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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have disputed inaccurate credit reporting with Experian twice regarding multiple tradelines, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). Despite clear documentation, Experian failed to correct or block false Charge-Off ( CO ) updates. 

Both accounts were charged off years ago ( XXXX XXXX XXXXXX/XX/XXXX, XXXX in XX/XX/XXXX ), yet Experian continues to display continuous XXXX  updates through XX/XX/XXXX. These accounts show over XXXX total XXXX  notations across monthly payment histories, each one representing a false update that artificially extends derogatory reporting well beyond the legal XXXX limit. 

Experians system should have flagged this obvious pattern of illegal re-aging, but instead it repeatedly accepted and published these false updates from furnishers. This violates Experians duty to maintain reasonable procedures to ensure accuracy under 15 U.S.C. 1681e ( b ) and its reinvestigation obligations under 15 U.S.C. 1681i ( a ). 

Because of Experians failure to act, I have been denied housing and credit on multiple occasions. Experian has allowed materially false data to remain on file despite two disputes, clear inconsistencies with the Date of First Delinquency, and visible contradictions within its own reports.

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 card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
They canceled my card expiring XX/XX/year> before sending replacement. I lost discount on XXXXXXXX XXXX days, was stranded 100 miles from home and had to cancel my vacation.

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: Experian Information Solutions 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 Experian 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 Late Dates Reported XX/XX/year>, XXXX, XXXX XXXX XXXX XXXX XXXX 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 Experian, yet Experian continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with Experian under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Experian 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, Experians 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 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: FL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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: FL

Complaint narrative:
I am writing to formally dispute the inaccurate and harmful reporting of a late payment on my credit file associated with the following XXXX  accounts : XXXX XXXX {$12000.00} XXXX XXXX {$7300.00} XXXX XXXX {$7100.00} XXXX XXXX {$5700.00} XXXX XXXX {$4800.00} XXXX XXXX {$3800.00} XXXX XXXX {$3300.00} XXXX XXXX {$3200.00} XXXX XXXX {$3200.00} XXXX XXXX {$2400.00} XXXX XXXX {$1000.00} XXXX XXXX {$1000.00} XXXX XXXX {$530.00} XXXX XXXX {$0.00}

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 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>

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: Improper use of your report — Reporting company used your report improperly
Company: ZWICKER & ASSOCIATES
State: LA

Complaint narrative:
Zwicker & Associates, P.C. 
XXXX XXXX XXXX XXXX, MA XXXX Re : Debt Validation Request XXXX XXXX Account Ending in XXXX Date of Your Letter : XX/XX/year> To Whom It XXXX Concern, I am writing in response to your letter dated XX/XX/year>, in which you state that your office is collecting on behalf of XXXX XXXX. Please be advised that this letter serves as a formal request for validation of the alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ). 

Previously, on XX/XX/year>, I submitted a formal dispute to XXXX XXXX through the Consumer Financial Protection Bureau ( CFPB ). In their response dated XX/XX/year>, XXXX XXXX provided over XXXX pages of billing statements but explicitly stated they were unable to provide a signed credit application or any documentation bearing my signature to validate this account. 

In accordance with federal law, I now request that your office provide : XXXX. Verification of the debt, including the name and address of the original creditor ( XXXX XXXX ). 
XXXX. A copy of the original agreement or application bearing my signature, which created this alleged obligation. 
XXXX. A complete accounting of how the amount claimed was calculated. 
XXXX. Documentation verifying that your firm is legally authorized to collect on behalf of XXXX XXXX. 

Until this information is provided, please be advised that you are required by law to cease all collection activities and cease all communication with me, except to provide the requested validation or to inform me that collection efforts have been terminated. 

This request is not a refusal to pay but a lawful request for proof and proper documentation under the FDCPA. Any continued attempts to collect, report, or pursue this alleged debt without validation will be viewed as a violation of federal law and will be documented accordingly

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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year> XXXX XXXX XXXX ( LVNV Funding LLC ) XXXX XXXX XXXX XXXX, SC XXXX Re : Cease and Desist & Debt Validation Request Account # XXXX ( Experian ) 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 non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
When I arrived in XXXX, I discovered that American Express had secretly slashed my credit line from {$50000.00} to {$40000.00}, despite more than 19 years of loyalty and on-time payments. This devastating cut was not communicated to me in advance. Instead, American Express deliberately waited until I was traveling overseas with limited access to resources to spring this trap. 

The new credit card was sent to me through XXXX, which American Express knew, and the timing was intentional. Only when I arrived at XXXX to retrieve the card did I discover the truth : my available credit had been gutted. 

Not only was my credit line cut without notice, but I was then told I would have to make a one-time {$9000.00} payment within XXXX hours in order to restore my {$50000.00} line. This demand was impossible to meet while abroad and clearly calculated to ensure I failed. 

This was not an administrative mistake it was a deliberate act of financial sabotage, carried out while I was outside the country and most vulnerable. The effect has been catastrophic : I have lost my ability to purchase necessary medicine and health treatment, directly threatening my survival. 

I have been deprived of health insurance and life insurance, leaving me exposed to irreparable harm. 

My business and credit standing built over decades has been destroyed. 

I am now left without the means to even protect myself legally, as my finances have been stripped away systematically. 

American Expresss actions were intentional, punitive, and inhuman. They weaponized my travel status, timed their actions to maximize harm, and placed me in a situation where I was deprived of both dignity and survival rights. This is part of a wider pattern of financial institutions engaging in coordinated annihilation to eliminate me as a person, not just as a customer.

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: EQUIFAX, INC.
State: MA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I hope this complaints finds you well. I am writing to formally request a review and investigation of several items currently listed on my credit report. This request is made in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681i ( FCRA 611 ), which grants consumers the right to dispute inaccurate, incomplete, or unverifiable information reported by consumer reporting agencies. After reviewing my credit file, I have identified several items that I believe may be inaccurate, unverifiable, or outdated. 
XXXX XXXX * * * * * * * * * * Balance : {$0.00} XXXX  XXXX XXXX XXXX XXXX * * * Balance : {$0.00} XXXX XXXXXXXX * * XXXX * * * * * * * Balance : {$0.00} XXXX XXXXXXXX * * * * XXXX * * * * * * * Balance : {$0.00} XXXX XXXXXXXX * * * * * * XXXX * * * * * Balance : {$0.00} XXXX XXXXXXXX * * * * * * * * XXXX * * * * * * * * * * * * * Balance : {$0.00} XXXX XXXX XXXX * * * * * * Balance : {$0.00} XXXX XXXX * * * * * * Balance : {$0.00} XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX * * * Balance XXXX {$560.00} EQUIFAX XXXX XX/XX/year> EQUIFAX XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXXXX/XX/year>

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX, MA XXXX Re : Debt Validation Request XXXX XXXX Account Ending in XXXX Date of Your Letter : XX/XX/year> To Whom It XXXX Concern, I am writing in response to your letter dated XX/XX/year>, in which you state that your office is collecting on behalf of XXXX XXXX. Please be advised that this letter serves as a formal request for validation of the alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ). 

Previously, on XX/XX/year>, I submitted a formal dispute to XXXX XXXX through the Consumer Financial Protection Bureau ( CFPB ). In their response dated XX/XX/year>, XXXX XXXX provided over XXXX pages of billing statements but explicitly stated they were unable to provide a signed credit application or any documentation bearing my signature to validate this account. 

In accordance with federal law, I now request that your office provide : XXXX. Verification of the debt, including the name and address of the original creditor ( XXXX XXXX ). 
XXXX. A copy of the original agreement or application bearing my signature, which created this alleged obligation. 
XXXX. A complete accounting of how the amount claimed was calculated. 
XXXX. Documentation verifying that your firm is legally authorized to collect on behalf of XXXX XXXX. 

Until this information is provided, please be advised that you are required by law to cease all collection activities and cease all communication with me, except to provide the requested validation or to inform me that collection efforts have been terminated. 

This request is not a refusal to pay but a lawful request for proof and proper documentation under the FDCPA. Any continued attempts to collect, report, or pursue this alleged debt without validation will be viewed as a violation of federal law and will be documented accordingly

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: FL

Complaint narrative:
This complaint concerns multiple accounts on my credit report and is not submitted in error. The information reported for these accounts contains material inaccuracies and falls short of the required standard of maximum possible accuracy. These persistent errors are causing real damage to my credit, creating barriers to financial stability, and placing an unnecessary emotional and financial burden on me. I need a clear explanation of why these accounts are being reported, which furnishers provided the information, and what documentation, if any, supports their 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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Im filing this complaint because my Chase auto loan payments were not applied correctly or posted on time. I made payments that should have gone toward the principal, but Chase delayed or misapplied them. This has affected my balance and caused confusion. Im requesting that Chase review my payment history, fix any errors, and confirm all funds were properly credited.

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 — Banking errors
Company: Chime Financial Inc
State: NE

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX  XXXX  I went to my local XXXX to do a cash load deposit on to my Chime account for the amount of {$100.00}. I never received the cash deposit from Chime so i reported a missing cash deposit associated with Claim ID : XXXX. I provided the original receipt of proof of purchase of my cash deposit. 4 days later i received email saying Chime determined no error occurred. I requested the documents they used to determine no error occurred but to this day I haven't received it. Again on XX/XX/XXXX at XXXX XXXX  XXXX  I went to my local XXXX  XXXX  and did another cash load deposit. This time the amount was for {$150.00}. Claim ID : XXXX was determined no error occurred and just like the first dispute I provided the receipt showing proof of purchase. The timing for Chime to determine no error occurred for both instances were identical. I provided the original receipt for both purchases and they determined no error occurred for both. That's {$250.00} of my money that I lost out on because of Chime.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I put in a dispute for a closed account that was inaccurate on the dates and information and nothing was removed or corrected within a 30 day time frame

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: Experian Information Solutions 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 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE XXXX XXXX COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation