vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 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: IL

Complaint narrative:
This account was wrongfully attributed to me and the reporting 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 2025-12-22 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:
AS A DIRECT RESULT OF THE REPORTING AGENCYS FAILURE TO CORRECT, VERIFY, OR REMOVE FALSE INFORMATION, I HAVE SUFFERED MEASURABLE AND CONTINUING HARM. INACCURATE DATA HAS BEEN USED BY THIRD PARTIES TO DENY CREDIT, ALTER TERMS, AND DAMAGE MY REPUTATION. THIS VIOLATES MY RIGHTS UNDER 15 U.S.C. 1681N AND 1681O, WHICH PROVIDE REMEDIES FOR WILLFUL AND NEGLIGENT NONCOMPLIANCE WITH THE FCRA.

THE REPORTED ERRORS HAVE CAUSED FINANCIAL, PROFESSIONAL, AND EMOTIONAL DAMAGE, INCLUDING INCREASED INTEREST RATES, DENIAL OF CREDIT OPPORTUNITIES, AND EMBARRASSMENT FROM BEING FALSELY REPRESENTED AS DELINQUENT OR UNRELIABLE. THE AGENCYS CONTINUED FAILURE TO REMOVE UNVERIFIED DATA EVEN AFTER FORMAL NOTICE DEMONSTRATES CONSCIOUS DISREGARD FOR CONSUMER RIGHTS AND FEDERAL LAW.

FURTHERMORE, THE AGENCYS INACTION HAS ALLOWED THESE ERRORS TO PROPAGATE ACROSS MULTIPLE DATABASES, CREATING A SELF-PERPETUATING SYSTEM OF FALSE INFORMATION THAT IS IMPOSSIBLE FOR A CONSUMER TO FULLY REVERSE WITHOUT REGULATORY INTERVENTION. THIS IS A DIRECT VIOLATION OF THE DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY AND TO CEASE REPORTING INFORMATION KNOWN TO BE INACCURATE OR UNVERIFIED.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
TransUnion/Experian is reporting a 30-day late payment on my XXXX XXXX XXXX  account XXXX This information is inaccurate. 

XXXX XXXX XXXX  own account records and payment history show zero late payments. Therefore, the reported 30-day delinquency is incorrect and can not be verified.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ), consumer reporting agencies are required to ensure maximum possible accuracy of the information reported. Additionally, payment history must be reported in accordance with Metro 2 reporting standards, which require accurate delinquency coding.

Since no delinquency occurred, this 30-day late payment is being reported incorrectly. I am requesting that this inaccurate payment history be deleted or corrected immediately.

Documentation supporting this dispute has been 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 2025-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
LVNV Funding is reporting and attempting to collect a debt I do not owe. I have never opened, authorized, or acknowledged this account.

LVNV previously sent a XXXX XXXX Bank statement claiming this debt is mine. This is misleading. As a debt buyer, LVNV can not rely on the original creditors statement to establish my liability. Once a debt is sold, the original creditor no longer owns it. LVNV must provide proof of assignment, chain of title, and a signed contract linking me to this debtthey have failed to do so. 

Continuing to report this account violates the Fair Credit Reporting Act ( FCRA 1681i, 1681s-2 ( b ) ) for inaccurate/unverified reporting, and continuing collection attempts violate the Fair Debt Collection Practices Act ( FDCPA 1692e, 1692f, 1692g ).

I demand immediate deletion of this account from all credit reporting agencies and cessation of all collection activity. I request CFPB enforcement due to LVNVs misrepresentation and failure to validate the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I signed up for the XXXX XXXXXXXX of XXXX credit card while the public offer included a double qualifying night promo. I was approved for this card on XX/XX/XXXX. 

This offer was valid from XX/XX/XXXX to XX/XX/XXXX of 2025, and my approval was between those time periods. I am being told that for some reason, this offer is not attached to my card account. I am attaching a link, that shows the offer https : XXXX I am also attaching a thread from reddit, of an individual who has experienced the same issue as me, but was ultimately able to get it resolved. 

https : XXXX I've used up all my resources available to get this issue resolved with Chase - account supervisors, marketing team, even XXXX team. They are all gaslighting me that this offer is not valid for my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: RFNA, LP
State: TX

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX  handling of my account after a court-approved Rule 11 Agreement in Texas Justice Court ( XXXX XXXX XXXX XXXX XXXX ). 

Under the Rule 11 Agreement, a final judgment was entered for {$3600.00}, with monthly payments of {$170.00} beginning XX/XX/year>. The agreement allows only statutory post-judgment interest and court costs. 

Since entering into this agreement, I have not missed any required payments. A XXXX XXXX representative confirmed verbally that I have not missed any payments since XX/XX/year>. 

Despite this, XXXX XXXX has : Charged unauthorized late fees not permitted under the Rule 11 Agreement Labeled my account as past due and delinquent Reported my account to credit bureaus as 6089 days late, which is inaccurate Continued applying terms from the old loan contract, which should no longer apply after judgment On XX/XX/year> A XXXX XXXX representative named XXXX confirmed verbally that I have not missed any payments since XX/XX/year>. On XX/XX/year>, XXXX XXXX sent me a written notice acknowledging receipt of my {$170.00} payment, but stating that my account was still delinquent and demanding an additional past due balance. This letter demonstrates that XXXX XXXX is attempting to require me to catch up balances that were already absorbed into the judgment, creating a never-ending delinquency cycle that is not allowed under a Rule 11 Agreement.

I submitted a written dispute requesting : A full post-judgment payment history Justification for all late fees Correction of inaccurate credit reporting I provided the company 10 days to respond. XXXX XXXX did not respond. 

XXXX Finances actions violate the Rule 11 Agreement, misrepresent my account status, and have caused inaccurate credit reporting and improper fee assessments. 

I am requesting that XXXX XXXX be required to : Remove all unauthorized late fees Correct all inaccurate credit reporting Provide a complete post-judgment payment history Bring the account into full compliance with the Rule 11 Agreement Confirm the corrected balance in writing I am attaching the Rule 11 Agreement, credit reporting screenshots, and the XXXX XXXX letter dated XX/XX/year> acknowledging my payment while still claiming delinquency. Also my credit report from XXXX XXXX showing the negative reporting on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: TX

Complaint narrative:
The account was paid off completely, but the report continues to display late-payment entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: TX

Complaint narrative:
Chime bank locked my account and stole my money. I called them and they would not unlock the account because they said I need a ID to verify identity told them my ID expired and can't get new XXXX until next year they didn't care and refused to close my account and give me my money back. I am reporting theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: VA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: Affirm Holdings, Inc
State: NY

Complaint narrative:
I called affirm and the information they have doesn't match my information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: MA

Complaint narrative:
I have found some incorrect personal information being reported on my file, and I want it to be FIXED. My full name is XXXX XXXX XXXX, I found some a variations of my name which is XXXX and XXXX these variations does not match my last name, I want this to be FIXED and be updated to my correct last name. I live in XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX, but, I found an incorrect address which is XXXX XXXX XXXX, XXXX, MA XXXX I want this to be FIXED and be updated to my correct address another one is XXXX XXXX XXXX XXXX, XXXX, MA XXXX DELETE this address. The is also a number on my file that are incorrect, XXXX, I want these telephone numbers removed from my file. I also noticed an inquiry that I did not give consent. This inquiry was made without my knowledge, consent, or expressed written authorization, which is a direct violation of my rights under the FCRA 15 USC 1681b ( 2 ). The inquiry in question is XXXX XXXX XXXX XX/XX/year>, I disputed this last time but they failed to removed it. If this goes on, this will be similar to XXXX and XXXX case where XXXX was found violating the FCRA for failing to update the inquiries.

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 2025-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Comerica
State: IL

Complaint narrative:
I have not had access to my social security check since XX/XX/year>. Social security has stated they do not have my money, as they sent it to my account with XXXX XXXX. I have tried to verify my identity countless times with the help of my case workers but have not had any response. I have tried contacting them over the phone and have no response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: WA

Complaint narrative:
I am submitting this complaint regarding an alleged debt being collected by Sequium Asset Solutions on behalf of XXXX XXXX XXXX XXXX. 

The alleged balance was paid in full directly to the property on XX/XX/XXXX, prior to the account being sent to collections. I provided Sequium with written proof of payment, including a receipt, immediately upon receiving their notice. 

Despite this documentation, Sequium has continued to keep the account open in a dispute status for over 30 days, stating they are waiting for confirmation from the property XXXX. The delay is not due to any failure on my part, as proof of payment has already been provided. 

An account that has been paid in full should not have been referred to collections, nor should it remain unresolved while the debt collector waits on the creditor. Continued collection activity or delay on a non-existent debt is inappropriate and potentially violates the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
CREDENCE RESOURCE MANA is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE MANA is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
TransUnion/Experian is reporting a 30-day late payment on my XXXX XXXX XXXX  account XXXX This information is inaccurate. 

XXXX XXXX XXXX  own account records and payment history show zero late payments. Therefore, the reported 30-day delinquency is incorrect and can not be verified.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ), consumer reporting agencies are required to ensure maximum possible accuracy of the information reported. Additionally, payment history must be reported in accordance with Metro 2 reporting standards, which require accurate delinquency coding.

Since no delinquency occurred, this 30-day late payment is being reported incorrectly. I am requesting that this inaccurate payment history be deleted or corrected immediately.

Documentation supporting this dispute has been 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 non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Manhattan Beach Venture, LLC
State: NY

Complaint narrative:
I am submitting a complaint regarding the Department of Educations failure to update and implement a completed Direct Loan Consolidation. 

My Direct Loan Consolidation application was submitted XX/XX/year> and marked Application Processed on XX/XX/year> on StudentAid.gov. The plan type is listed as Consolidation Graduated Repayment. 

Despite this XXXX XXXX  The default status has not been cleared after more than XXXX weeks XXXX  The new Direct Consolidation Loan has not been boarded to a servicer XXXX  Conflicting information is being provided between Federal Student Aid and the XXXX XXXX XXXX I have made payments under the assigned consolidation repayment plan in good faith, yet my loan records remain inaccurate and unresolved. 

I am requesting immediate review, correction of loan status, and confirmation of consolidation completion and servicer assignment. 

This delay is causing harm to my financial aid eligibility and credit reporting.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-22 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: IL

Complaint narrative:
I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. The specific information I am disputing is as follows : CHARGED OFF XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$450.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8500.00} INQUIRIES 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 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 non-monetary relief
Consumer complaint received 2025-12-22 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: MO

Complaint narrative:
The failure to produce verifiable evidence supporting the accuracy and legitimacy of this account, while continuing to report unverified information, constitutes a violation of 15 U.S.C. 1681i, including subsection ( a ) and applicable reinvestigation requirements. Such noncompliance undermines the integrity of the credit reporting system and is both unacceptable and avoidable under federal law.

Accordingly, I am demanding the immediate deletion of this account unless and until legally sufficient, verifiable documentation is produced to substantiate its validity. Any delay in resolving this dispute only compounds the harm caused by continued reporting of inaccurate or unverified information and further evidences a failure to meet statutory obligations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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:
I reviewed my updated credit report hoping to see the deletions and corrections of what I previously submitted. I sent a complaint explaining the violations and reasons why it should be removed. Hence these accounts remain despite my prior disputes with the credit bureaus. The bureaus refusal to remove accounts resulting from identity theft is a blatant violation of FCRA 605B and demonstrates willful noncompliance. I demand immediate deletion of these fraudulent accounts, corrective disclosures, and enforcement action to hold the bureau accountable for its unlawful conduct. I demand immediate reinvestigation, deletion of unverifiable accounts, and full compliance with federal 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 non-monetary relief
Consumer complaint received 2025-12-22 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: FL

Complaint narrative:
Numerous attempts of contacting Experian disputing information also the company still reporting this account which was involved in a litigation and its a closed account in this case is a Volation of my consumer rights. Any account that closed is not supposed to continue to report on my credit report

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 2025-12-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
This account is inaccurately reported. It shows a 0.00 balance and 0.00 past due but is coded as Collection/Charge-Off with inconsistent credit limit high credit and payment history reporting.

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