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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally submit a complaint regarding multiple inaccuracies and misleading entries on my credit report, which have caused significant distress and negatively impacted my creditworthiness. Despite my efforts to resolve these matters directly with the reporting entities, the issues remain uncorrected. 

The specific items of concern are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$560.00} Issue : Reported as a late payment which is inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$590.00} Issue : Reported as a late payment, which is incorrect. 

XXXX XXXX * * * * Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : Reported as charge-off, inaccurate. 

XXXX XXXX XXXX XXXX XXXX * * * * Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : Reported as charge-off, which is erroneous. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : Reported as charge-off, incorrect. 

XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$5100.00} Issue : Reported as collection, which I dispute. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$110.00} Issue : Reported as charge-off, which is false. 

Bankruptcy Reference # XXXX Court XXXX Federal Issue : Reporting of this bankruptcy contains inaccuracies. 

Additionally, there are multiple unauthorized or incorrect inquiries on my report, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and others. These inquiries were made without my consent and should be removed. 

I request the CFPB to investigate these matters and ensure that all inaccurate, misleading, and unauthorized items are corrected or removed from my credit report. 

These inaccuracies have caused undue harm to my credit profile, and I expect urgent resolution in accordance 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: 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:
I am submitting this report due to inaccuracies on my credit report stemming from a system error, as confirmed by Equifax, which resulted in my personal information being leaked and used improperly. Ive been denied credit because of this issue, and I request immediate correction within XXXX business days.

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

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 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 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: EQUIFAX, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: MI

Complaint narrative:
unauthorized withdrawals from my Chime account that were processed through XXXX XXXX under the name XXXX XXXX. These transactions were not authorized by me in any way. A couple of months ago, I was the victim of an assault in which my phone and wallet were stolen. Because of this, I was unable to access my Chime account until recently, due to delays in recovering my old phone number with my carrier. On XXXX, when I finally regained access, I discovered multiple withdrawals from the merchant XXXX XXXX that I never approved. I immediately filed a dispute with Chime. Under the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693 et seq., and Regulation E ( 12 C.F.R. Part 1005 ), consumers are protected from liability for unauthorized electronic fund transfers, provided they are reported promptly once discovered. Since I reported these transactions immediately upon gaining account access, I am exercising my rights under these laws and respectfully requesting a full refund for the unauthorized withdrawals. Given the circumstances, I trust Chime will uphold its obligations under federal law to resolve this matter promptly and restore my funds. Please confirm receipt of this letter and provide an update on the status of my dispute. Thank you for your attention and cooperation.

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: MO

Complaint narrative:
Honestly, Ive had major issues with Zelle. I reported multiple discrepancies, but both my bank and Zelle didnt really look into my claims the way they shouldve. They told me it was impossible to recover my lost funds and that tracking the transactions wasnt even doable. 

From what Ive read, the CFPB found that Zelle hasnt done enough to protect users theyve basically allowed repeat scammers to keep taking advantage of the system. Thats not okay. There needs to be way more accountability and transparency because this kind of negligence leaves people like me vulnerable. 

I actually want the CFPB to share my experience on their site so others can learn from it. Theyll remove my personal info, but I still want my story out there to bring awareness to how unsafe this has become.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this 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 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
The record incorrectly reflects late payments even though it was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
Companies Involved XXXX XXXX XXXX XXXX XXXX XXXX XXXX  LVNV Funding LLC ( Debt Buyer ) -- - Summary of Complaint : I am filing a complaint against the above entities for violating my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ).

All three credit bureaus are reporting a collection account from LVNV Funding LLC, which is inaccurate, unverifiable, and misleading.

Disputed Account Details : Creditor/Collector : LVNV Funding LLC Original Creditor : XXXX XXXXXXXX XXXX XXXX Balance : {$2400.00} Date Opened : XX/XX/year> -- - Specific Issues : The credit bureaus have failed to ensure maximum possible accuracy as required by FCRA 607 ( b ).

I submitted disputes to each bureau under FCRA 611 ( a ) ; none provided competent evidence verifying the debt.

LVNV Funding LLC has not provided proper debt validation as required under FDCPA 809 ( b ).

The continued reporting of this unverifiable debt constitutes false and misleading collection activity under FDCPA 807. 

This reporting has lowered my credit score and caused measurable financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I was approved for 4-5 cards from Synchrony bank in XXXX of XXXX. ( When my credit was worth applying for these accounts ). On XXXX, XX/XX/XXXX, my credit score dropped substantially. I had no idea why seeing that all of my credit cards are paid manually at specific times of the month ( I record each in my calendar ). I have nearly no missed payments since ive established credit. ( Credit age is at least 10 years ). Ive also had no accounts arbitrarily closed for being in bad standing. Anyway, my score dropped and on XXXX I noticed One of the cards, a XXXX XXXX  card, was closed through my XXXX XXXX. I figured it had something to do w the credit score dropping significantly at this point, I called XXXX and they actually said they saw it still open. They told me to call synchrony bank. I did. I spoke to them, asked if I could speak to a manager ( no was their reply at that time ) and they said they closed this account And the 4 other accounts! One of which I havent used in a few years. The only account with any extended credit was the XXXX account I had just opened! However due to significant decrease in my credit limit ( nearly {$20000.00} ), my score dropped XXXX points. I still wasnt allowed to speak to anyone in charge, I personally dont want to at this point. ( The accounts werent going to be used- they were there for utilization ). Seeing that synchrony has been forced to pay investors millions of dollars starting XXXX, due to deceptive marketing practices I feel that they really missed the mark here. I share the belief that their marketing is absurdly irrational as they essentially allowed me to open 4 accounts which I did when my score was good. Now Im stuck w the hard inquiries I strategically accepted as a cost to benefit analysis. Im further burdened w a drop of XXXX credit points AND A closure of an older card ( XXXX XXXX, making it a total of 5 accounts closed ) NOT part of my decision. On the phone They basically stated that I WAS a risk, and the letter will tell me more when I receive it in a week. The score drop had nothing to do with my consistent payments on nearly 40 total accounts!! Instead it had to do with their algorithm? And they caused this by improper oversight - after all what is the point of credit if you can not strategically use it when you know you work hard for a sense of worth? Theyre the risk, as their now having to pay back investors for deceptive marketing practices,, what really is the point to to allow me to open new accounts when my oldest account was in good standing for MANY years? If Not but for THEIR deceptive practices to only CANCEL the new accounts AND the oldest one just a month after I opened them.

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 2025-10-10 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hello, I'm writing this complaint for the second time. I contacted your organization a dispute last month, in which I explicitly stated the accounts that were fraudulent and in question ; yet, there are still accounts on my credit report that should be removed.

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 2025-10-10 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Hello, I'm writing this complaint for the second time. I contacted your organization a dispute last month, in which I explicitly stated the accounts that were fraudulent and in question ; yet, there are still accounts on my credit report that should be removed.

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: EQUIFAX, INC.
State: FL

Complaint narrative:
Pursuant to Section 611 of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which establishes the procedure for disputing inaccurate credit information and requires a reasonable reinvestigation within 30 days, I am submitting this formal dispute regarding the following account being inaccurately reported by Equifax : Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Upon reviewing my Equifax credit report, I noticed that this account reflects XXXX late payments for XX/XX/XXXX and XX/XX/XXXX. These entries are inaccurate, as both payments were made on time and verified by my payment records. 

Under FCRA 607 ( b ), Equifax must ensure that all data furnished in consumer credit reports is complete, accurate, consistent, and verifiable, following the standard of maximum possible accuracy. The late-payment notations for these months are false and unsupported by any legitimate records. 

Enclosed are copies of my payment confirmations and account statements clearly demonstrating timely payments. I have also attached a copy of my Equifax credit report with the disputed items highlighted for clarity. 

In accordance with FCRA 611 ( a ) ( 1 ) ( A ), I formally request that Equifax : Conduct a full reinvestigation of this account within the statutory XXXX period. 

Contact the furnisher XXXX XXXX XXXX XXXX ) to verify payment records for XX/XX/XXXX and XX/XX/XXXX. 

Correct these entries to reflect Paid on Time.

If the furnisher fails to verify these notations with objective documentary evidence, delete the entries entirely per 611 ( a ) ( XXXX ) ( B ).

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

Complaint narrative:
b'Despite multiple prior dispute attempts and evidence of fraud, the following negative accounts remain improperly listed on my credit report and must be immediately deleted to ensure compliance with federal lawXXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I financed the total amount {$2900.00} from XXXX XXXX ( Company ) in XXXX of XXXX. I was to pay it all off in XXXX years and there will be no interest. The bill due date was on the XXXX of every month. So I thought the last payment I will make is on XX/XX/XXXX but suddenly they moved the last payment date to XX/XX/XXXX which I am realizing now to trick me so that my last payment if not done within XXXX then they will put interest charges. By XX/XX/XXXX I have paid them total {$3200.00} ( financed amount was {$2900.00} ), So I paid them {$280.00} more than I owed them by the end of XXXX years. The billing statement that they sent me in XXXX ( attached ) had a new bill amount saying its Interest Charge on Purchases {$1800.00} and Total Interest for this period is {$1800.00} ( highlighted on the statement ). The new charges as of XX/XX/XXXX are {$2200.00}. I tried to resolve this matter with the company since the month of XX/XX/XXXX, more than XXXX times but they are rude and threatening me and even if I tried to talk to the manager, they will say the same thing that I have to pay this amount. Financed amount {$2900.00} but if I pay what they are asking for then I will end up paying them $ XXXX $ XXXX {$5000.00}. It's not fair how they have trapped me. Please help resolve this.

Company response to consumer: Closed with explanation
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 — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I called Capital One bank ( XXXX card ) number customer service to close my card on XX/XX/XXXX. On XX/XX/XXXX it was showing that it went through on capital ones app. Then the lady said that I need to wait for XXXX billing circles for my deposit. A month later and I still have not received my refund mailed to me. Today, on XX/XX/XXXX I called back to find out what is going on. They are telling me that it might take additional time for them to send me the check and that they will try to send it today. I think I'm being scammed by their company and they don't want to refund my money back. Person hang up on me in the middle of conversation and was a supervisor and I was transferred to XXXX other people with no further assistance

Company response to consumer: Closed with 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within XXXX ( XXXX ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

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

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

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

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 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
The fair resolution is the permanent deletion of all inaccurate late payment entries for the listed accounts, as no proper billing notices or due date documentation were ever provided. I am requesting a full reinvestigation, deletion of any unverifiable late payments, and issuance of a corrected credit report with written confirmation. 

Account Details : 1. XXXX Account Number : XXXX

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: CBC Companies, Inc.
State: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief