vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am sending this complaint in response to your current evaluation. I have to pursue my efforts to resolve this matter which require intentness to my personal credit report. I am frustrated and feel there is error that is still reported on my personal credit report which is not clearly stated as to the accuracy and completeness of the information. 

At this time, I solely seek the remedy to my personal credit report and dispute the remaining account to be REPAIRED. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00}

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 2025-05-26 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:
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 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit 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 non-monetary relief
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Subject : Follow-Up to Unresolved Credit Dispute Failure to Respond Within FCRA Timeframe Dear [ Transunion ], I am writing to follow up on my dispute submitted to you on [ original dispute date ] regarding the inaccurate information listed on my credit report. The disputed item is : Creditor Name XXXX Nature of Dispute : [ e.g., Incorrect late payment, account not mine, etc. ] According to the Fair Credit Reporting Act ( FCRA ), you are required to investigate and respond to disputes within 30 days. I have not received a response, nor has the item been updated or removed from my credit report. 

This lack of response is a violation of the FCRA. As such, I am formally requesting that the disputed item be immediately removed from my credit report as required by law. 

I have attached a copy of my original dispute, supporting documentation, and proof of mailing. 

If you do not resolve this matter within 15 days, I will file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action. 

Thank you for your prompt attention to this matter. 

Sincerely, [ 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 2025-05-26 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: NY

Complaint narrative:
Hello! I am requesting an immediate correction of the mentioned account. The three credit bureaus, obligated by federal law to promptly respond within the constitutionally prescribed time limit, have regrettably neglected their duty to address my letters. I am appealing to you to take swift action on this matter at your earliest convenience. Please correct the listed account above. Thank you. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4800.00} XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX 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 2025-05-26 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: FL

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 2025-05-26 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: FL

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 non-monetary relief
Consumer complaint received 2025-05-26 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: PA

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 2025-05-26 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: PA

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 non-monetary relief
Consumer complaint received 2025-05-26 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: NC

Complaint narrative:
I am writing to dispute an account reporting on my Equifax credit report that I believe is a result of identity theft. this item does not include the creditors, name, phone number or address, and I have no knowledge of ever opening such an account. In accordance with the fair credit reporting act, specifically 15 U.S. code 1681C 2, I am requesting the immediate removal of this fraudulent account from the credit file. This account is unverified and unverifiable, and may be the result of someone unlawfully using my identity. Please confirm in writing that this item has been removed or provide evidence that it is valid and was open by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am sending this complaint in response to your current evaluation. I have to pursue my efforts to resolve this matter which require intentness to my personal credit report. I am frustrated and feel there is error that is still reported on my personal credit report which is not clearly stated as to the accuracy and completeness of the information. 

At this time, I solely seek the remedy to my personal credit report and dispute the remaining account to be REPAIRED. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: NJ

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 2025-05-26 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:
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 non-monetary relief
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: FL

Complaint narrative:
Westlake financial is reporting on my credit for a car loan that was paid off in full by another car company. This item should no longer be on my report as it no longer belongs to me because the account was paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: FL

Complaint narrative:
As a result of my investigation on an extended hold place on a {$2000.00} transfer to my checking account, I received an email restricted the use of my checking account, i.e. limits on the number and amount that I could make on certain transfers, fee for transfer and what pay from and pay to [ financial institution ] transfers I could make. I do not have an issue with their new policy, but I request that this change be investigated to ensure whether these changes were isolated to me or to all depositors to ensure that this is not an unethical / unreasonable practice. I am not unhappy with Chime, but this sudden change on the use of my account does not seem right. However, if they have taken the position that they do not want my business. I need time to contact the State of Florida to have my pension funds deposited elsewhere before closure of the account to prevent a financial hardship on any disruption of my direct deposit of my pension funds to my Chime checking account.

This statement was not necessary : Please note the last statement on the email I received from them " If you choose not to accept the above updates to the Deposit Account Agreement, please contact Chime Member Services so that we may help you close your account. '' Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: MO

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 2025-05-26 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: DC

Complaint narrative:
Subject : Formal Dispute and Notice Unauthorized Use of Consumer Information under XXXX U.S.C. XXXX Dear TransUnion, I am writing to formally dispute the inclusion, use, or furnishing of my personal consumer information on your credit reporting databases. Under the Fair Credit Reporting Act ( XXXX  ), specifically XXXX U.S.C. XXXX ( b ), consumer reporting agencies are only permitted to collect, maintain, and disclose consumer information for permissible purposes, and with appropriate authorization. 
At no time have I provided you or any third party with my explicit, written permission to obtain, maintain, or distribute my consumer credit information. Furthermore, I have not initiated any transaction, application, or business dealing that would grant you a lawful basis to access or share my credit file. 
Therefore, I am asserting my rights under the FCRA and demanding that you : XXXX. Immediately cease the reporting, sharing, or furnishing of my personal credit information without my express consent. 
XXXX. Provide evidence of the legal basis and any verifiable proof of authorization that you rely on to maintain or distribute my credit information. 
XXXX. Remove any accounts, inquiries, or information that can not be verified as authorized by me, as required by XXXX U.S.C. XXXX. 
XXXX. Send a confirmation in writing of the actions taken in response to this letter within XXXX  days, as required by law. 
Failure to comply with this request constitutes a willful violation of the FCRA and may result in legal action being taken against your agency for damages, including but not limited to actual damages, punitive damages, and attorney 's fees, in accordance with XXXX U.S.C. XXXX and XXXX. 
I expect your timely response and resolution to this matter. Please direct all correspondence to the address listed above.

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 2025-05-26 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: DC

Complaint narrative:
Subject : Formal Dispute and Notice Unauthorized Use of Consumer Information under XXXX U.S.C. XXXX Dear TransUnion, I am writing to formally dispute the inclusion, use, or furnishing of my personal consumer information on your credit reporting databases. Under the Fair Credit Reporting Act ( XXXX  ), specifically XXXX U.S.C. XXXX ( b ), consumer reporting agencies are only permitted to collect, maintain, and disclose consumer information for permissible purposes, and with appropriate authorization. 
At no time have I provided you or any third party with my explicit, written permission to obtain, maintain, or distribute my consumer credit information. Furthermore, I have not initiated any transaction, application, or business dealing that would grant you a lawful basis to access or share my credit file. 
Therefore, I am asserting my rights under the FCRA and demanding that you : XXXX. Immediately cease the reporting, sharing, or furnishing of my personal credit information without my express consent. 
XXXX. Provide evidence of the legal basis and any verifiable proof of authorization that you rely on to maintain or distribute my credit information. 
XXXX. Remove any accounts, inquiries, or information that can not be verified as authorized by me, as required by XXXX U.S.C. XXXX. 
XXXX. Send a confirmation in writing of the actions taken in response to this letter within XXXX  days, as required by law. 
Failure to comply with this request constitutes a willful violation of the FCRA and may result in legal action being taken against your agency for damages, including but not limited to actual damages, punitive damages, and attorney 's fees, in accordance with XXXX U.S.C. XXXX and XXXX. 
I expect your timely response and resolution to this matter. Please direct all correspondence to the address listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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:
I am writing to formally request the immediate removal of fraudulent information from my credit file. I have recently become a victim of identity theft, and my credit report now reflects multiple unauthorized accounts and inquiries that I did not initiate or approve. These items are inaccurate and do not belong to me.

Pursuant to Section 605B of the Fair Credit Reporting Act ( FCRA ), I am requesting that you block and remove all unauthorized accounts and inquiries associated with this identity theft from my credit report.

Enclosed with this letter are the following supporting documents : A detailed list of the disputed accounts and inquiries A copy of my Identity Theft Report filed with the Federal Trade Commission ( FTC ) Please investigate these matters promptly and take all necessary steps to remove the fraudulent items from my credit file. I also request written confirmation once these corrections have been completed. 

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 explanation
Consumer complaint received 2025-05-26 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: DISCOVER BANK
State: NY

Complaint narrative:
This is in response to your request for more information related to my previous correspondence. Below is the information you requested to initiate your investigation ; DISCOVERBANK XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$21000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: MO

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 2025-05-26 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: MO

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 non-monetary relief
Consumer complaint received 2025-05-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: UT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah, XXXX XXXX XX/XX/year> XXXX Jefferson Capital Systems XXXX XXXX XXXX XXXX XXXX, MN, XXXX Re : Request for Debt Validation To Whom It May Concern, I am writing in response to a notice I received from your agency regarding a debt you claim I owe. Please be advised that this letter is not a refusal to pay, but a request for validation of the debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Pursuant to the FDCPA, I am requesting the following information : 1. The amount of the debt ; 2. The name of the creditor to whom the debt is currently owed ; 3. A detailed statement explaining how the amount was calculated ; 4. A copy of the original contract or agreement bearing my signature ; 5. Proof that your agency is licensed to collect debts in my state ; 6. The chain of custody or assignment from the original creditor to your agency ; 7. Any judgments ( if applicable ) associated with this debt.

Please cease all collection activities, including reporting to credit bureaus, until this debt has been properly validated. If you can not provide the requested documentation, please remove any record of this debt from your files and cease further communication.

This request is made in good faith and is intended to exercise my rights under federal law. Please respond within 30 days of your receipt of this letter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation