regarding the improper closure of my credit account following an accidental consumer report. This complaint is being filed pursuant to my rights under federal consumer protection laws and is being sent directly to your company for immediate resolution. 

INCIDENT DETAILS : On XX/XX/year>, I accidentally reported the account as charge off, regarding my account with your company. This was a genuine consumer error made without any intent to mislead or defraud. Following this accidental report, your company immediately closed my account without allowing me reasonable opportunity to clarify the mistake or correct the error. 
VIOLATIONS IDENTIFIED : Your company 's actions violate the following federal consumer protection statutes : Truth in Lending Act ( TILA ) - Failure to provide proper notice before account closure Equal Credit Opportunity Act ( ECOA ) - Failure to consider my creditworthiness and account history Fair Credit Billing Act ( FCBA ) - Improper handling of consumer communications Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) - Unfair treatment of consumer error Your company failed to follow proper verification procedures and did not provide adequate opportunity for correction before taking adverse action against my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
DEAR LVNV FUNDING LLC : I noticed about XXXX accounts under my personal names that i'm not aware of, fraudulent and not mine or responsible. I am formally disputing the accuracy, validity, and completeness of the above-referenced account, which has been reported to the credit bureaus and attributed to me. I have no verified relationship with your company or any other original creditor you listed, and I was never provided proper notice of this alleged debt. 
Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I demand full validation of this account. Specifically, I request the following documentation : * Original Credit Agreement ( the contract I allegedly signed, if applicable ) * Full Itemized Statement ( showing how the balance was calculated ) * Forward Flow Agreement ( proving debt transfer from original creditor ) * Chain of Title / Assignment Documents ( showing legal transfer of ownership ) * Complete Payment History Records ( verifying payments or delinquencies ) * Validation Notice ( per FDCPA 1692g ) * Notice of Default / Intent to Collect ( as required by law ) * Proof of Statute of Limitations ( confirming debt is legally collectible ) * Credit Reporting Agreement ( authorizing reporting to bureaus ) * Documentation of Prior Dispute Investigations ( per FCRA 1681i ) To date, I have not received these required documents. Instead, I have only been sent generic, automated responses that do not constitute lawful validation. Therefore, the account remains unverified and legally unenforceable. 
Continuing to report or collect on an unverifiable account violates FCRA 1681e ( b ) and 1681s-2 ( b ) as well as FDCPA 1692g ( b ). Courts including XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX confirm that unverifiable or misleading data can not lawfully remain on a consumers credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: LEXISNEXIS
State: IL

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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 item stands in contradiction to my payment practices and appears to have been reported in error. I request its prompt removal.

Company response to consumer: Closed with non-monetary relief