vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-28 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: OH

Complaint narrative:
I am submitting this formal dispute under the FCRA, 15 U.S.C. 1681, and the FDCPA, 15 U.S.C. 1692, regarding multiple negative tradelines listed on my consumer file. These items are inaccurate, unverifiable, duplicative, and reported in connection with unlawful debt collection practices. Continued reporting of these items in light of known legal violations exposes your agency to liability under federal law. ITEMS IN DISPUTE : XXXXXXXX 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

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 2025-09-28 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: VA

Complaint narrative:
DISPUTING INACCURATE ACCOUNTS INCLUDING BANKRUPTCY BELOW, LOOK AT ATTACHMENT.

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 2025-09-28 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: VA

Complaint narrative:
DISPUTING INACCURATE ACCOUNTS INCLUDING BANKRUPTCY BELOW, LOOK AT ATTACHMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: CA

Complaint narrative:
" On XX/XX/XXXX, in the afternoon, I used my Chime debit card ending in XXXX at XXXX XXXX XXXX, XXXX XXXX, CA XXXX gas pump to purchase fuel at the location.

When I inserted my debit card at Pump # 7, the payment system successfully authorized a pre-authorization hold of XXXX on my account. 
Immediately after the hold was placed, the pump malfunctioned and did not dispense any fuel. The transaction failed, and the pump screen did not show a final charge. Therefore, the actual amount due to the merchant was {$0.00}. 
Despite the transaction failing immediately and no product being received, Chime has failed to reverse the pre-authorization hold. The hold of {$61.00} is still locking up my funds, which is prevented me from eating or being able to go and get gas. 
I believe this is a violation of the spirit of Regulation E ( Electronic Fund Transfer Act ), which requires prompt and accurate settlement of electronic funds. The merchant provided me with an immediate {$0.00} reciept for the failed pump, which calls into question the delay in my bank clearing the corresponding hold. My funds should have been available immediately upon the non-delivery of service. 
I have taken the following steps to resolve this : On the same day, I contacted XXXX Customer Service. They confirmed that the charge was showing a total of XXXX since I did not get any gas. 
I then called Chime. I spent over 4 hours of my time speaking with different representatives. The representative all informed me that the pre-authorization is still pending but refused to release the funds, stating they must wait for the merchant to process the final transaction or for the standard 3-7 business days for the hold to expire.

I am seeking a specific resolution to this issue : Immediate Reversal : I request that Chime immediately reverse and clear the {$61.00} pre-authorization hold on my debit card.

Accountability : I request that the CFPB investigate Chime 's policy for clearing pre-authorization holds related to failed gas transactions to ensure customers ' funds are not being held hostage by merchant error and banking delay. My funds must be protected from unfair holding periods when the service was not delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Leafy Financial, LLC
State: TX

Complaint narrative:
A company reached out to me claiming I took a loan from them. I told them that I have no idea of said loan. I requested that they provide me a documentation showing the loan was taken by me. They did not provide me any. The company is leafy financial llc. I have no knowledge of this said loan. Since they are unable to provide proper documentation, I am demanding that said collection be removed from my credit report immediately. 
I am filing a complaint regarding an inaccurate collection account appearing on my credit reports and the failure of [ leafy financial llc. ] to comply with the Fair Credit Reporting Act ( FCRA ) and/or the Fair Debt Collection Practices Act ( FDCPA ). 

Details of the Issue : Creditor/Collection Agency : [ leafy financial llc . 
Account Number : [ Insert if available ] Credit Bureau ( XXXX ) Reporting : [ XXXX XXXX XXXX XXXX XXXX ] On XX/XX/XXXX, I disputed this account with [ leafy financial llc. However, they failed to provide proper verification as required under FCRA XXXX ( a ) and FDCPA XXXX ( b ). The reporting remains inaccurate because : I did not take said loan. 

Requested Resolution : Immediate deletion of the inaccurate collection account from all credit bureaus, Written confirmation of the correction,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: WA

Complaint narrative:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE IT.

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 2025-09-28 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: 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. ACCOUNTS : XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This has violated my rights. According to : 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 an 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 2025-09-28 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: MO

Complaint narrative:
I am writing to formally dispute an inaccurate item on my credit report. My name is XXXX XXXX XXXX XXXX, and I have identified that the account in question is incorrectly listed under the name XXXX XXXX XXXX XXXX. 
Additionally, the amount reported by XXXX XXXX XXXX, the collections agency, does not match the amount reported by the original creditor, XXXX XXXX. 
Furthermore, under the Fair Debt Collection Practices Act and the Uniform Commercial Code, creditors are required to provide comprehensive documentation when repossessing a vehicle. This includes not only the sale price but also the sale location and details of any personal property left inside the vehicle. The failure to provide this information constitutes a clear violation of my consumer rights. 
Given these significant discrepancies and the breach of proper procedures, I respectfully demand that this account be removed from my credit report entirely.

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 2025-09-28 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: WV

Complaint narrative:
On XX/XX/year> I was notified that I had a collections from National Credit Systems on my credit report regarding an apartment where I previously resided. The original amount on my credit report was {$4900.00}. This was the first time I have been notified about this bill existing. I was never sent any information by my previous landlord nor National Credit Systems. I called the collections agency whom I have never spoken to nor had I received a bill from. I asked them to validate the debt and they sent me a letter that did not include when I had to pay this bill or that I had the right to dispute it. This was sent to the credit bureaus without my knowledge of this even existing or the collection agency contacting me. The credit bureaus should not have reported this on my credit report. I have made several disputes and they will not remove this collections. I disputed this collections on XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>. The debt collector never provided any proof that they attempted to contact me or spoke to me. I'm unsure of why the credit bureaus consider this legal. After several attempts to get this removed for my credit report the collections amount changed to XXXX. They accepted a falsified document sent to them months after this was originally reported. This document came allegedly from the corporate office of my former landlord. Nothing in this falsified letter matched up to what the property manager of my former landlord had sent to the collections agency. None of the information I have was provided to me by my former landlord. It was provided to the collection agency who has sent me this information only when I have called to address why they sent this to the credit bureaus without contacting me. They have yet to answer my question. The credit bureaus have yet to remove this collections from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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:
I am filing this complaint to dispute inaccurate and contradictory information being reported in my Experian credit file. As outlined in the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXXi, Experian is required to ensure maximum possible accuracy and provide me with the procedures used to verify disputed information. If you are unable to verify accuracy, this item must be deleted immediately, as it continues to harm my credit and financial well-being. 

Under the Gramm-Leach-Bliley Act ( 15 U.S.C. XXXX ), I also maintain an essential right to privacy regarding my financial information. In addition, 15 U.S.C. XXXX ( XXXX ) emphasizes the duty of credit bureaus to safeguard and ensure complete accuracy of consumer data. 

No permissible purpose exists under 15 U.S.C. XXXX ( XXXX ) to continue publishing false or contradictory data on my file. Experian does not have my consent, nor is there a valid legal basis to report such inaccurate information. 

Further, XXXX XXXX. XXXX addresses misuse of consumer identity and data as a criminal matter. Should any of this reporting stem from identity theft, Experian is obligated under 15 U.S.C. XXXX to block such information immediately upon notice. 

Disputed Item XX/XX/XXXXCreditorXX/XX/XXXXAccount Number : XXXXXX/XX/XXXXHigh Balance : {$29000.00} Date Opened : XX/XX/XXXX Reported Status ( Experian ) : Paid / Closed {$0.00} balance Current Inaccuracy : Although Experian reports this account as Closed/Paid with {$0.00} balance, it also shows a XXXXday late mark ( XX/XX/XXXX2025 ). This is contradictory, misleading, and unlawful. A paid and closed account can not simultaneously reflect derogatory payment history. 

This constitutes a violation of 15 U.S.C. XXXX, which prohibits furnishers from providing inaccurate or unverifiable information. 

DEMAND I demand that Experian immediately correct or delete this account. The dual reporting of Closed/Paid/Current and Late is inherently inconsistent and deceptive. 

Please provide me with : A complete description of the procedures used to verify this account. 

All documentation provided by the furnisher in support of this reporting. 

A corrected version of my credit file showing deletion or correction of the inaccurate item.

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 2025-09-28 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: CA

Complaint narrative:
The fair resolution is the permanent deletion and blocking of all fraudulent accounts and unauthorized inquiries listed in my complaint, as required under FCRA and related federal laws. I expect a corrected and updated credit report, along with written confirmation that these items have been removed. This must be completed within the legally required timeframe. 

If this resolution is not provided, I will have no choice but to escalate by filing formal complaints with the CFPB, FTC, XXXX, and the Attorneys General, and I am prepared to pursue legal action for statutory and actual damages as allowed under the FCRA.

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 2025-09-28 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:
Request for Deletion of Unverifiable Bankruptcy FCRA 607 ( b ), 609 ( a ), 611 Dear Experian, I am writing to formally dispute a bankruptcy that appears in the Public Records section of my credit file. This item contains inaccurate and unverifiable information, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 607 ( b ), 609 ( a ), and 611.

According to the clerk of the court, the court does not report bankruptcy records to credit bureaus. Therefore, your agency can not have verified this information with the source as required by 607 ( b ). If the source you relied on is XXXX, XXXX, or any third-party vendor, this does not constitute verification with the original furnisher. 
Pursuant to 609 ( a ), I request the complete method of verification, including the name, address, and telephone number of the person or entity you contacted to verify this information. If you can not directly verify this information with the court, then under 611 ( a ), the bankruptcy must be deleted from my credit file.

Item Type Filing Date Court Dispute Reason Requested Action Bankruptcy XX/XX/year> XXXX Bankruptcy XXXX XXXX XXXXXXXX Unverifiable / Court does not furnish data. Delete from the credit file. 

Under 611 ( a ), if the disputed information can not be verified, it must be deleted promptly. Please provide me with written confirmation of the results of your reinvestigation within 30 days, as required by law. If you fail to comply, I will file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider legal remedies under XXXX. 

Sincerely, 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 2025-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Checkr, Inc
State: CA

Complaint narrative:
XXXX XXXX XXXX criminal convictions showed up on my background check that I received on XX/XX/XXXX from a report that XXXX wanted checkr to provide them. California law states that background checks can not exceed the 7 year gap and they went back all the way to back XXXX. I am disputing this with checkr and told them this is illegal XXXX asked XXXX to run a new background check within the 7 year window stated by california law. XXXX ignores me over and over again and kept requesting expunged records when in the first place that offense shouldn't be on my report anyways. They refused to rerun the report in the legal timeframe and keep closing our chat when I state it's illegal for them to do this and stop asking for documents in the state of California for a offense that is XXXX XXXX XXXX. PLease make them comply with the law and fix there mistakes

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank
State: TX

Complaint narrative:
This account is reported with multiple inaccuracies in violation of the Fair Credit Reporting Act ( FCRA ). It reports a {$0.00} balance but still shows as a charge-off, which is contradictory. The Date of Last Payment is inconsistent across bureaus ( XX/XX/year> vs XX/XX/year> ). The status is reported as Indeterminate, which is vague and not a recognized status. Comments conflict between Purchased by another lender and Closed by credit grantor, which can not both be accurate.

Under FCRA 15 U.S.C. 1681s-2, furnishers must ensure maximum possible accuracy. Failure to do so constitutes a violation subject to damages of up to {$1000.00} per violation. I request deletion of this account from all credit reports unless the furnisher can provide complete validation and correct reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: TX

Complaint narrative:
XX/XX/year> and XX/XX/year> Experian has failed to do a complete investigation and provide me with information the reason for the update on my credit report after requesting several times. These allege accounts are been inaccurate or incorrect theyre updating information attached to a closed charge off account.I have also ask for 1099C forms filed for the XXXX XXXX accounts from Experian & XXXX XXXX neither party. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. Specifically : I request verification of the account balance and whether a Form 1099-C ( Cancellation of Debt ) has been issued. If the debt was cancelled or forgiven, the account should be updated to reflect a XXXX balance. 
.If you can not verify this information with the furnisher of data, the item must be deleted from my credit report.. The account status is incorrect. The account balances, and account open and closing dates are all incorrect after comparing it with other bureaus. Please update accounts to positive history or delete the accounts immediately. 


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 2025-09-28 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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Order ID : XXXX XXXX  Tracking : XXXX Charge Amount : {$710.00} ( XXXX XXXX XXXX XXXX issued by Chase ) Return Timeline : Dropped at XXXX XX/XX/year> ( XXXX XXXX XXXX NV ). Delivered XX/XX/year> to seller returns facility in XXXX, MA ( receiver : XXXX ). XXXX shows package weight XXXX lb, consistent with a boxed XXXX XXXX XXXX ( XXXX, XXXX XXXX XXXX XXXX ). 

XXXX XXXX told XXXX the return box was empty. XXXX issued only {$55.00} with a restocking fee ( which contradicts an empty box claim ). When I asked for clarification, the seller then said the phone was missing and only accessories were received. These explanations conflict but lead to the same withheld amount. I disputed with Chase and provided XXXX weight evidence and seller/XXXX  messages/photos ; Chase denied without addressing the objective weight data. 

I can not open a XXXX claim because the prepaid label uses the shippers XXXX  account, and my XXXX profile is not associated with that account ( error XXXX  : XXXX ). The seller will not cooperate or file the claim. Im attaching the XXXX  proof, XXXX refund page, and communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Opportunity Financial, LLC
State: MS

Complaint narrative:
I sent documentation of my XXXX  to all the credit bureaus. I asked that any and all accounts obtained in my name during that period be removed. Some were and some were not.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
i made phone calls to get my credit report updated and they refuse to do it. im now XXXX they are hurting my credit score.

Company response to consumer: Closed with explanation