vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-14 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: CA

Complaint narrative:
Ive recently discovered several late payment notations on my credit report that are completely false, and I want to make it clear that I will not tolerate these inaccuracies being used to misjudge my financial character. These harmful entries are dragging down my credit score, affecting my access to opportunities, and putting unnecessary strain on my mental and emotional health. Some of these alleged late payments were in fact made on time, while others may stem from clerical mistakes or internal processing delays that were never communicated to me. 

The Fair Credit Reporting Act requires that every piece of data on a consumer report be factually accurate and verifiable by original documentation. That means if these late payment entries can not be backed up with real, dated billing statements or signed agreements, they should not be reported at all. I am demanding that these entries be immediately corrected or removed, depending on what the documentation proves. If the credit reporting agencies or furnishers continue to ignore this matter, I will interpret that as a willful and deliberate violation of federal lawand respond accordingly. I deserve better, and I will fight until this is made right.

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 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: FL

Complaint narrative:
On XX/XX/year> I received a text message from Chime asking if I was using my debit card at a XXXX XXXX in XXXX, TX. I responded " No ''. I received a XXXX text stating that Chime would call me soon. Within a minute I was called by someone claiming to be from Chime. They told me to confirm the amount in my savings and checking accounts. They told me exactly how much money I had in each account. They then moved all of the money, over {$6000.00}, from my savings account to my checking account. I then received an email from Chime stating that my savings account had been closed. Then I received a XXXX email from Chime stating that my XXXX XXXX account had been closed. They told me I had to move my money to a new account so this account could be closed. They gave me a new account number to send my money to. They instructed me to send {$4900.00}, which I did. ( According to my Chime transactions, this money went to XXXX XXXX. ) Next they told me to open a XXXX account because it's owned by Chime, and I did. They told me to send {$2000.00} to XXXX and to send {$1000.00} to XXXX, claiming it was going to my new account. They then made a {$5.00} charge to XXXX on my XXXX account. They tried to make other charges, but they didn't go through. I was able to transfer {$990.00} back to my Chime account. They stole {$6000.00} from me. I would never have sent my money anywhere, but they had accessed my account, moved my money, and closed XXXX of my accounts!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-14 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: EQUIFAX, INC.
State: GA

Complaint narrative:
This complaint is submitted against Equifax and the debt collector XXXX XXXX, regarding the account listed as : Account Name : XXXX XXXX Account Number XXXX XXXXXXXX This account is being reported on my credit file in direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Violations : 1. Failure to Provide Required Disclosures Prior to Reporting Collection Under both federal and state consumer protection laws, a debt collector is required to provide written notice and disclosures before reporting a collection account to the credit bureaus. I did not receive any state-mandated disclosures, nor was I notified in writing by XXXX XXXX regarding this alleged debt before it appeared on my consumer report. 

This failure violates : 15 U.S.C. 1681s-2 ( a ) of the FCRA, which prohibits the reporting of information without proper investigation and accuracy ; 15 U.S.C. 1692g ( a ) of the FDCPA, which mandates a debt collector to send a written notice containing the amount of the debt, the name of the creditor, and the consumers right to dispute within five days of initial communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: KS

Complaint narrative:
I have excellent credit and am responsible with my money and credit accounts. In the last six months, NINE XXXX accounts have been opened and appear on my TransUnion credit report. I have never, and would never, apply for a a XXXX account, let alone nine of them. Some were opened on the same day and some were opened for as low as {$32.00}! I have repeatedly tried to dispute these accounts w TransUnion and they say they are legitimate. XXXX has confirmed twice via email that they have no record of my accounts in their system yet they are still appearing on my credit report. I can not contact my bank for help bc they arent actually charging items, they are just opening accounts. So XXXX cant help, TransUnion wont help, and Im left with nine fraudulent accounts even though I have good credit and am responsible. Im in an endless loop of no one being able to help me resolve this fraud. Please help me get these off my record. I do everything right but am being punished for this fraud committed against me.

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 2025-06-14 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:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-06-14 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: EQUIFAX, INC.
State: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This letter serves as an official follow-up and escalation to a previous CFPB complaint I submitted concerning the unlawful, inaccurate, and unverified reporting of several derogatory accounts and inquiries on my consumer credit reports by Equifax, Experian, and TransUnion, XXXX my legal and documented disputes. 
XXXX & Fiduciary Standing I am XXXX XXXX XXXX, a living man and the XXXX XXXX XXXX under XXXX Financing Statement No. XXXX. I also serve as the Trustee of the XXXX XXXX XXXX XXXX, which holds all interest in my legal name, XXXX, and XXXX XXXX. As of [ Insert Date Filed ], I have properly submitted : IRS Form XXXX ( Power of Attorney ) IRS Form XXXX ( Notice of Fiduciary Relationship ) These filings place all agencies, furnishers, and repositories on public and constructive notice of my secured position and lawful right to dispute, demand validation, and enforce removal of any unlawful entries. 

Violations by Credit Bureaus and XXXX XXXX prior disputes and the CFPB 's initial involvement, the following issues remain unresolved : The credit bureaus continue to report late payments, charge-offs, and collection accounts without providing proper verification as required by 15 USC 1681i , 1681e ( b ), and 1692g XXXX XXXX 

Multiple unauthorized inquiries remain on file without documentation of permissible purpose, in direct violation of 15 USC 1681b ( a ). 

TransUnion has directly communicated that they do not investigate third-party reporting, and instead deflect responsibility to the data furnishers. This is a willful misstatement of law and a blatant refusal to comply with FCRA mandates. 

Accounts in Question Include ( But Are Not Limited To ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts report inaccurate or unverifiable late payments, charge-offs, and statuses. XXXX was either never performed or conducted through E-OSCAR automation without lawful documentation a violation of 15 USC 1681i ( a ) ( 4 ). 

Inquiries in Violation of FCRA Include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX inquiries were not authorized in writing nor supported by any application or consumer-initiated transaction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am disputing J.P. Morgan Chase 's refusal to reverse charges for services that were not delivered as promised by XXXX XXXX XXXX ( the " Vendor '' ). While the bank approved disputes for later months, they denied the initial charge ( plus setup fees ) solely due to a XXXX time limitignoring that the entire service was defective from the start. 

Vendor promised to provide qualified job candidates for my business. Over 5-6 months, they delivered only ONE hire, who was terminated after 2 weeks after their conduct resulted in a customer complaint ( the first I've ever received ). I successfully disputed 5 months of charges ( {$5600.00} refunded ) proving the Vendor 's failure. However, the bank denied the first month 's charge of {$1400.00} + {$1400.00} setup fee, citing the 118-day rule. The Vendor 's " setup '' merely involved posting job ads I wrote myself - no value was provided. 

The initial charge was part of the same faulty service as the later, successfully disputed charges. The 118-day rule is being applied mechanistically, without considering the Vendor 's ongoing breach. The bank 's stance rewards the Vendor as Vendor tells its customers that waiting is crucial for its sourcing and hiring process to be effective, which left me no time to bring up a dispute for the first charge within the given window.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: CA

Complaint narrative:
Equifax is currently reporting a charge-off account from XXXX ( Account XXXX. XXXX XXXX XXXX XXXX XXXX  ), dated XX/XX/year>, with a balance of {$720.00}. This account is entirely inaccurate, unjustified, and unsupported by any credible documentation. I have never had a XXXX account that resulted in a charge-off, nor have I received any legal or written notice of a past due balance leading to such drastic action. Its presence on my Equifax report has caused reputational and financial harm and is especially troubling because the reporting date implies a recent and unresolved delinquency, which is not the case. 

Equifaxs reporting of this entry is not only erroneousit appears to be a result of automated data exchange without due diligence or validation. I have submitted previous disputes requesting validation and supporting evidence from the furnisher ( XXXX  ), but to this day, I have not received a single piece of documentation that shows I opened this account, incurred charges, defaulted, or was given proper notice before the debt was charged off and reported. This suggests a possible instance of mistaken identity, database cross-contamination, or reckless furnishing of data to the credit bureau. 

As per 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act, Equifax is legally bound to ensure the maximum possible accuracy of the information it reports. That obligation has not been met. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is also required to conduct a reasonable reinvestigation upon notice of a dispute. Any information found to be unverifiable must be deleted promptly per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). Equifaxs current handling of this matter raises serious concerns about the reliability of their verification process and their compliance with federal consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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: CA

Complaint narrative:
All three major credit bureausXXXX XXXX, and TransUnionare reporting multiple late payments related to XXXX accounts that I firmly dispute as inaccurate and unjustified. The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX with a reported late payment date of XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX also reported late on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  with a reported late payment on XX/XX/XXXX ; and XXXX XXXX XXXX XXXX XXXX also dated XX/XX/XXXX. These late payment notations are damaging, misleading, and not reflective of my payment history or intent. 

I dispute these derogatory marks because I was never made aware of these delinquencies at the time they allegedly occurred. I was not properly notified, nor given the opportunity to bring the account current, which contradicts the practices and standards lenders are expected to uphold under the Fair Credit Reporting Act. I have maintained responsible management of my student loans, and if there was any administrative error, misapplied payment, or processing issue on XXXX end, it was never communicated to me in a timely or transparent manner. 

The timing of these alleged delinquencies also raises concerns about data consistency. If both accounts under different loan IDs are being reported with the same late date for XXXX separate years, it suggests a pattern of systemic error or batch reporting rather than verified, account-specific delinquency. This is deeply troubling and casts doubt on whether these late payment designations were thoroughly reviewed and validated before being reported to the credit bureaus. As someone who has made every effort to remain in good standing, these entries are not only emotionally distressing but have also adversely affected my access to fair credit, auto financing, and mortgage qualification.

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 2025-06-14 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: UT

Complaint narrative:
Im writing to formally dispute and demand the immediate correction of inaccurate, damaging information currently being reported on my credit file. I recently obtained a copy of my credit report and was shocked to find XXXX or more accounts listed that are completely incorrect, and I refuse to let this go unaddressed. 

Let me be crystal clear : this information is false, it does not belong on my credit report, and its presence is actively harming my financial credibility. I have never had any dealings with the creditor ( XXXX ) in question, nor have I ever fallen behind on any accounts that would justify this kind of reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-06-14 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: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-06-14 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ALLY FINANCIAL INC.

Complaint narrative:
In this Particular Situation My Debt on My Account which Was Ally Auto Financial at the Time Had Reported to the Credit Bureau that the account had Been Charged Off to Collection. The alleged New owner whom which I was not informed of Law Offices of XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX This Collection Agency processor was By Far the Rudest and Most Dangerous XXXX XXXX I was Contacted about a Attack to My neighbor who Had came in contact with the collection agency who had been Harrasing My Temp place of Resident at the time and transforming the XXXX loan agreement in to a Weapon and swerved in the streets and procceded to throw My Credentials in My neighbors Face But as well all over public XXXX XXXX leaving my information at breach

Company response to consumer: Closed with explanation