vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-27 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: MO

Complaint narrative:
Dear Sir/Madam, I am a consumer attempting to rectify my credit report and have identified several discrepancies that I request to be investigated and corrected. Below are the details of the accounts in dispute : Charged Off Accounts : XXXX  XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$960.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$120.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$210.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$930.00} XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} Late Payments XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : 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 2025-11-27 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: GA

Complaint narrative:
I am filing this complaint because Equifax is currently reporting several accounts as charged off and also showing credit inquiries that I believe are inaccurate, incomplete, or unauthorized. These inaccuracies are negatively affecting my credit profile and I am requesting a full investigation and correction. 

Accounts in Dispute : XXXX  ( Acct # XXXX ) Reported on XX/XX/XXXX with a balance of {$23000.00}. 
I do not have any verified or valid debt with this company. I have never received any written validation or original creditor documentation supporting this entry. It appears to have been added without proper verification. 

XXXX XXXX XXXX  ( Acct # XXXX ) Reported on XX/XX/XXXX with a balance of {$0.00}. 
This account should not be listed as a charge-off because it was previously resolved. There should be no delinquent or charged-off status showing on my credit file. 

XXXX XXXX XXXX ( Acct # XXXX ) Reported on XX/XX/XXXX with a balance of {$0.00}. 
This reporting is inaccurate, as the balance is not consistent with what was provided by the creditor, and I have not received any documentation to verify the legitimacy of this entry. 

Inquiries in Dispute : XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX These inquiries appear to have been made without my explicit authorization or any application for credit at those dates. Under the Fair Credit Reporting Act ( FCRA ) 604, a consumer reporting agency may only release a consumers file for permissible purposes. I do not recall giving permission to these entities to pull my credit, and I request written proof of such authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: MN

Complaint narrative:
This is a formal notice that I dispute the validity of the alleged Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide full validation of this debt, including but not limited to : The name and address of the original creditor A complete itemization of the debt A copy of the contract, agreement, or other evidence bearing my signature Proof that you have the legal right to collect this debt A full accounting of all charges, fees, and interest Until these documents are provided, you must cease all collection activities, including reporting or verifying this debt to any credit reporting agency. Additionally, under 15 U.S.C. 1692c ( c ), I formally request that you cease further communication with me regarding this matter except as allowed by law ( e.g., to confirm you will stop contacting me or to notify me of specific legal actions you intend to take ) .Please note : Any further attempts to contact me outside the FDCPA guidelines may constitute a violation.Any attempt to sell, transfer, or assign this disputed debt to another collector without resolving my dispute will also be considered a violation. 
If you have already reported this account to any credit bureau, you are required to mark it as disputed.I expect your response within the time allowed by law. Failure to provide proper validation will require that you immediately cease all collection activities and correct any related credit reporting. 
Thank you for your cooperation.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: NC

Complaint narrative:
I am requesting a dispute investigation for the following charged-off account and inquiries on my TransUnion credit report. Please verify the accuracy of the listed items and make any necessary corrections. 

Charged-Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$0.00} Late Payment : XXXX Account Number : 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 2025-11-27 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: NJ

Complaint narrative:
I am writing to dispute inaccurate and outdated information on my credit report that is currently being reported by the XXXX XXXX  credit bureaus ( XXXX, XXXX, and TransUnion ). Below are the details of the accounts I am disputing. Please ensure these accounts are reviewed and corrected in accordance with the Fair Credit Reporting Act ( FCRA ). If any of the information can not be verified, I request that it be removed from my credit report. 

Charged Off Accounts XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3200.00} Late Payments XXXX  XXXX Account Number : XXXX XXXX XXXX  Account Number : 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 2025-11-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Chime Financial Inc
State: CA

Complaint narrative:
I am a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I experienced unauthorized XXXX charges on my Chime account totaling {$180.00}. 
I contacted Chime through their support chat to dispute these transactions. I requested an XXXX accommodation because I am XXXX XXXX XXXX XXXX XXXX XXXX 

Chime confirmed in writing that they can not process my dispute in any non-phone method, even with my XXXX request. They stated that the ONLY way to dispute unauthorized transactions is by phone, which I can not use. 

This prevents me from accessing essential banking services and prevents me from disputing fraudulent charges. I am requesting CFPB assistance to require Chime to provide an accessible, non-phone method to file my dispute. 

I have screenshots showing Chime confirming they can not accommodate my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: NC

Complaint narrative:
I am also disputing the same charged-off accounts with Experian, as they are being reported with inconsistent or unverifiable information. 

Accounts in Dispute : XXXX  XXXX XXXX Account No. XXXX, Opened XX/XX/XXXX, XXXX {$8000.00} XXXX  XXXX Account XXXX. XXXX, Opened XX/XX/XXXX, Balance {$11000.00} XXXX XXXX Account XXXX. XXXX, Opened XX/XX/XXXX, Balance {$8900.00} Statement : These accounts are being reported as charged off, but I have not received verification that the balances, account status, or ownership details are accurate. I am asking Experian to provide documentation verifying these accounts or remove them if they can not be verified.

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 2025-11-27 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:
Kindly go over the documents ; these inquiries came unannounced and could be unapproved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: MO

Complaint narrative:
Dear Sir/Madam, I am a consumer attempting to rectify my credit report and have identified several discrepancies that I request to be investigated and corrected. Below are the details of the accounts in dispute : Charged Off Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3200.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$930.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$810.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} Late Payments XXXX  XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: AL

Complaint narrative:
I am submitting this dispute regarding discrepancies in my credit report. The following are the accounts, inquiries, and late payments I am disputing, separated by each credit bureau. I request a thorough investigation and correction of these items according to the Fair Credit Reporting Act ( FCRA ). 

Charged-Off Accounts : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/year> Balance : {$1000.00} XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$600.00} Late Payment : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: CA

Complaint narrative:
My accounts were always on time! I have a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported. 

I demand the late payment reported to be updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: WI

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 2025-11-27 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: GA

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding multiple accounts reported incorrectly or inaccurately on my credit report. Below, I have listed the specific accounts that I am disputing, categorized by bureau ( XXXX Experian, XXXX  ). I request that you investigate these accounts and correct or remove any inaccurate entries to ensure compliance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : No accounts in dispute under this category. 

Inquiries : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: VA

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center. 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 2025-11-27 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: NJ

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 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 2025-11-27 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: FL

Complaint narrative:
I am writing to dispute the following inquiries on my credit report. The inquiries listed below were either unauthorized or inaccurately reported. I respectfully request that these inquiries be removed or corrected in accordance with the Fair Credit Reporting Act ( FCRA ). Below are the details for each bureau. 

INQUIRIES XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-11-27 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: NV

Complaint narrative:
I am disputing several charged-off accounts listed on my Equifax credit report. I request that Equifax thoroughly investigate these items and make the necessary corrections or removals if these items can not be verified. 

Charged Off : XXXX XXXX XXXX  Account No : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX  XXXX, Account No : XXXX, Date Opened : XX/XX/XXXX, Balance : {$6500.00} XXXX XXXX XXXX Account No : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX XXXX Account No : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX XXXX Account No : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX XXXX XXXX XXXX Account No : XXXX, Date Opened : XX/XX/XXXX, Balance : {$940.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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 Systems,Inc.
State: NC

Complaint narrative:
This letter serves as a formal notice and demand under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) regarding inaccurate, incomplete, or unverified information appearing on my credit report.

Specifically, I dispute the accuracy and validity of the following account ( s ) : Pursuant to 15 U.S.C. 1681i ( a ) of the FCRA, I am formally requesting that you conduct a reinvestigation of this disputed information, and that you provide me with a detailed description of the procedures used in your investigation ( as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) ) within fifteen ( 15 ) days of completing your reinvestigation.

Furthermore, under 15 U.S.C. 1692g ( b ) of the FDCPA, I am requesting that the furnishing party ( if applicable ) provide competent evidence of the alleged debt, including but not limited to : A copy of the original contract or agreement bearing my signature A full itemization of the alleged debt, including all principal, interest, fees, and other charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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:
I am disputing the following charged-off account and inquiries on my TransUnion credit report. Please investigate and confirm the accuracy of these entries. 

Charged-Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2800.00} Inquiries : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX Late Payments : XXXX Account Number : 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 2025-11-27 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: NM

Complaint narrative:
I have reviewed my credit report from Equifax and found discrepancies regarding charged-off accounts, inquiries, and late payments. I request that Equifax thoroughly investigate these items and update my credit report accordingly. If any information can not be verified, I request that it be removed from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off : XXXX XXXX XXXX, Account No : XXXX, Date Opened : XX/XX/XXXX, Balance : {$9000.00} XXXX XXXX, Account No : XXXX, Date Opened : XX/XX/XXXX, Balance : {$13000.00} Inquiries : XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX Late Payments : XXXX XXXXXXXX, Account No : XXXX XXXX, Account No : XXXX

Company response to consumer: Closed with non-monetary relief