vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Chime Financial Inc
State: MA

Complaint narrative:
Ive attempted to make payments on their app, but theyve been unsuccessful. Ive also reached out to their call center, where they informed me that theyre unable to process my payment. Consequently, Im facing a debt that Im trying to pay, but theyre reporting it to my credit bureau as an outstanding balance. 

Today, on XX/XX/scrub>, 2025, I had another attempt to make the payment, but they persistently informed me that theyre unable to accept it. This isnt due to insufficient funds, as the agent had previously mentioned. The issue lies in their inability to process payments. 

I inquired about alternative payment options, and they suggested that I pay directly to the credit bureau. However, I dont owe the credit bureau ; I owe time. This issue has been ongoing since XX/XX/scrub> 2025. Now, Im attempting to rectify a situation where my payment is being reported to the credit bureau, but the company reporting it is claiming that theyre unable to accept any payments from me.

The amount is {$100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by Experian Information Solutions Inc . Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing.

Details of the Complaint : 1. Failure to Ensure Maximum Possible Accuracy The FCRA requires that credit bureaus and creditors ensure the accuracy of the information they report. My credit report contains inaccurate entries from XXXX, XXXX, XXXX, XXXX, XXXX and XXXX, XXXX, XXXX, XXXX, XXXX that remain unverified despite formal disputes, causing significant harm to my credit score and credibility. Previous attempts to address these inaccuracies have been inadequately handled, demonstrating a failure to uphold FCRA standards for accuracy.

2. Inadequate Investigation and Reliance on Automated Verification Systems Under FCRA, 15 U.S.C. 1681i ( a ) ( 7 ) and 1681s-2, creditors and credit bureaus must conduct thorough investigations of disputed information. However, my previous disputes have been met with automated responses through systems like e-OSCAR, which fail to meet legal requirements for a complete investigation. This approach neglects a comprehensive review of the disputed entries, perpetuating inaccurate information on my report.

3. Non-Compliance with Truth in Lending Act ( TILA ) Requirements As outlined in TILA, creditors must issue clear and accurate billing statements and disclose essential account information to consumers. Experian Information Solutions Inc .

has not adhered to TILA requirements in handling my account, resulting in erroneous charges and inaccurate reporting. This failure to comply with TILA has compounded the inaccuracies on my credit report, further violating my rights as a consumer.

4. Violation of FDCPA Standards for Accuracy and Non-Deceptive Practices The FDCPA mandates that debt collectors and furnishers of information must report accurate, verifiable data. The accounts in question have been repeatedly reported inaccurately, with misleading information that has not been corrected despite my disputes, constituting a violation of FDCPA protections.

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 2025-06-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I have three prior complaints with Chase. I was falsely accused of a XXXX  XXXX XXXX  last Friday, and today in my attempt to secure accommodation and lodging at an XXXX XXXX XXXX XXXX XXXX, they required 3 phone calls from me to finalize the {$630.00} XXXX purchase. 

Frankly, it makes me feel like Chase is endangering my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One completely locked me out of both my checking and savings accounts for no reason. My mom and sister sent me XXXX to buy their airplane tickets and I did, its in my transaction history. We have to travel for a XXXX XXXX having on the XXXX of this month. I called and made them aware that I have to pay the other half of my XXXX on the XXXX, and they told me I could go in a branch and get my money. I went in a branch and they told me they couldnt release any funds to me, so they are continuing to lie and send me in circles. They have frozen my accounts and asked me how I know my mom and sister. I missed my rent because of them and other bills are now late with fees because they have yet to resolve this. Its ignorant, they couldve solved this in 5 minutes by simply calling my mom and sister. Its now day 8 without access to my money. If I cant pay for my XXXX on the XXXX, Ill lose my {$3500.00} deposit thats already been paid. Who is going to refund me that because it wont be my fault?? At this point I want to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under 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 explanation
Consumer complaint received 2025-06-07 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: CA

Complaint narrative:
I, XXXX XXXX XXXX, am filing this complaint regarding the continued inaccurate and incomplete reporting of both account and personal information on my credit report. Despite submitting disputes both directly to the debt collector and through the credit reporting agency more than 35 days ago, no corrective action has been taken. 

Violations of Federal Law The furnisher of the disputed account is in violation of : 15 U.S.C. 1681s2 ( a ) ( 3 ) Failure to report an account as disputed after being notified of a consumer dispute.

15 U.S.C. 1692e ( 8 ) Communicating disputed credit information to a credit bureau without disclosing that the item is being disputed. 

This failure to comply with federal obligations not only misleads potential creditors and employers but also causes ongoing harm to my credit standing and personal reputation. 

Disputed Account and Inaccurate Personal Information Charge Off Creditor XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Incorrect Current Address XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XX/XX/XXXX ) Incorrect Previous Addresses XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XX/XX/XXXX XXXX Duplicate : XXXX XXXX XXXX XXXX, CA XXXX ( XX/XX/XXXX XXXX Duplicate XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XX/XX/XXXX ) Incorrect Employers XXXX XXXX XXXX XXXX XXXX Supporting Documentation Provided A copy of my original dispute submission. 

A recent copy of my credit report clearly showing the account is still not marked as " disputed. '' Requested Action I am requesting that the CFPB assist in ensuring : Immediate correction or removal of the disputed XXXX XXXX charge-off account from my credit file ; Removal of all inaccurate and outdated personal information, including addresses and employer data ; Compliance with FCRA and FDCPA requirements regarding accurate dispute notation ; Full accountability for willful or negligent noncompliance under 15 U.S.C. 1681n and 15 U.S.C. 1692k.

Other Regulatory Reports Filed I am also submitting complaints to the following agencies : Federal Trade Commission ( FTC ) State Attorney Generals Office XXXX XXXX XXXX XXXX XXXX XXXX This dispute is being submitted directly by me, XXXX XXXX XXXX, and is not made through any third party. I respectfully request that this complaint be investigated and resolved promptly and in full accordance with federal consumer protection laws. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: EQUIFAX, INC.
State: TN

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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

Complaint narrative:
I am writing to dispute several credit inquiries listed on my report that I did not initiate or authorize. These inquiries are a result of someone fraudulently using my personal information without my knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Pursuant to my rights under the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692g, I formally requested validation of the alleged debts referenced as collection account opened at XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  collection account opened at XXXX XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX  collection account opened at XXXX on XX/XX/XXXX account number XXXX * * * * collection account opened at XXXX on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  collection account opened at XXXX XXXX XXXX on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX collection account opened at XXXX on XX/XX/XXXX account number XXXX * * * collection account opened at XXXX XXXX on XX/XX/XXXX account number XXXX * * * collection account opened at XXXX on XX/XX/XXXX account number XXXX * * * * collection account opened at XXXX on XX/XX/XXXX account number XXXX * * * * * * * * * * * collection account opened at XXXX on XX/XX/XXXX account number XXXX * * collection account opened at XXXX XXXX on XX/XX/XXXX account number XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  collection account opened at XXXX on XX/XX/XXXX account number XXXXXXXXXXXX XXXX XXXX XXXX  collection account opened at XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX  collection account opened at XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX collection account opened at XXXX on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX Despite my lawful request, you have continued to report collection activities without furnishing the required verification or providing documentation such as a judgment.

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 2025-06-06 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:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hard Inquiry by XXXX  XXXX XXXX on XX/XX/XXXX Hard Inquiry by XXXX XXXX XXXX on XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: MS

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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
Consumer complaint received 2025-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-06-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to delete the following information from my file. The items I deleted are listed in the report, I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission identity, theft, affidavit. 
Please delete this items as soon as possible.

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 2025-06-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence Engelhardt. v Gravens ( mo ) 281 SW715.719 | Presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX Balance {$960.00}, XXXX XXXX {$4300.00}, Overlnd Bond Balance {$12000.00}, XXXX XXXX  XXXX XXXX {$300.00}

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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been disputing an account with XXXX XXXX which has failed to provide validation of debt as required by law. I have sent it certified mail, and more than 30 days have lapsed and they still fail to respond. 

Therefore, I disputed it with the Credit Bureaus and they have failed to initiate an investigation or even mark the account as disputed as required by law. This negligence by the three credit bureaus and the debt collector is damaging me financially, emotionally, and psychologically. The distress this is causing is serious, and the companies seem to not care to follow the rules. 

Therefore I have no other option but to plead for assistance from the CFPB to hold these companies accountable.

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 2025-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-06-07 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: MD

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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

Complaint narrative:
Upon reviewing my credit report from TransUnion, Equifax and Experian, I discovered the following item ( s ) to be inaccurate and/or unverifiable. These remarks have been detrimental to my life and credit health. 

The following accounts are being reported in error : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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:
Upon reviewing my credit report from TransUnion, Equifax and Experian, I discovered the following item ( s ) to be inaccurate and/or unverifiable. These remarks have been detrimental to my life and credit health. 

The following accounts are being reported in error : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief