vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 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: FL

Complaint narrative:
On XX/XX/year>, I sent my first written request to the credit reporting agencies requesting the update and correction of all personal information in my credit file pursuant to 15 U.S.C. 1681i ( a ), including : Correct Legal Name : XXXX XXXX XXXX Correct Address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX Last XXXX of XXXX : XXXX I also specifically requested removal of all incorrect or outdated names, addresses, phone numbers, and any other inaccurate identifying information. I included copies of my Florida Drivers License, Social Security card, and a current utility bill. 

When no corrections were made within the required timeframe, I submitted a second written dispute on XX/XX/year>, reiterating the same information and again including proof of identity and residency. 

As of today, none of the required updates have been made, and the credit reporting agencies have provided no written investigation results, no updates, and no acknowledgement of correction despite being legally obligated to do so. 

The credit reporting agencies are in violation of the following FCRA provisions : XXXX. Failure to Investigate and Correct Disputed Information Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), consumer reporting agencies must conduct a reasonable reinvestigation within XXXX  days of receiving a dispute. 
They have failed to complete any reinvestigation or provide the required written results. 

XXXX. Failure to Ensure Maximum Possible Accuracy Under 15 U.S.C. 1681e ( b ), agencies must maintain reasonable procedures to ensure the maximum possible accuracy of consumer information. 
Allowing known inaccurate name variations, outdated addresses, disconnected phone numbers, and SSN errors to remain violates this requirement. 

XXXX. Failure to Provide Full and Updated Disclosure Under 15 U.S.C. 1681g ( a ) ( 1 ), consumers are entitled to a full, updated disclosure of all information in their file after submitting a dispute. 
No such updated file has been provided. 

XXXX. Failure to Provide Reinvestigation Results Under 15 U.S.C. 1681i ( a ) ( 6 ) ( A ) ( B ), agencies must provide written notice of the reinvestigation results. 
No such notice has been issued. 

This demonstrates a pattern of neglect, disregard of federal law, and failure to uphold consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
My truck was repossessed and I paid all the fees my truck was lost after i paid balance had to wait for my vehicle for approximately XXXX months my vehicle was stripped by time they found vehicle XXXX auction I told them on paperwork there was a issue with my vehicle my last contact XXXX on XX/XX/year> XXXX XXXX Acct XXXX I have several notes

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: LendingPoint Holdings LLC
State: FL

Complaint narrative:
My husband XXXX XXXX, my brother - in XXXX XXXX XXXX and my mother in law, XXXX XXXX are receiving non stop phone calls from XXXX telling them that I owe them money. This needs to stop as we each get XXXX to XXXX phone calls a day each. I sent them a cease and desist letter to redirect their collections to mailing me only.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to dispute several accounts that have been inaccurately reported on my Equifax credit report. Below is the detailed information regarding the accounts in question : Charged-Off Accounts : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, Balance : {$0.00} Bankruptcy, XXXX, XX/XX/XXXX, Balance : {$0.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: CA

Complaint narrative:
On XX/XX/year> approximately XXXX my account was hacked, I received an email an unknown device had accessed my account, when I tried to login the person who hacked my account sent money from my account to their own account and locked me out of my chime app. I called chime support, let them know of the situation, verified my information and answered their questions to open a dispute after giving them the information my dispute was denied and I didnt get an email.. I would like for chime to credit my account and reopen the dispute to resolve issue and fix thier security features to prevent future unauthorized access to my account and many other accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I state that the incorrect late payment entries on my accounts violate 15 USC 1666. I have consistently made timely payments, and these reporting errors are both unfair and unlawful.

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 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Confirm that each disputed account is removed consistent with legal timing obligations.

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 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am the victim of identity theft and have already filed an official Identity Theft Report with the Federal Trade Commission on XX/XX/year> ( attached ). 
Despite multiple disputes and investigations, TransUnion continues to report fraudulent and inaccurate accounts that do not belong to me, which include : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Credit Card ( Account ending XXXX ) XXXX XXXX XXXX Secured Loan ( Account ending XXXX XXXX XXXXXXXX XXXX XXXX Credit Account Hard Inquiry XXXX XXXX XXXX dated XXXX XXXX XXXX  ) These accounts and inquiries were opened or reported without my authorization. My FTC report confirms that I am a verified identity theft victim under FCRA 605B and FACTA 112.

I submitted disputes and documentation directly to TransUnions XXXX XXXX XXXX  Department, but the fraudulent accounts remain, causing continued damage to my credit report and score. 

This ongoing inaccuracy violates the Fair Credit Reporting Act, which requires credit bureaus to block or delete information resulting from identity theft within four ( 4 ) business days after receiving an FTC Identity Theft Report and proof of identity. 
I am requesting CFPBs assistance in ensuring TransUnion fully complies with this rule and immediately removes all fraudulent and disputed accounts from my file.

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 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute the accuracy of the XXXX XXXX XXXX account appearing on my credit report. This account is being inaccurately reported and must be investigated and corrected or removed under the Fair Credit Reporting Act ( FCRA ). 

ACCOUNT INFORMATION IN DISPUTE : Creditor : XXXX Card Services Reported Balance : {$3800.00} Reported Credit Limit : Experian {$3500.00} Other bureau {$3800.00} Status : Charged off Inconsistent Payment History & Delinquency Reporting FCRA VIOLATIONS & BASIS FOR DISPUTE 1. Inaccurate and Inconsistent Balance & Limit Reporting FCRA 602 ( A ), 607 ( b ) The bureaus are reporting different credit limits and different utilization percentages, which is factually impossible.

Experian shows a limit of {$3500.00} Transunion bureau shows {$3800.00} This inconsistency proves the information is not accurate, not complete, and not verifiable, violating FCRA 607 ( b ), which requires maximum possible accuracy.

2. Conflicting Delinquency & Payment History Data FCRA 611 ( a ) The payment history displayed is not consistent, with one bureau showing OK / CO notations and another showing XXXX lates for different months. 
These conflicts violate FCRA accuracy standards.

3. Charge-Off Reporting Appears Incorrect & Unverified FCRA 609 ( a ) ( 1 ), 611 ( a ) ( 1 ) ( A ) I request the full method of verification used to confirm the charge-off date, delinquency timeline, and balance calculations. 
If XXXX can not provide original records showing : The true date of first delinquency ( DOFD ) Accurate statements The correct charge-off amount and dates Then the account must be deleted.

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 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please remove the fraudulent and suspicious 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 non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern, This letter serves as a formal request for the immediate deletion of fraudulent information appearing on my credit report, in accordance with 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ).

Despite multiple disputes and the evidence I have previously submitted, this account continues to be reported, which constitutes a violation of federal law. 
Enclosed you will find a copy of my Identity Theft Report issued by the Federal Trade Commission, FTC Report Number : XXXX. 
As required under 15 U.S.C. 1681c-2, once an identity theft report is provided, a credit reporting agency must block the disputed information within four ( 4 ) business days. You have failed to meet this obligation. 
The account that must be immediately removed is : XXXX - XXXX, XXXX XXXX - XXXX This account does not belong to me and is the direct result of identity theft. Other credit bureaus have already deleted it after being unable to verify its legitimacy. The furnisher has failed to produce any signed agreement or verifiable documentation for over 60 days, confirming that this account can not be validated. 
However, TransUnion continues to report it, knowingly allowing inaccurate and harmful information to remain on my file. 
Your failure to remove this fraudulent account has caused ongoing financial and personal harm, including credit denials and the inability to move forward with essential financial goals such as home ownership. 
This situation is both unacceptable and unlawful. 
I am demanding that you immediately block and delete this fraudulent account from my credit report. 
If this issue is not resolved promptly, I will proceed with filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Attorney General for your continued noncompliance with federal 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 non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
TransUnion is reporting my XXXXXXXX XXXX XXXX XXXX  account with an inaccurate charge-off status even though the payment history on the account shows on-time payments with no delinquencies. I previously disputed this information with TransUnion, and they failed to conduct a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA 611 ). TransUnion did not correct the clearly inconsistent and inaccurate data, nor did they request proper verification from the furnisher. The charge-off status has caused a significant drop in my credit score and is not supported by any late payments or delinquency reporting. Because TransUnion continued reporting this information after being notified of the dispute, this is a violation of FCRA 611 ( a ) and 607 ( b ) failure to maintain maximum accuracy.

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 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing this complaint because Capital One is reporting conflicting, inaccurate, and incomplete information on my charge-off account ( XXXX ) across all three bureaus. XXXX XXXX XXXX XXXX  all show different balances, credit limits, payment statuses, and comments, which violates FCRA 607 ( b ) and XXXX accuracy requirements I have disputed this account multiple times over the past 90+ days, yet Capital One has failed to provide any of the required verification under FCRA 611 ( a ) and 623 ( a ). Instead, the furnisher continues to report inconsistent statuses such as : Account was in dispute now resolved Unpaid balance reported as loss Accounts closed by credit grantor Conflicting dates of last activity and payment These inconsistencies make the tradeline factually impossible, and therefore it can not be accurate. Capital One has also failed to supply documentation such as original statements, charge-off ledgers, and itemization of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am the victim of identity theft and have filed an official FTC Identity Theft Report dated XX/XX/scrub>XXXX XXXX XXXX  ( attached ). Despite previous disputes and evidence submissions, Equifax continues to report fraudulent and inaccurate accounts that do not belong to me. 

The following items remain on my Equifax credit report and were not authorized by me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Account ending XXXX ) XXXX XXXX XXXX XXXX XXXX  ( Account ending XXXX XXXX XXXX XXXX XXXX XXXX  Account Hard Inquiry XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Dated XXXX XXXX XXXX XXXX These accounts and inquiries were opened or reported without my knowledge or consent. I am a verified identity theft victim under FCRA 605B and FACTA 112, and Equifax is required to block and delete all fraudulent information from my credit report within four ( 4 ) business days of receiving my FTC Identity Theft Report and proof of identity.

I have already submitted disputes through Equifaxs fraud department, but these items remain. This ongoing inaccuracy is harming my credit standing and violates my consumer rights under federal law. I am requesting CFPB intervention to ensure Equifax removes these fraudulent accounts and inquiries immediately in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc.
State: CA

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
Consumer complaint received 2025-11-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: OPTUM BANK, INC.
State: CA

Complaint narrative:
I have a Commuter Benefits account with my employer, Optum. To access my Commuter Benefits account, I normally would have to go through Optumbank.com then I would select the " Transportation Services '' link to get to my personal account. However, the " Transportation Services '' link was removed from the Optum Bank page when I checked on it on XX/XX/year>. There doesn't seem to be another way to access my Commuter Benefits account and I've been calling Optum Bank for several days and I've been getting the absolute run around. No one seems to know anything about the " Transportation Services '' or how to access my Commuter Benefits account despite literature from Optum Bank on how to access my Commuter Benefits account through Optum Bank. Here are the links for proof : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau regarding XXXX XXXX and Synchrony Bank for their handling of a defective loveseat I purchased in XX/XX/year>. 
In XX/XX/year>, I purchased a loveseat from XXXX XXXX. When the item was delivered, it was already defective. The issues included : structural damage, malfunctioning reclining mechanism, torn upholstery, etc I contacted XXXX XXXX to report the defects. Throughout multiple communications, they acknowledged the problem and assured me that they would repair or replace the loveseat. However, they failed to provide any resolution or follow through on any of their promises. 
Additionally, during the time of sale, XXXX XXXX did not provide or disclose any warranty coverage for the loveseat. Because the warranty was not presented or offered at the time of purchase, I believed I was protected and that the store would stand behind their product. Instead, they refused to correct the problem and left me with a defective piece of furniture delivered in damaged condition. 
When XXXX XXXX failed to resolve the issue, I escalated my concerns to Synchrony Bank, which financed the purchase. I requested assistance under the expectation that the bank would help mediate a fair resolution for a defective item that was delivered damaged and sold without warranty disclosure. Instead, Synchrony Bank declined my request, closed my case prematurely, and stated that I am still responsible for paying for this broken furniture. 
I am now being held financially liable for a defective product that XXXX XXXX delivered and refused to fix, and for which no warranty was provided or disclosed at the point of sale. This situation is both unfair and unacceptable. 
I am requesting CFPB assistance to : XXXX. Investigate XXXX XXXX for failing to repair or replace the defective loveseat and for not providing warranty information during the sale.

2. Review Synchrony Banks handling of this dispute, as they failed to provide proper dispute resolution for a defective and inaccurately represented product.

3. Require a fair resolution, which includes repair, replacement, or a full refund so that I am not forced to pay for furniture that arrived damaged and unusable.

I am prepared to provide supporting documentation, including receipts, photos of the defect, and records of communications with both XXXX XXXX and Synchrony Bank. 

Thank you for your attention to this matter. I look forward to a proper and fair resolution.

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