vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name.

Failure to address this matter promptly will lead me to take further action to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: TX

Complaint narrative:
I am an individual consumer working to rebuild my credit. I have reviewed my credit reports and found several accounts and inquiries that appear inaccurate, incomplete, or incorrectly reported. I am filing this complaint so that the Consumer Financial Protection Bureau can assist in having these issues investigated by the credit reporting agencies under the Fair Credit Reporting Act ( FCRA ). 
Charged-Off Accounts in Dispute XXXX Acct XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX  Balance : {$0.00} Dispute Summary : Experian is reporting a XXXX account as charged off despite showing a {$0.00} balance. This is inconsistent and potentially misleading. If the account has been settled, paid, or recalled, the charge-off notation should be removed. 
Please verify directly with XXXX and provide documentation of the accounts current status. If it can not be validated, it should be deleted. 

Inquiries in Dispute The following inquiries appear on my Experian credit file and are being disputed for verification under the FCRA : 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 XXXXXX/XX/XXXX Dispute Summary : Several of these inquiries appear multiple times or may not have been authorized. I do not recall approving all of them, especially the duplicate entries from the same creditors ( XXXX XXXX and XXXX XXXX ). 
I request that Experian confirm that each inquiry was made with my explicit written consent for a permissible credit purpose under the FCRA. Any unauthorized or unverifiable inquiries should be deleted.

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 2025-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: MO

Complaint narrative:
I opened up a Chime online banking account on XX/XX/year>XXXX   due to a promotion that targeted me online. The promotion read that I could get {$350.00} for opening up a chime online banking account. I proceeded to open up the account, but the information on the deposit bonus was not very clear and mentioned that I needed to deposit at least {$200.00}. So I proceeded to call chime customer support on XXXX the XXXX to get further clarification after my first deposit of {$200.00}, the first time I called I was informed that my deposit bonus might take up to seven days. After waiting the initial seven days I called again on the XXXX. This time I was told that my deposit amount needed was wrong and that I had to deposit a total amount of {$500.00} to my account and that {$100.00} of the {$350.00} bonus was to be processed as a cash back reward, which I was fine with. So I upped my direct deposit amount from {$200.00} to {$300.00} and continued to wait, but because of the nature of how Im paid I had another deposit hitting before the correction to my direct deposit so another {$200.00} deposited to my chime account before the correction could process. So at this point I was sitting at a total of {$400.00} in direct deposits in a span of 12 or so days. So I called in again on the XXXX of XXXX to make sure of my promotional details and dates. The representative I spoke to confirmed to me that my next direct deposit amount of {$300.00} that was coming in the XXXX would trigger my {$500.00} in total deposits and I would get my {$250.00} deposit bonus. He explicitly told me that I had until the XXXX of XXXX to receive my direct deposit, and I would be just fine with my set amount of {$300.00}. Fast forward to today, XXXX the XXXX and after an hour on the phone with Chime member services, and being forwarded to a head of that same member services department, I was informed that the agent I spoke to prior on XXXX the XXXX had given me the wrong information, and that I needed to actually deposit a XXXX time total of {$500.00} and not a cumulative amount. Being that my promotion period ends in two days and I dont get paid again before then, I was told that there was nothing that she could do and didnt even attempt to help my case after I was explicitly mislead. She even expressed how she herself felt that I was wronged but didnt offer a solution or even attempt to credit me or even extend my dates to accommodate me. In summation she told me I was out of luck and there was nothing she could do even though she agreed I had been mislead by a representative. The whole situation is frustrating, and the only reason they got my business in the first place was because of a promotion that I was lied to about.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-11-07 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:
Dear CFPB Representative, I am filing this complaint against XXXXXXXX XXXX XXXX  and XXXXXXXX XXXX for reporting false and misleading late payment information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). These inaccuracies have caused significant harm to my credit profile and financial reputation. 
Details of the Inaccurate Accounts : Disputed Accounts XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX High Balance : {$0.00} Date Opened : XX/XX/year> Issue : Reported as Late Payment This information is false. I have never been late, and no verified records support any delinquency. 
Under the Fair Credit Reporting Act ( FCRA ) 602 ( A ), consumer reporting agencies must maintain the highest standards of accuracy, and FCRA 611 ( A ) grants me the right to dispute and have incorrect data corrected or removed promptly. Reporting an account with a XXXX balance as delinquent constitutes negligent reporting and a violation of federal law. 
Both creditors have failed to provide any proof of delinquency or payment history supporting these false claims. The continuous reporting of these accounts as late is damaging my credit reputation, affecting my ability to obtain credit, and causing unnecessary emotional distress. 
I am requesting that the CFPB investigate this matter immediately and take enforcement action to ensure : The removal or correction of these false late payment entries. 
Verification that both XXXXXXXX XXXX XXXX and XXXXXXXX XXXX are maintaining compliance with FCRA reporting standards. 
Assurance that similar violations will not continue in the future.

Attached are supporting details, including copies of my credit report highlighting the disputed accounts. I request a formal investigation into these entities and a written response regarding the outcome of this complaint. 
Thank you for your time and attention to this serious 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 2025-11-07 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: BHFC Financial Services INC
State: NV

Complaint narrative:
I am submitting this complaint under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ), and the Dodd-Frank Consumer Financial Protection Act ( 12 U.S.C. 5531 & 5536 ) regarding the inaccurate and unlawful reporting of an auto loan repossession account by Beneficial Financial Services ( BHFC FINCL SRVS ) to XXXX.This account is being inaccurately and unlawfully reported, violating several provisions of the FCRA, FDCPA, and CFPB guidance : 1. FCRA 607 ( b ) Failure to Maintain Maximum Possible Accuracy XXXX  is reporting contradictory and incomplete information supplied by Beneficial Financial Services. 
The account shows both a repossession and a past due balance, which can not legally coexist. The balance has changed inconsistently and the furnisher lists no original creditor, violating the standard of maximum possible accuracy. 
2. FCRA 611 ( a ) Failure to Conduct a Reasonable Reinvestigation Despite a direct dispute, XXXX  continues to report this unverifiable data without producing supporting documentation or verifying ownership of the debt.

3. FCRA 623 ( a ) ( 1 ) ( A ) Furnisher Responsibility for Accurate Data Beneficial Financial Services has failed to ensure the accuracy of information furnished to XXXX  and has not corrected or removed the data upon notice of dispute. 
4. FDCPA 809 ( b ) Debt Validation Requirement Beneficial Financial Services has not provided validation of this alleged deficiency balance following repossession. No signed contract, itemized statement, or proof of lawful collection authority was ever produced. 
Continuing to report to XXXX  without validating the debt is unlawful under FDCPA 807 ( false representation ). 
5. CFPB Circular XXXX Data Furnishing and Accuracy Obligation Both entities are disregarding CFPBs XXXX guidance requiring CRAs and furnishers to prevent inconsistent or misleading tradeline information, particularly regarding repossessions and auto finance accounts. 
6. Unfair and Deceptive Practices ( 12 U.S.C. 5531 & 5536 ) Reporting unverifiable and contradictory credit data constitutes unfair and deceptive conduct, harming my creditworthiness and character.

XXXX Account Information Creditor : Beneficial Financial Services ( BHFC FINCL SRVS ) Address : XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Account Number : XXXX Type : Auto Loan Original Balance : {$8700.00} Reported Balance : {$3200.00} Status : Repossession / Past Due {$2100.00} as of XX/XX/XXXXXXXX  Date Opened : XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I looked at my consumer report and I noticed errors with my personal information : As far as I know by the laws and regulations, any and all others are inaccurate and/or outdated information must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are inaccurate This is the ONLY personal information that should be reported on my credit report Please update my name to : XXXX XXXX XXXX update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/year>XXXX  SS # : XXXX Also, the only name and address that should be reported on my consumer profile are the ones listed above and in the documents attached to this letter. Again, anything else should be deleted ASAP from my credit file I know that you want proof of my personal information that is listed above so I decided to include this information in the letter to make it easy for you to delete the inaccurate information I also noticed the following accounts reporting inaccurately, there are quite a few of them, which left me a bit shocked and confused! I've listed the ones I saw below but there may be more as I continue to review my report. Mistakes such as these can cost me thousands of dollars in interest a year! 

Here are the items that I need to have fully verified as being 100 % accurate :

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 2025-11-07 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: IN

Complaint narrative:
I received a copy of my credit report and found the following item ( s ) to be in error : 1. Under 15 USC 1692g. Validation of debts XXXX Account Number : XXXX Please delete immediately 2. Under 15 USC 1692g. Validation of debts XXXX XXXX Account Number : XXXX Please delete immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: GA

Complaint narrative:
After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

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 2025-11-07 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:
I am an individual consumer working to rebuild my credit. I have reviewed my credit reports and found several accounts and inquiries that appear inaccurate, incomplete, or incorrectly reported. I am filing this complaint so that the Consumer Financial Protection Bureau can assist in having these issues investigated by the credit reporting agencies under the Fair Credit Reporting Act ( FCRA ). 
Charged-Off Accounts in Dispute XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> Balance : {$0.00} Dispute Summary : This account is being reported as charged off even though it shows a {$0.00} balance, which suggests it was paid, settled, or otherwise closed. If the balance is XXXX, the account should not be listed as charged off or derogatory. 
I request that Equifax verify this account with XXXX and provide documentation supporting the charge-off status. If it can not be verified, it should be deleted or corrected. 

Inquiries in Dispute At this time, I have no inquiries listed for dispute with Equifax. However, I am requesting that Equifax review my file and ensure that no unauthorized or duplicate hard inquiries are being reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: TN

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 2025-11-07 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: TN

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 non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have consistently made punctual payments on this account and request that it be accurately reflected. It is frustrating to encounter this discrepancy given my steadfast history of meeting deadlines.

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
THE INFORMATION PROVIDED IS INVALID AND MISLEADING.

Company response to consumer: Closed with non-monetary relief