vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer 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 non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Chime Financial Inc
State: KS

Complaint narrative:
On XXXX XXXX my chime account was hacked through a virtual card chime provides. They also went into an account provided through Chime called MyPay which they took money from there. They took a total of {$820.00}. Then on XXXX XXXX after I changed my password and the virtual card someone went into my Chime account again and took {$720.00} from my account again and sent the money to the same XXXX XXXX acount again. I filed a complaint on the first transaction and it took them a total of 1 day to review the transaction and deny it. I have tried to file a dispute on the second transaction but it is still pending on my end and until it is completed I can not file a dispute with Chime. Since this my account has been overdrawn somehow a total of - {$680.00} when I called Chime on XX/XX/year> and talked to a representative about my account only to be sent from one representative to another and then finally being hung up on. This actually happened again when I called back. The person I talked to claimed they were unable to explain why my account was over drawn that much money considering they do not allow accounts to be overdrawn that much.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: NY

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-11-03 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: NY

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-11-03 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC
State: LA

Complaint narrative:
Formal Dispute of Debt -Demand Proof of Assignment of Contract I am writing to formally dispute inaccurate information being reported on my credit file. This my third attempt to dispute the alleged debt you are reporting. request under Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), which grants me the right to request the sources and documentation of any information reported about me. Under 15 U.S.C. 1692g ( FDCPA ) and U.C.C. Article 9, you are required to provide verifiable proof that you have a legal right to collect on this debt, including proof of an assignment of contract from the original creditor. 

I am requesting that you provide the original signed contract or application bearing my signature that verifies my responsibility for this debt, including proof of assignment of contract. Without this documentation, you are not legally permitted to continue reporting this account. 

Furthermore, if any third party has paid or assumed this debt, I request verified proof of that transaction. If you can not provide this documentation, I consider the reporting of this account to be fraudulent and demand its immediate removal from my credit report. 

Please consider this a formal complaint and a demand for validation. If you fail to respond with the requested documentation within 30 days, I expect the account to be deleted from my credit file. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: NC

Complaint narrative:
This is not a mistaken complaint. My credit report contains inaccuracies that are not accurate. These errors are severely impacting me negatively, and I demand they be corrected or removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: AL

Complaint narrative:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within XXXX  days.

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 2025-11-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I am filing this complaint because Capital One is furnishing false and inaccurate late payment information to the credit bureaus on my account ending in XXXX, despite the fact that I have never been late. Capital One has failed to provide any evidence or documentation supporting these alleged late payments. 

This is a direct violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S.C. 1681s-2 ( b ) Duty to investigate disputed information 15 U.S.C. 1681s-2 ( a ) Duty to furnish accurate information 15 U.S.C. 1681e ( b ) Maximum possible accuracy requirement Capital One has a legal obligation to correct, delete, or verify disputed information. Instead, Capital One continues to furnish these derogatory late payment notations without providing any verifiable proof, billing statements, payment logs, account histories, or any supporting documentation whatsoever.

If these late payments actually occurred, Capital One should easily be able to produce real evidence. They have not. Without such evidence, Capital One is knowingly furnishing unverified, harmful, and inaccurate data to consumer reporting agencies.

This reckless behavior is actively damaging my credit profile. Because of Capital Ones negligent furnishing practices, I am being impacted in : Credit approval decisions Housing opportunities Employment considerations Interest rate increases I am demanding that the CFPB : Require Capital One to provide documented evidence proving these alleged late payments.

Force Capital One to delete or correct any information that can not be verified with actual documentation.

Investigate Capital Ones failure to fulfill their legal reinvestigation duties.

Hold Capital One accountable for knowingly reporting unverifiable information that harms consumers.

If Capital One can not produce legitimate proof beyond generic system notes, these entries are false. Furnishing false derogatory information is illegal, and I am prepared to escalate this further as willful noncompliance.

I expect full oversight, transparency, and documented proof not automated responses or internal code excuses.

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: NC

Complaint narrative:
I am filing this complaint because Equifax is reporting inaccurate and unverifiable information on my credit report. 

Charged-Off Account XXXX XXXX, Account XXXX. XXXX This account is showing as charged off with a {$0.00} balance. I have not received any verifiable documentation from the creditor supporting the validity or charge-off status of this account. I am requesting that Equifax verify the accuracy of this information or remove it if proper validation can not be provided. 

Late Payments XXXX Account XXXX. XXXX XXXX, Account XXXX. XXXX XXXX, Account XXXX. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: TrueAccord Corp.
State: MD

Complaint narrative:
I have sent cease and desist letters. Company emailing a family member with my account details and information with social security number. Harassing sending 3 emails daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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 do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-11-03 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: PA

Complaint narrative:
I just checked my credit report again and I am extremely frustrated to see that the inaccurate accounts are still there. They were not removed at all, and I do not understand why. I am pleading that you carefully go through the documents I attached so I can finally stop worrying about this ongoing issue.

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 2025-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: DailyPay, Inc
State: MI

Complaint narrative:
Ive been having an issue with getting my account back open through Daily Pay Since XXXX. They STOP out of nowhere letting me get my earning from my XXXX that Ive been working for about a year now. Then Ive made mutiple calls trying to resolve the issue and to see what the problem was and they proceed to ask me for my check stub and work info and wait WEEKS for a response about how theyre gon na resolve it.. Then when I call they proceed to say they never got a response from me so the case has been cancelled out XXXX Then XXXX time a representative FINALLY helped me I want to say in XXXX after NUMEROUS of call and CLOSED and reopened my account back up and I thought things were fixed .. She told me just wait a few weeks for my earning to show and NOTHING .. Fast forward I called TODAY they proceed to keep asking for check stubs just to say they have to investigate and itll be a wait AGAIN .. I have NEVER felt or had a company do me this way and I feel discriminated against BIG TIME XXXX I feel as if they do not want me using theyre platform and they want me to forget about them but it is SO UNFAIR.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: AR

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % 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
Consumer complaint received 2025-11-03 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: Early Warning Services, LLC
State: NY

Complaint narrative:
I am writing regarding several inaccurate and unauthorized accounts that continue to appear on my Early Warning report. I have noticed that my personal information listed on the report is not fully accurate, and this seems to be contributing to these false accounts appearing under my name. I have been a victim of identity theft, and my information was used fraudulently without my authorization. As directed by Early Warning, I filed an FTC Identity Theft Report and provided all required documentation, yet these fraudulent accounts are still being reported. None of these accounts belong to me or have any connection to my banking history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: NJ

Complaint narrative:
I am filing this complaint because XXXX XXXX Bank is reporting inaccurate late payment information which TransUnion continues to publish even after dispute. I am not disputing account ownership. I am disputing the accuracy of the reporting and the lack of proper verification. The late payment entries listed below are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX, Late payments reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Under 15 USC 1681e ( b ), TransUnion is required to report information with maximum possible accuracy. Under 15 USC 1681b, information may only be furnished with permissible purpose. If the information is inaccurate or unverifiable, the bureau must correct or remove it. I already sent dispute notice to the furnisher on XX/XX/XXXX, with tracking number XXXX, and the errors were not corrected. I also attempted to file a new FTC report to attach to this complaint, but the FTC website is currently shut down. This inaccurate reporting is actively harming my creditworthiness, affecting my ability to obtain financing and stable housing. I request immediate correction.

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 2025-11-03 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: NY

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: PA

Complaint narrative:
I noticed some inaccuracies on my credit reports that seem to be affecting my ability to get credit, as I've recently been denied by a few creditors. I'd really appreciate it if you could take a closer look at the accounts and inquiries in question. As you know, it's important that the information reported is accurate, so I kindly ask that you investigate and update the records as needed. I'm hoping we can get this sorted out smoothly and avoid any further issues down the line.

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