vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NC

Complaint narrative:
Only XX/XX/year>XXXX  out of no where my account was compromised. Somehow Cashapp with the parent company square has allowed a hacker or scammer to access my account without my permission and steal {$350.00} dollars out of my account. I had all cards deleted and no funds was in my cash app account. The hacker stole my cash app information and then used cash app to directly steal {$350.00} from my personal checking account. I want my money back immediately. I do not know or ever heard of the account the money went to and did not authorize the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I am disputing invalid inquiries reported by XXXX  on my credit report. This inquiries is inaccurate, unverified, and violates the Fair Credit Reporting Act ( FCRA ). Since it does not meet the legal standards for reporting, I request its immediate removal. If the furnisher can not provide proper validation, it must be deleted per federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
XX/XX/year> Subject : Formal Complaint, Inaccurate Credit Reporting by XXXX, XXXX  To Whom May Concern, I am filing this complaint regarding inaccurate and unresolved credit reporting by [ XXXX  / XXXX  ], which is negatively affecting my credit. 

I co-signed an auto loan for my daughter with Ally under account number XXXX. She consistently made all payments on time until the vehicle was traded in, and the loan was fully paid off. However, my credit report is showing missed or late payments on this account, which is entirely inaccurate. 

I previously filed a dispute with XXXX, but the dispute was denied, even though I provided evidence showing the loan was paid in full and no payments were ever missed. I believe this is a violation of the Fair Credit Reporting Act ( FCRA ), as the bureau has failed to correct inaccurate information after a proper dispute. 

I respectfully request that the CFPB assist in having this matter reviewed and corrected by the credit bureau and/or the lender. The false information is causing unfair harm to my credit and was not based on any factual evidence of delinquency. 

Thank you for your attention and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: LA

Complaint narrative:
I've disputed this charge from XXXX XXXX with Experian on several occasions XX/XX/year>, XX/XX/year>, and XX/XX/year>XXXX  about this being a false charge. This was a collection agency from a debt that is paid in full to the original debtor. I've provided proof that this balance is paid in full and that this is false reporting. No investigation was done, I have not received any information or statements from the credit bureau that a proper investigation is done. I have worked really hard to clear all negative items off my credit report and I feel that I am being treated unfairly because there is legitimate proof that no debt is owed. I plan on reporting this to my state attorney and will take legal action. This is hindering me from being able to purchase a home. It is false reporting. I've disputed this item online, and through certified mail, with all of the necessary proof.

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 2025-07-09 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-07-09 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:
A FCRA infringement alludes to an infringement of the Fair Credit Detailing Act ( FCRA ), which is a government regulation that directs the assortment, spread, and utilization of customer credit data. You're supposed to guarantee 100 percent accurate data on my credit reports. I've endured harm because of this FCRA infringement Im entitled to compensation for this violation which I would prefer in the form of DELETIONS otherwise I'll have to forward it to my legal counsel. These accounts listed in my letter are not 100 % correct and I demand them to be REMOVED immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
I know under the section code 15.U.S.C 1692 ( C ) I have the right to get these items removed from my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Synchrony Bank closed my XXXX XXXX XXXX Credit Card without notice. I had never been XXXX days late. I made consistent, large payments including {$500.00}, {$1000.00}, and {$450.00} on XX/XX/year>. Just one day earlier ( XX/XX/year> ), they sent a standard payment reminder. They had reduced my credit limit from {$6000.00} to {$4200.00} without warning, then used high utilization ( which they caused ) as the reason to close the account. 

I submitted a secure message to request reinstatement or, if not reinstated, that they report the account as Closed by Consumer Paid in Full No Delinquency. This closure has disrupted my business and I received no explanation or engagement until a generic letter. I am requesting fair resolution, either via reinstatement or correction to the credit file to protect my standing.

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 2025-07-09 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: GA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, sham investigations, misrepresentation of credit scores and refusal to properly reinvestigate public records. These failures align with my experience. Experian has neither corrected nor removed disputed items despite the evidence I provided. 

I am filing a complaint because Experian is reporting late payments on my account that are inaccurate and not properly verified. I have disputed this directly with the credit bureau and the furnisher but the late payments remain without proper validation or documentation. 

Under 15 USC 1681s-2 a furnisher must report accurate information. Under 15 USC 1681i the credit bureaus must perform a reasonable investigation within 30 days. Neither of them have provided sufficient evidence to support negative 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 2025-07-09 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: WA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: AZ

Complaint narrative:
CFPB Complaint Equifax Failed to Provide Supporting Documentation ( FCRA Violation ) Date : XX/XX/year>XXXX  I am submitting this complaint because Equifax failed to provide proper documentation in response to a formal dispute I submitted via certified mail on XX/XX/year>. Although Equifax mailed me a response stating that the account had been " validated, '' they did not include any supporting documents, such as a contract, signed agreement, or original creditor statement, to justify this claim.Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed accounts and provide the consumer with the results of that investigation. Simply stating that a debt has been validated without providing any documentation does not meet that requirement.I am requesting that the CFPB investigate Equifaxs failure to comply with the FCRA and require that the unvalidated account be removed from my credit file.Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX Account # XXXX Charged off lease with {$2500.00} balance and {$1500.00} past due as of XX/XX/year>. 
XXXX XXXX Account # XXXX Charged off auto loan with {$7200.00} balance and {$4400.00} written off. 
XXXX XXXX XXXX Account # XXXX Credit card charged off with {$490.00} balance and multiple late payments. 
XXXX XXXX Account # XXXX Secured loan charged off with {$270.00} past due and over 60 months of derogatory reporting. 
XXXX XXXX XXXX  Account # XXXX Charged off secured card with {$110.00} balance and multiple missed payments. 
XXXX XXXX XXXX Account # XXXX Secured loan closed with XXXX late payments before closure. 
XXXX XXXX XXXX  Account # XXXX Secured loan closed with XXXX late payments on record.

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 2025-07-09 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: OH

Complaint narrative:
XXXX XXXX continues to flag my credit report as derogatory even though my accounts are paid in full and closed. I am unable to obtain a home loan because of negative remarks from 2022. I no longer have business with XXXX  XXXX and I have disputed these numerous accounts continuously with all XXXX credit bureau agencies. Please remove these closed accounts from all XXXX of my credit reports. TRANSUNION XXXX  and XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: OH

Complaint narrative:
XXXX  XXXX continues to flag my credit report as derogatory even though my accounts are paid in full and closed. I am unable to obtain a home loan because of negative remarks from 2022. I no longer have business with XXXX  XXXX and I have disputed these numerous accounts continuously with all XXXX credit bureau agencies. Please remove these closed accounts from all XXXX of my credit reports. XXXX  EQUIFAX and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MN

Complaint narrative:
I had my device hacked or cloned. The charges occurred on my virtual card ending in XXXX. I had most of my debit/credit cards in the XXXX XXXX XXXX  My physical Chime card was not compromised but I requested a new card anyway. I received no notifications or emails regarding the XXXX wallet or XXXX XXXX usage from any company. Once I found out what happened with my account I had to file disputes, and a police report, change passwords and get new cards ( virtual and physical ). I contacted Chime to tell them that I was filing a police report and the multiple charges were fraudulent. In regards to dispute number XXXX and # XXXX. Dispute number XXXX was to XXXX XXXX  for {$95.00} and {$25.00}. I updated the dispute to remove a charge we discovered was mine, we also updated the police report to reflect that. The first time I filed the report I had just done it online and it was quite confusing. I disputed the transactions with both companies. XXXX was the first dispute that was denied. I had sent them the original police report ( which has 2 supplemental additions which Im waiting for my copy ). I asked them to reconsider and send me all the documentation. The second time XXXX was completed just as quickly as the first dispute. The police continue to investigate but so far we know it was cloned and multiple ip addresses were used. Im not sure how they came to the conclusion that these were authorized transactions. I contacted XXXX XXXX  and was told it was a load from my financial institution so I have to dispute it with Chime. Chime has left me on options. How does Chime know more and investigate more thoroughly than the police?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-09 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: OH

Complaint narrative:
XXXX XXXX is inaccurately reporting an auto lease account ( opened XX/XX/XXXX ) as Open with a charge-off balance of {$8400.00}. The lease was for 36 months and should be closed. The last payment was made on XX/XX/XXXX. 

Ive disputed this information with the credit bureaus and requested verification ( lease agreement, payment history, charge-off explanation ), but no documentation was provided. 

Despite being in Consumer disputes - reinvestigation in progress status, the information continues to be verified without proper investigation. 

This violates my rights under FCRA 611, which requires accurate reporting and proper reinvestigation. Im requesting deletion or correction of this tradeline.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: OH

Complaint narrative:
XXXX XXXX is inaccurately reporting an auto lease account ( opened XX/XX/XXXX ) as Open with a charge-off balance of {$8400.00}. The lease was for 36 months and should be closed. The last payment was made on XX/XX/XXXX. 

Ive disputed this information with the credit bureaus and requested verification ( lease agreement, payment history, charge-off explanation ), but no documentation was provided. 

Despite being in Consumer disputes - reinvestigation in progress status, the information continues to be verified without proper investigation. 

This violates my rights under FCRA 611, which requires accurate reporting and proper reinvestigation. Im requesting deletion or correction of this tradeline.

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