vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-09 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: IL

Complaint narrative:
I am filing this complaint because Experian continues to report inaccurate and unverifiable information provided by XXXX XXXX XXXX XXXX despite multiple prior disputes and written verification requests. 

The account in question is : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Reported Balance : {$5500.00} I have submitted more than XXXX formal disputes requesting a Method of Verification ( MOV ) and Full Billing Disclosure ( FBD ) under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). However, Experian has failed to provide any documentary proof showing how this information was verified or what evidence was used to confirm its accuracy. 

The alleged late payments remain on my report, yet neither Experian nor the furnisher ( XXXX XXXX XXXX Vacations ) has provided original billing statements, payment history, or proof that these late payments actually occurred. The only documents I received referenced unrelated charges, such as cleaning fees, which do not match the reported account data. 

This ongoing reporting of unverified information violates FCRA 611 and 623, which require consumer reporting agencies and furnishers to investigate, verify, and ensure the accuracy of all reported data.

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 2025-10-09 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:
I am disputing XXXX  XXXX  account and XXXX XXXX account that are appearing on my TransUnion credit report. These accounts contain inaccuracies in the way they are being reported. I have already submitted factual disputes directly to TransUnion and previously filed a complaint through the CFPB, yet these accounts still remain on my report without being corrected or deleted. 

I am requesting that TransUnion conduct a proper reinvestigation of these accounts. If the data furnishers can not fully verify the accuracy and ownership of the reported information, these accounts should be deleted from my credit report in compliance with the Fair Credit Reporting Act ( 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 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX  ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency.

FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. 
Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

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 2025-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
I am writing to formally express my concerns regarding chimes handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using chime numerous times and reporting discrepancies, my financial institution and chime failed to investigate my claims adequately. They informed me that recovering lost funds is impossible and that tracking these transactions was unfeasible. The CFPBs finding indicate that chime has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: SC

Complaint narrative:
It has come to my attention that my personal information was compromised in a national data breach, along with several others. Upon reviewing my credit reports, I discovered multiple names, addresses, phone numbers, employer information, and accounts that I do not recognize or authorize. I have formally requested debt validation from all three major credit reporting agencies ; however, the requested verification has not been provided. Due to my personal data being exposed, I have filed an official FTC Identity Theft Complaint to document and report the unauthorized information reflected on my credit reports. Please find attached the following supporting documentation for your review : A copy of my government-issued identification A recent utility bill for address verification A copy of the FTC complaint XXXXXXXX XXXX XXXX XXXX XXXX XXXX  reports confirming the exposure of my information through data breaches A copy of the debt validation letter previously sent to the credit agencies I respectfully request that this matter be investigated promptly and that any unauthorized or unverifiable accounts be removed from my credit file to ensure accuracy and compliance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland Credit Management has contacted XXXX family members regarding collecting debt. I told them the first time not to do this and gave them all my contact information. They have done it again and again today XX/XX/2025 was another day that they are harassing my grandma for me to call them. Not once have I received an email or call from them regarding any matter. I have been in compliance with a debt in the past and have requested written verification of 2nd debt so I can comply. They keep harassing my family even though they are able to get in touch with me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
b'I am writing to formally submit a complaint regarding multiple inaccuracies and potentially unfair reporting on my credit report. Despite my diligence in maintaining my accounts responsibly, the following accounts and inquiries have been reported incorrectly, negatively impacting my creditworthiness:\n\nAccounts with Incorrect Late Payments / Collection Reporting: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 XXXXI dispute these reports as they are inaccurate and misleading. Some of these accounts were never late, incorrectly reported, or never authorized inquiries. The collection account listed is also erroneously reported.\n\nI request the CFPB to investigate these discrepancies with the respective credit bureaus and creditors, and to ensure that my credit report is corrected to reflect accurate and fair reporting. I also request that all incorrect late payments, collection entries, and unauthorized inquiries be immediately removed from my credit report.\n\nEnclosed are copies of supporting documents verifying the accuracy of my accounts and the errors in 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 non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Self Financial Inc.
State: MD

Complaint narrative:
I've had my Self XXXX  Credit Card since XXXXXXXX XXXX XXXX  but have rarely used it until recently. After making a few purchases on the card, I went ahead and turned on the auto pay option so that I wouldn't forget to make the payment since I don't normally use the card. After that I went about my business as usual. A few weeks later as I was reviewing my monthly bills and balances, I went ahead and made payments to each of my cards where upcoming payments were due soon. Usually, when I set up auto pay, the autopay doesn't kick in unless you haven't made at least the minimum payment due on the card for that month. So yesterday I get a notification on my phone from my bank saying that I just made a payment to SELF LENDER for {$500.00}. I thought to myself this has to be an error somewhere in someone's system because there's no way I made a payment for that amount especially on that card. So when I go and open my Self app on my phone I check the payment and to my surprise it actually was for {$500.00}. I immediately reached out to Self and asked them to stop the payment that had just happened within a few hours ago and they said that unfortunately it was too late. Come to find out, their autopay feature has two options to select from. Option 1 where you pay the minimum balance on autopay and option number 2 where you pay the full balance on your credit card on autopay. It seems as if when you select auto pay with Self the preselected option is to pay the balance in full because I don't even remember being asked to choose between the two. Then to make matters even worse when the payment didnt go through the first time, I reached back out to Self and asked pretty much was that it and did I dodge the bullet? Their answer was no unfortunately not, even though I went back in and canceled the autopay on my Self account after seeing the payment was made, Self said that their autopay system would automatically retry to process the full balance of my credit card to my checking account XXXX more times more than likely on the XXXX of this month and the XXXX of the following month and each time that the payment fails a {$15.00} fee will be charged. To me this seems to be extremely predatory and unfair practices that Self Lender is participating in with their misleading autopay policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.

Complaint narrative:
On XX/XX/year> I disputed XXXX charges made to XXXX XXXX ( {$45.00} & {$190.00} ). Cashapp has resolved and returned the {$45.00} but has not refunded the {$190.00}. It has been over 45 days, even past the 10 day limit Cash App has refused to provide a provisional credit per Regulation E. When asking for updates past the 45 day mark, manager said there are no current updates and that when there is I receive an app notification. Cashapp has failed to follow the regulations for ETF transactions and disputes by not providing an update or provisional credit within and after 10 days, and for exceeding the 45 resolution timeframe without formal updates or provisional credits being provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. XXXX informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: CA

Complaint narrative:
The entry in question is not reflective of my payment practices and appears mistaken. Please review and correct 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 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Name on my Equifax credit report is wrong. I have sent in all the documentation to the company via mail as instructed but nothing has changed preventing me from opening any line of credit due to the name on my report being wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: IN

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 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

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 2025-10-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I provided the dealership on with a credit application for a consumer credit transaction under beneficiary on XX/XX/year> at XXXX XXXX XXXX XXXX XXXX  with an application under the Federal Reserve Act sect 16. My application was wrongfully denied, rejected, and had caused great harm to me and my ability to live and operate in commerce freely. This is a clear violation of my unalienable rights, to use my credits, benefit from my cesti que trust as beneficiary. Which I did establish in my original application. I did not receive equal collateral compensation. I was in full authority of the beneficiary and their fiduciary duties have been breached and violated. Per Sec. 29 of the Federal Reserve Act.

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 2025-10-09 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:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXXXX/XX/XXXX Florida XX/XX/XXXX XXXX ( Last Four ) XXXX Date : XX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Subject : Identity Theft and Fraudulent Account Dispute Account Name : XXXX XXXXXXXX XXXX Account Number ( Partial ) : XXXX Original Creditor : XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to formally dispute the accuracy and validity of the above-referenced account appearing on my credit file. I am a victim of the recent TransUnion data breach, which exposed my personal and financial information to unauthorized parties. As a result, I believe this collection account was fraudulently opened and/or reported as a direct consequence of that data breach. 

Under 15 U.S.C. 1681c-2 ( Section 605B of the Fair Credit Reporting Act ), I am requesting that this fraudulent collection account be blocked from my credit report immediately. This section requires credit reporting agencies to remove or block any information resulting from identity theft once the consumer provides proper notice. 

Enclosed are the following documents to support my claim : 1. A copy of my government-issued ID 2. Proof of address ( utility bill or bank statement ) This account is not mine, and I did not authorize The XXXX XXXX, XXXX XXXX XXXX, or XXXX XXXX to open or report this account in my name. Please conduct an investigation in compliance with the Fair Credit Reporting Act and remove this account permanently from my file. 

Please send me written confirmation once the item has been deleted or blocked from my credit report. If additional information is needed, you may contact me directly at XXXX or by mail at the address listed above. 

Thank you for your prompt attention to this serious 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 non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: FL

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

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS AS LATE

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