vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-05 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: National Credit Adjusters, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX To Whom It May Concern, I am writing to formally dispute the accuracy and validity of certain accounts listed on my credit report under my name and Social Security number. This letter serves as a formal request under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, to investigate and remove any unverifiable or inaccurate information, and under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, to validate the alleged debts where applicable.

The following accounts are disputed : 1. Creditor : XXXX XXXX XXXX  Account Number : XXXX Amount : {$300.00} Dispute Reason : This account is marked as charged off. I request a reinvestigation of this listing. Please provide documentation to verify the accuracy, ownership, and complete payment history. If verification can not be provided, I request immediate removal.

2. Creditor : XXXXXXXX XXXX XXXX : {$790.00} Dispute Reason : This debt is disputed. Please provide full validation, including a copy of the original signed agreement, itemization of charges, and proof that you have the legal right to collect this debt.

3. Creditor : XXXX  XXXX Account Number : XXXX Amount : {$200.00} Dispute Reason : Please verify this account and provide supporting documents. If this account can not be fully verified in compliance with FCRA guidelines, I request it be deleted from my credit report.

4. Creditor : XXXX XXXX Account Number : XXXX Amount : {$610.00} Dispute Reason : I am disputing the accuracy of this account. Please validate the debt and provide proof of original account documentation.

5. Creditor : National Credit Adjusters Amount : {$500.00} Dispute Reason : This debt is in dispute. As required by the FDCPA, please send full validation, including the original creditors name, the original amount, and proof that this debt is legally enforceable.

Action Requested : 1. If you are a Credit Reporting Agency : Please conduct a reinvestigation of the items listed above under the FCRA 1681i and notify me of the results in writing. If you can not verify the information within 30 days, the items must be deleted.

2. If you are a Debt Collector : Under FDCPA 1692g, I formally request validation of the debts listed above. Until you validate the debts with proper documentation, you must cease all collection activities, including reporting this account to any credit bureau. 



Please treat this letter as a formal dispute and validation request. All communications must be in writing. I am keeping detailed records of all correspondence for my protection. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: NC

Complaint narrative:
I had a direct deposit for XXXX from my employer to my Chime account. I checked my account to see that. I went to sleep. A few hours later I checked my account again to unlock my card to make a payment and my money was gone. I had an unauthorized transfer to someone I didn't know at all. I had initially filed a dispute on XX/XX/year>. A few days later they denied my claim due to my not sending the proper documents. I was not aware of what documents that was needed due to not informing me while over the phone. They also had the wrong email address, so if they sent anything to the email I did not receive. They was able to reopen the claim. I had filed a police report and I sent it over to Chime. I had advised Chime that was apart of my rent money. Now they are messing with my livelihood

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This letter serves as a formal dispute of fraudulent accounts reported under my name. I did not authorize or create these accounts, and their reporting constitutes a clear violation of my rights and damages the accuracy of my credit file.

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 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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: NV

Complaint narrative:
I've contacted individually each hard inquiry company on my credit profile for Experian and also experience they refuse to make the correction. No success and to no avail I not getting any response from any of these companies includes XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all have submitted unauthorized credit check to extend credit as my score has improved unnecessarily in violation of FCRAUSC & 611 and Fair Debt compliance. I did not ask anyone in these companies to run my credit, DONE PRIOR TO DILIGENCE AND SENT DEMAND LETTERS FOR CEASE AND DESIST I've contacted them and they have refused to reply according to the consumer protection laws they have a fiduciary responsibility to reply AND REMOVE in a certain time frame I need these inquiries to be removed immediately it is deformation of my secure information they refuse to operate in accordance to consumer protection laws I need verification of the corrections here it's compromised my security detail and my credibility.

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 2025-09-05 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: DC

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

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 2025-09-05 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of
identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows :
INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$580.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$630.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$210.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-05 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
This is to serve as notice that Equifax was notified on 3 separate occasions that they have incorrect or illegal information on my credit report. If this is not resolved within 30 days I will proceed with litigation as Equifax has knowingly conducted irrefutable harm against me. This is information should not be on my report as I have instructed Equifax in the past that it is illegal. Please reference letters attached for all laws and information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: UPGRADE, INC.
State: NV

Complaint narrative:
I PAID ACCOUNT & THEY REPORT IT AS LATE ON MY CREDIT REPORT & I WAS DENIED A HOME LOAN. I EVEN SENT THEM PROOF OF PAYMENTS!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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:
RE : Formal Dispute & Request for Deletion/Correction FCRA I dispute information on my credit file that is inaccurate, misleading, outdated, or incomplete. Please conduct a reasonable reinvestigation as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.

1681e ( b ) and 1681i, and delete or correct the items listed below within 30 days. If you maintain any item, provide the method of verification and the name, address, and phone number of each furnisher you contacted, per 1681i ( a ) ( 6 ) ( B ) ( iii ).

A. Accounts with inaccurate/misleading derogatory coding 1 ) XXXX  XXXX ( Credit Card ) Account # ( mask ) : XXXX ( XXXX ) | XXXX ( TU ) Status shown : XXXX  displays Current, was past due 30 days.

Why inaccurate/misleading : My recent payment history reflects no late payments. Residual was late 30 coding without a verified, reportable delinquency is misleading under FCRA 1681e ( b ) and Saunders v.

BB & T ;, 526 F.3d 142 ( 4th Cir. 2008 ). If a late exists, furnish the exact DOFD and supporting records proving reportability under 1681c ( a ) ( 5 ) ; otherwise remove all derogatory/late remarks across all bureaus. 
Requested remedy : Update to Pays as agreed / Current and remove any late/derogatory notation.

2 ) XXXX XXXX XXXX XXXX XXXX ( student loan transfers ) Accounts # ( mask ) : XXXX ( XXXX  ; two entries ). TU reflects Indeterminate/Account closed due to transfer.

Why inaccurate/incomplete : Indeterminate is not a Metro 2 compliant performance status and is ambiguous, violating 1681e ( b ).

Requested remedy : Normalize to Closed/TransferredPaid as agreed. If the furnisher can not supply complete transfer documentation and payment history, delete the tradeline ( s ).

Treat this as a global dispute of any other derogatory code lacking complete, verifiable records ( contract, statements, ledger, DOFD ). Delete anything unverifiable per 1681i ( a ) ( 5 ) ( A ).

B. Hard inquiries lacking permissible purpose/ not tied to an open account XXXX XXXX XX/XX/XXXX No resulting account ; delete absent written authorization. 
XXXX  XX/XX/XXXX No resulting account ; delete absent written authorization. 
XXXX XXXX XX/XX/XXXX Existing XXXX card since XXXX ; if account review/CLI, it should be soft. Provide authorization or delete.

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 2025-09-05 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: FL

Complaint narrative:
TransUnion breach exposed my SSN/DOB. They refuse to honor FTC reports and left fraudulent XXXX XXXX  after flawed reinvestigation. Violates FCRA 605B, 1681i. 

On XX/XX/year>, TransUnion notified me that a cyber incident exposed my Social Security number and date of birth. This breach heightens my risk of identity theft and directly impacts my ongoing CFPB complaints ( Nos. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ). 

TransUnion can not dismiss my FTC Identity Theft Reports or demand duplicate ID documents while simultaneously acknowledging that it lost control of my SSN and DOB. This is unreasonable and compounds the harm I have already suffered. 

Separately, TransUnion issued Investigation Results on XX/XX/year> regarding my dispute of the XXXX account. They marked the account verified as accurate while updating multiple fields ( Maximum Delinquency, Rating, Historical Trended Data ). This proves the information they were reporting was not accurate to begin with, and yet the account remains. This is not a reasonable reinvestigation under FCRA 1681i.

Violations Failure to safeguard consumer identifiers.

Failure to conduct a reasonable reinvestigation of disputed information.

Misrepresentation of consumer rights under FCRA 605B.

Consumer Harm My SSN and DOB are compromised. Fraudulent tradelines and inquiries remain unblocked despite valid FTC reports. TransUnions actions prolong the damage to my credit and increase my exposure to fraud.

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 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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: CO

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-05 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: CO

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief