vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-08 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am formally disputing an account currently appearing on my credit report that I do not recognize. I am requesting a full and proper investigation in accordance with the Fair Credit Reporting Act ( FCRA ). If the account can not be fully verified with accurate and complete supporting documentation, I respectfully request that it be removed from my credit report. During the investigation, I also request that the account be clearly marked as disputed, as required under federal law. 
XXXXXXXX XXXX XXXX XXXX Balance : {$6300.00} Date Opened : XX/XX/

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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 disputing inaccurate information on my credit report. It lists addresses at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX, and XXXX XXXX XXXX, XXXX, TX XXXX XXXX neither of which are mine, violating 15 U.S.C. 1681e ( b ). Disputed accounts include Collection : XXXX XXXX {$540.00}, XXXX XXXX XXXX XXXX  {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$7500.00} ( 1099-C ), and Inquiry : XXXX XX/XX/year>. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 1681s-2 ( b ), I am entitled to a reasonable reinvestigation, and furnishers must report accurately. 1681c-2 protects me from reporting of inaccurate or unverifiable info. These inaccuracies confuse and harm my financial standing.

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 2025-10-08 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: VA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-10-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-10-08 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: Credit Corp Solutions Inc.
State: WA

Complaint narrative:
On XX/XX/XXXX, I wrote and sent a letter requesting any and all information XXXX XXXX XXXX has regarding the alleged debt they've been reporting to my credit report. On XX/XX/XXXX I received documentation in the mail from XXXX XXXX XXXX that contains most of an original contract with the original creditor, but nothing to indicate the debt was ever written off or that anything that shows it legally changed hands to XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Self Financial Inc.
State: FL

Complaint narrative:
I used Selfs credit builder loan service. My account was closed, but I havent received a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under XXXX U.S. Code XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-10-08 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: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 


I am submitting this formal complaint against Experian for ongoing violations of the Fair Credit Reporting Act ( FCRA ) related to my identity theft dispute. On XX/XX/year>, I submitted a legal demand with my FTC Identity Theft Report and supporting documentation, which identified fraudulent accounts from XXXX XXXX. Despite having received all required documents, Experian has failed to block or delete these accounts, in direct violation of FCRA 1681c-2, and has not conducted a reasonable reinvestigation under FCRA 1681i ( a ) ( 1 ). In addition, certain accounts appear to have been reinserted without proper notice, further violating FCRA 1681i ( a ) ( 5 ). Their refusal to comply continues to cause harm to my creditworthiness and financial well-being. 

XXXX XXXX XXXXXXXX

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 2025-10-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: U.S. Auto Credit Corporation
State: AL

Complaint narrative:
This is an escalated complaint regarding US Auto Credits ongoing failure to verify, validate, or correct inaccurate and misleading information about an alleged repossession account. Despite multiple disputes through XXXX  and XXXX, the company continues to verify this account without producing a single piece of supporting documentation. 

The reported data is materially inconsistent across bureaus including conflicting last payment dates ( XX/XX/XXXX vs. XX/XX/XXXX ), mismatched balances, and contradictory payment histories. These discrepancies prove that the data is not being furnished with maximum possible accuracy, in violation of FCRA 1681e ( b ).

Under FCRA 1681s-2 ( b ), furnishers are required to conduct a reasonable investigation and provide underlying records to the credit bureaus once a consumer dispute is received. Instead, US Auto Credit has repeatedly verified this tradeline without any evidence of a repossession, sale, or deficiency balance. 

No Notice of Default, Notice of Sale, or deficiency statement has ever been issued to the consumer as required under UCC 9-611 9-613 and TILA 131. Reporting a repossession and balance without these documents constitutes willful noncompliance.

This account has been disputed repeatedly for over six months, including formal validation requests with supporting FTC Identity Theft Reports and Power of Attorney documentation. The continued verification of unverifiable data demonstrates reckless disregard for the law and systemic furnishing violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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 disputing inaccurate information on my credit report. My address is incorrectly listed as XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. This misrepresents my identity. My report also lists inaccurate accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as 1099-C cancelled debt under 15 U.S.C. 1681e ( b ) and 1681s-2 ( b ). Reporting incorrectly harms my credit.

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 2025-10-08 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:
I reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a resonsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of [ XXXX ] and [ XXXX ]. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :

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 2025-10-08 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: NJ

Complaint narrative:
I reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a resonsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of [ XXXX ] and [ XXXX ]. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
The Synchrony Bank ( SYNCB/Amazon ) account on my credit report has been re-aged in violation of the Fair Credit Reporting Act ( FCRA 623 ( a ) ( 5 ) ). 

The account was originally charged off in XX/XX/XXXX, with a Date of First Delinquency ( DOFD ) of XX/XX/XXXX. Despite this, Synchrony Bank continues to update the account as Reported and Past Due As Of through XX/XX/XXXX, without any new activity or payments since the original charge-off. 

These updates make it appear that the account is newly delinquent, which falsely extends the negative reporting period and misrepresents the true age and status of the debt. This practice is explicitly prohibited under FCRA 623 ( a ) ( 5 ), which requires furnishers to accurately report the original delinquency date and forbids resetting that date to make an account appear more recent. 

I filed a written dispute with the credit bureaus in XX/XX/XXXX requesting correction of this issue. Synchrony Bank responded through a reinvestigation dated XX/XX/XXXX, but instead of fixing the error, they changed the Past Due As Of date from XX/XX/XXXX to XX/XX/XXXX, confirming continued re-aging. 

The account was originally charged off years ago and should no longer be updating monthly as if it were an open or active delinquency. These updates are damaging my creditworthiness and misinforming potential lenders.

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 2025-10-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Identity Theft Victim Statement Name : XXXX XXXX XXXX of Birth : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX Phone : XXXX Email : XXXX To Whom It May Concern : I am writing to formally declare that I am a victim of identity theft. My personal and financial information has been illegally used without my knowledge or consent to create multiple fraudulent accounts and conduct unauthorized transactions. 

This criminal activity began in XXXX and has continued into XXXX, resulting in more than {$100000.00} in fraudulent debt under my name. These fraudulent actions have included : The creation of fake email accounts and online profiles Unauthorized credit cards and loans Fraudulent checking accounts and applications Unauthorized use of my stolen phone and wallet The misuse of my identity for financial gain and impersonation I have no connection to the individuals or entities responsible and did not authorize any of these actions. The activity has caused severe emotional distress, financial harm, and damage to my credit reputation. 

I am formally disputing and denying all fraudulent accounts and debts resulting from this theft. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ) and the Fair and Accurate Credit Transactions Act ( FACTA ), I am requesting that all credit bureaus and financial institutions : Block and remove all fraudulent accounts and inquiries associated with this identity theft. 

Cease all collection efforts and remove all negative information related to these accounts.

Conduct a full investigation and provide written confirmation of the results.

Please consider this my official Identity Theft Victim Statement and ensure it is attached to my credit file to prevent further misuse of my personal information. 

I am willing to provide any supporting evidence, including police reports, FTC Identity Theft Reports, and proof of my identity upon request. 

Thank you for your immediate attention and cooperation in resolving this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
My account was suddenly closed and restricted by Chase today. I went into the branch to try and withdrawal my funds and I was only allowed to withdrawal {$5000.00} when I had nearly {$15000.00} in my account. I asked for information as to why my account was closed and was told that they were unable to disclose that information. That is fine, but Id like to access my funds to pay my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC
State: GA

Complaint narrative:
WESTERN FUNDING INC  has been reporting a dept to my credit report that doesnt belong not belong to me. I have contacted them multiple times about this about this {$5000.00} dept. They have not removed it and has continued to report this negative information to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: NY

Complaint narrative:
I am writing to formally express my concerns regarding chimes handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using chime numerous times and reporting discrepancies, my financial institution, chime, has failed to investigate my claims adequately on numerous occasions. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that chime has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving clients like me vulnerable to scams without any resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: AR

Complaint narrative:
I was a victim of the Transunion and Equifax breach ; due to such, there are inaccuracies on my credit reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: AR

Complaint narrative:
I was a victim of the Transunion and Equifax breach ; due to such, there are inaccuracies on my credit reports

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