vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-14 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: Allied International Credit Corp., (US)
State: CA

Complaint narrative:
This complaint concerns false post-charge-off reporting by TransUnion, with XXXX XXXX XXXX XXXX as the furnisher and Experian also publishing the same inaccurate data. 

The account ( XXXX XXXX  Loan ID XXXX ) was charged off in XX/XX/XXXX, yet TransUnion continues to show monthly CO ( charge-off ) notations through XX/XX/XXXX and an impossible Balance Updated XX/XX/XXXX. This is illegal re-aging in violation of : 15 U.S.C. 1681e ( b ) failure to assure maximum possible accuracy ; 15 U.S.C. 1681i ( a ) ( 5 ) failure to delete or modify inaccurate information after notice ; and 15 U.S.C. 1681s-2 ( b ) furnishers duty to correct after notice ( XXXX ). 

I previously disputed this tradeline through TransUnion ( Dispute ID # XXXX, filed XX/XX/XXXX denied XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ). * * Despite notice, XXXX continues to publish false data without proper reinvestigation. 

XXXX displays the same XXXX data, confirming a system-wide furnishing error. The duplicate publication across CRAs magnifies the harm and demonstrates lack of internal re-aging controls. 

These inaccurate reports have directly caused three verified housing denials citing derogatory credit from XXXX. I request CFPB investigation of XXXX re-aging-detection and reinvestigation procedures and review of Upstarts furnishing practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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:
My loan balance is wrong on my credit report. Ive asked on multiple occasions why is it wrong and the customer service reps tell me it is an error but they dont fix 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 explanation
Consumer complaint received 2025-10-14 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: TX

Complaint narrative:
My loan balance is wrong on my credit report. Ive asked on multiple occasions why is it wrong and the customer service reps tell me it is an error but they dont fix 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 explanation
Consumer complaint received 2025-10-14 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:
My loan balance is wrong on my credit report. Ive asked on multiple occasions why is it wrong and the customer service reps tell me it is an error but they dont fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I am filing this complaint against Transunion for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The accounts in question are XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Late Dates Reported XXXXXXXX XXXX XXXX XXXX XXXXXXXX Late Dates Reported XXXX. These late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on these accounts. The furnishers misreported my payment history to Transunion, yet Transunion continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with Transunion under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Transunion failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. Despite this, Transunions reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit terms.

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 2025-10-14 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: AR

Complaint narrative:
The account listed is not mine and is being reported in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: GA

Complaint narrative:
Chime has denied my dispute over a fraudulent transaction. 

I have communicated with Chime that I lost my wallet, along with my cards in it. Then an individual used my XXXX XXXX, XXXX XXXX, and Chime cards. The incident took place on XX/XX/year> in the evening. I communicated with XXXX XXXX and XXXX XXXX, and both companies AGREED that it was a fraudulent transaction after investigation. Chime, however, is the only company that denied a transaction that was charged by XXXX. I created a police report over my lost wallet, gave a police report #, gave evidence of XXXX XXXX red flagging transactions over fraudulent activities, yet Chime has denied a dispute. Not only did I lose my money, but a criminal also took away my card and got away with it by committing fraud. Even though XXXX XXXX and XXXX XXXX both recognized that the unauthorized transactions on their end were fraudulent, they helped me replace my card and gave me answers before the thief could continue to use my cards. 

I'm not sure what address the criminal used, but Chime should've known my home address. The XXXX order does NOT match my home address. I have NEVER had a history of any transactions with XXXX. Per XXXX XXXX and XXXX XXXX agreeing that it was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
* XXXX XXXX  {$16000.00} I never had a car loan please verified I have asked the bureau * XXXX XXXX XXXX / {$160.00} /i dont owe this creditor i have asked for this to be verified no response its been 4 months. 
* XXXX XXXX XXXX/ {$240.00} $ i dont own this account have adked for it to be verified no response in 4 months please delete. 
* XXXX XXXX XXXX XXXX i dont own this account asked for verification no response in 4 months please delete * XXXX XXXX XXXX/ {$440.00} i dont own this account have asked for it fo be deleted no response in 4 months * XXXX XXXX XXXX XXXX XXXX {$440.00} XXXX dont own this account has asked for it to be verified no verification was sent please delete its been 4 months no response * XXXX XXXX XXXX/ {$830.00} i dont own this account it been 4 months i have asked for it to be delete no response no verification of this account or anything please remove * Cb vicscrt account closed never was late this account been closed since 2024 please investigate and remove

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: GA

Complaint narrative:
I am writing to formally file a complaint and request a thorough investigation into several negative accounts that are currently being reported on my credit file. These accounts contain inaccurate, incomplete, and/or unverifiable information that is negatively impacting my credit profile. 
Despite several dispute attempts with the credit bureaus and the reporting creditors, these negative items continue to appear without proper validation or correction. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and verifiable reporting. Any account that can not be verified or substantiated by complete records must be removed from my file immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: GA

Complaint narrative:
I am writing to formally file a complaint and request a thorough investigation into several negative accounts that are currently being reported on my credit file. These accounts contain inaccurate, incomplete, and/or unverifiable information that is negatively impacting my credit profile. 
Despite several dispute attempts with the credit bureaus and the reporting creditors, these negative items continue to appear without proper validation or correction. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and verifiable reporting. Any account that can not be verified or substantiated by complete records must be removed from my file immediately.

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 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
* XXXX XXXX  {$16000.00} I never had a car loan please verified I have asked the bureau * XXXX XXXX XXXX / {$160.00} /i dont owe this creditor i have asked for this to be verified no response its been 4 months. 
* XXXX XXXX XXXX/ {$240.00} $ i dont own this account have adked for it to be verified no response in 4 months please delete. 
* XXXX XXXX XXXX XXXX i dont own this account asked for verification no response in 4 months please delete * XXXX XXXX XXXX/ {$440.00} i dont own this account have asked for it fo be deleted no response in 4 months * XXXX XXXX XXXX XXXX XXXX {$440.00} XXXX dont own this account has asked for it to be verified no verification was sent please delete its been 4 months no response * XXXX XXXX XXXX/ {$830.00} i dont own this account it been 4 months i have asked for it to be delete no response no verification of this account or anything please remove * Cb vicscrt account closed never was late this account been closed since 2024 please investigate and remove

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: NJ

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: IN

Complaint narrative:
These accounts are damaging my creditworthiness and are being reported without proper validation or verified proof of ownership. I have not received any documentation from these companies demonstrating that this debt is valid. 
Account XXXX : XXXX Account 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 non-monetary relief
Consumer complaint received 2025-10-14 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: IN

Complaint narrative:
These accounts are damaging my creditworthiness and are being reported without proper validation or verified proof of ownership. I have not received any documentation from these companies demonstrating that this debt is valid. 
Account XXXX : XXXX Account XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: CA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: CA

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 2025-10-14 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: TX

Complaint narrative:
Recently, I took the time to carefully review my credit reports, and I was alarmed to discover numerous inaccuracies that do not reflect my actual financial history. I have always prioritized paying my obligations on time, yet the way some accounts are being reported is inconsistent, misleading, and in several cases unverifiable. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and I request a thorough reinvestigation of the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Citi Cards XXXX Citibank XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Re : Cease and Desist & Debt Validation Request Account XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX )/ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am disputing the validity of the above-referenced account. Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), I demand : 1. Debt Validation Provide documentation proving your legal right to collect, including original signed agreements and full account history.

2. Cease & Desist Cease all communications with me regarding this account under 15 U.S.C. 1692c ( c ).

3. Credit Reporting Compliance Until validation is provided, you must not report or furnish this account to any consumer reporting agency. 

Failure to comply will result in formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the State Attorney Generals Office. 

Please respond within 30 days as required by law. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding THE GOLDEN XXXX CREDIT UNIONs failure to properly verify and correct inaccurate information reported on my credit file. 
Despite my dispute, the creditor allegedly verified the account as accurate with Experian, Equifax and Transunion yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. THE GOLDEN 1 CREDIT UNION has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported.

THE GOLDEN 1 CREDIT UNION 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 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Capital One Bank USA, N.A. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Cease and Desist & Debt Validation Request Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am disputing the validity of the above-referenced account. Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), I demand : 1. Debt Validation Provide documentation proving your legal right to collect, including original signed agreements and full account history. 
2. Cease & Desist Cease all communications with me regarding this account under 15 U.S.C. 1692c ( c ).

3. Credit Reporting Compliance Until validation is provided, you must not report or furnish this account to any consumer reporting agency. 

Failure to comply will result in formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the State Attorney Generals Office. 

Please respond within 30 days as required by law. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation