vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-06 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:
Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681c2 ( Section 605B ), I am formally demanding the immediate removal, deletion, and blocking of the fraudulent accounts and inquiries listed on my credit report. This request is submitted under the protection of federal law due to verified identity theft and exposure of my personal information during the Equifax data breach, which significantly compromises the accuracy and integrity of the data being reported. Under Section 605B, the credit reporting agency is legally obligated to block and remove this information within four ( 4 ) business days upon receipt of a valid identity theft report. Failure to comply constitutes a direct violation of the FCRA and subjects your agency to regulatory consequences and potential legal action. This is a final and urgent demand for compliance. Please confirm the removal in writing and issue updated copies of my credit report reflecting these changes. Thank you for your prompt attentiontothismatter.

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 2025-10-06 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:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-10-06 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: FL

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 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: GA

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: MD

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 2025-10-06 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: MD

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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: MI

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

1681c2 ) that you, the XXXX  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 : 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 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 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 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 XXXX 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 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Chime Financial Inc
State: OH

Complaint narrative:
Chime bank drafted a total of XXXX dollars from my account without any permission or explanation. The service agreement states qualifying deposits may be deducted from, but states qualified deposits must be government or ACH transactions from an employer not peer to peer such as XXXX. I transferred money via my XXXX account and it was all deducted. Chime refused to correct this when called immediately on XX/XX/XXXX at XXXX. stating first that it was a qualifying direct deposit, then that they had updated the policy, then that the policy was always something else. The mobile application still states funds will be drafted from a qualifying direct deposit says nothing about being able to take funds from any deposit. The agents all provided misinformation and when I requested a supervisor to open a regulation E dispute they refused, I requested date of policy update they refused, and ended the call without providing name or ID, only stating this is just how things are working.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX posted two unauthorized charges to my account for {$66.00} and {$46.00}. 

I had previously purchased XXXX XXXX tickets for over {$18000.00} in XX/XX/XXXX for a trip that took place in XX/XX/XXXX. 

I have not flown on any airline since the end of XX/XX/XXXX. 

XXXX leg of that XXXX flight was cancelled by XXXX, and part of the ticket price was refunded to my credit card in XXXX XXXX. 

I contacted XXXX for information about the new charges but did not receive a response. 

I contacted Citizens Bank ( my cardholder ) on XX/XX/XXXX for a XXXX call and opened a claim ( XXXX ). 

I did not hear back from Citizens, and the charges were not removed from my card. 

I called Citizens again on XX/XX/XXXX ( XXXX call ) and was told the investigation was pending and that I should receive a letter by XX/XX/XXXX. 

I did not receive the letter and called again on XX/XX/XXXX ( XXXX call ). I was again told a letter would be mailed. 

As of today, I still have not received any correspondence, and the charges remain on my card. 

Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
I get multiple calls a day from concord credit and XXXXXXXX XXXX They harrass me all day long

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Unauthorized access to my credit report by multiple companies has caused direct harm to both my credit and credit score. I previously contacted your agency and was assured that these unauthorized inquiries would be removed ; however, they remain on my report. This continued inaction is unacceptable and raises serious concerns regarding potential identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX  and several furnishers for reporting inaccurate and unverified negative accounts that have harmed my credit health. Despite prior disputes under the Fair Credit Reporting Act ( FCRA 611 ), these items remain on my credit file without proper verification. The accounts include XXXX XXXX XXXX XXXX XXXX XXXX XXXX, National Credit Adjusters 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. I request that the CFPB investigate these violations, require the furnishers to provide documented validation, and ensure the removal or correction of all unverifiable data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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:
After reviewing my credit reports, I found several accounts being reported inaccurately and without proper validation. XXXX XXXX is listed as charged-off with a {$480.00} balance while also showing Pays as Agreed in certain updates, which is clearly contradictory. XXXX XXXX shows as closed and XXXX days late, but the dates of last activity are inconsistent, and no validation was ever provided. 

XXXX XXXX XXXX continues to report a late payment in XX/XX/XXXX, which is inaccurate since the account has been paid consistently and was in good standing before that date. XXXX XXXX XXXX ( XXXX ) reports 164 % utilization on a closed account, which is mathematically impossible and damaging. XXXX XXXX XXXX shows a charge-off from XXXX but continues to re-age the account and report new activity through XXXX without proof of the accounts accuracy. 

XXXX XXXX is reported with 117 % utilization and new late payments despite a repayment plan being in place. XXXX XXXX XXXX lists a XXXX charge-off but continues to show late payments even after the account was closed, which is contradictory. XXXX XXXX and XXXX XXXX XXXX are both closed accounts that were paid or settled long ago, yet they continue to update as new charge-offs in XXXX, which constitutes illegal re-aging under FCRA 623 ( a ) ( 5 ). XXXX reports over 20 consecutive months of 90-day lates with re-aged charge-off dates, which is excessive and unverifiable. Lastly, XXXX XXXX is paid and closed but still shows as a charge-off, which is inaccurate. 

Despite prior disputes, these items continue to appear on my report with no supporting documentation or original creditor validation.

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 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am a victim of identitytheft. fraud. I submitted my Identity theft report to Equifax via certifed mail. Also gave my id and social security card and birth certificate. Equifax continues to say they do not believe I am a victim because the people that stole my identity says no they did not, I contacted the other credit bureaus with the same information and the followed the law and blocked the items I requested to be blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: WA

Complaint narrative:
This is a formal complaint directed to EXPERIAN regarding the inaccurate and nonMetro 2 compliant reporting of a public record entry from the U.S. Bankruptcy Court ( XXXX, WA ) on my credit report. The record in question is listed as : Type : Bankruptcy XXXX XXXX  XXXX Date Filed : XX/XX/XXXX Date Settled/Discharged : XX/XX/XXXX Reference Number : XXXX XXXX : U.S. Bankruptcy Court XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX This entry is being reported by EXPERIAN in violation of federal law, Metro 2 reporting standards, and fair data accuracy principles established for credit reporting agencies.

Violations and Legal Basis FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] Failure to Ensure Maximum Possible Accuracy EXPERIAN has not demonstrated that this bankruptcy information was obtained from a verified, certified, or official source. Metro 2 guidelines require data furnishers and repositories to verify court records directly or through a verified vendor with certified documentation. Reporting an item based on outdated or unverifiable third-party data ( such as XXXX or XXXX ) constitutes a failure to ensure accuracy and data integrity.

FCRA 611 ( a ) ( 1 ) ( A ) Inadequate Reinvestigation Upon dispute or review, EXPERIAN is required to reinvestigate the source of the bankruptcy data and obtain confirmation directly from the court of record. Failure to do so, or reliance on an automated vendor response instead of actual court verification, violates the consumers right to a meaningful reinvestigation. 

FCRA 609 ( a ) ( 1 ) Failure to Disclose Source of Information EXPERIAN must disclose the name, address, and contact information of the actual furnisher or public source of the information. Failure to provide the certified data source upon request demonstrates willful concealment and noncompliance with statutory disclosure obligations. 

FCRA 605 ( a ) ( 1 ) Reporting of Obsolete or Outdated Information Bankruptcy entries are limited to a maximum XXXX reporting period. As this record approaches the statutory limit, continued publication without verification or certification constitutes the maintenance of obsolete and prejudicial data. 

Metro 2 Data Furnishing Violation The record fails to contain all required Metro 2 public record fields including standardized court identifiers, verified docket number formatting, and update sequence tracking. This omission renders the data noncompliant with CDIA reporting requirements.

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 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to express my deep disappointment upon discovering a bankruptcy entry in my credit report. After careful examination, it has become evident that this entry does not correspond to any actions or decisions made by me. As a diligent and responsible individual, maintaining a positive credit history has always been a top priority. Therefore, encountering such a significant error is not only concerning but also distressing. Please keep me informed of the steps taken to address this issue and provide updates on the progress of the dispute resolution process. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account.

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 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
I got a letter stating that my credit/debts are at/over the amount of {$30000.00}. I did the math on what it showed on my report and it equals out to {$29000.00}. It is under the $ XXXX limit. I just wanted to dispute the decision to not move forward with my employment because my debt is over $ 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