vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-27 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: NY

Complaint narrative:
I am sending regarding the results of the recent dispute I submitted concerning the accuracy and completeness of the information being reported on my credit file. I appreciate your investigation, but I disagree with the outcome, as the items listed below were returned as " verified '' without providing me with the details of the investigation. 

Items : 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 In accordance with the Fair Credit Reporting Act ( FCRA ) & undefined ; 611 ( a ) ( 7 ), I am requesting the method of verification used to determine the accuracy of the disputed items. Please provide the following information for each disputed account : The name, address, and contact information of the entity that provided the information you used to verify the account. 

A description of the procedures used to verify the accuracy and completeness of the disputed account. 

All documentation you have on file retrieved during your investigation. 

Who did you interview regarding the aforementioned account? 

Additionally, I must note that the creditor failed to report the dispute to the consumer reporting agencies as required under FCRA & undefined ; 623 ( a ) ( 3 ). This failure to provide notice of the dispute is a violation of the FCRA, which further undermines the integrity of the reported information.

I am requesting proof that an actual investigation was indeed conducted and all of the above-requested documentation be sent to me, by mail, within 5 business days! Given the lack of proper verification and the violation of FCRA obligations, I also request that this account be deleted immediately from my credit report to prevent any further damage to my financial well-being. & undefined ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 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: VA

Complaint narrative:
I am still unable to upload supporting documents for Dispute Report Number XXXX at experian.com/upload. Sending more documents here to show why the illegally reported XXXX XXXX XXXX  account that I have disputed since XX/XX/year> should be deleted. A phone representative initiated the last dispute and advised I would be able to upload my documents at experian.com/upload. But I have been unable to submit as seen in attached document Experian - Mail InXXXX.

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 2025-09-27 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: Prosper Marketplace, Inc.
State: FL

Complaint narrative:
Made reservations using my Prosper Credit Catd for a hotel through XXXX on XX/XX/2025 for {$170.00}. The hotel stay was from XX/XX/XXXX thru XX/XX/XXXX. The hotel was XXXX XXXX on XXXX  XXXX XXXX in XXXX, VA. 
Upon arrival to this hotel, it looked nothing like the picture listed on XXXX. There was not even a front desk. This hotel was actually a truck stop which I had to go inside the truckstop store to get the key to the room. I took the key and walked to the room and every room that I passed the curtains look disgusting dirty. There were dead flies on inside all the windows. I couldnt even go in the room. I was the only female on property and I did not feel safe. So I went right back to the truckstop store handed the key back to the gentleman and said to cancel the reservation. I found a hotel down the block booked my reservation there for over {$300.00} and started my dispute. 
First, I emailed the hotel 3x telling them I wanted a refund to no avail. Then I filed a dispute around XX/XX/XXXX with my credit card company by phone. XX/XX/XXXX I received a letter from them saying they needed more information about my dispute - keeping in mind that didnt even start the dispute. I faxed them the information as well as pictures that I had of what the hotel was supposed to look like and what the hotel look like in the details. I also mailed that paperwork to them in case they didnt get the fax. I havent heard anything from Prosper nor has the credit been applied to my account. 
There has been no communication from them so I do not know whats going on with this dispute, but I am not paying this. The hotel was disgusting and I did not feel safe I didnt even go into the room. I left the hotel 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 explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I needed to be verified from moving to another state that wasnt even the 1st problem I had with them the 1st problem was depositing my check! Anyways I sent in verification 2 weeks ago & was told it would only take 5 business days so I called to check in. On top of being in the middle of a storm with XXXX small children I asked about my account I was hung up on in the middle of a panic situation ( life & death ) with my account on hold & me not being able to access my only account to get out of a storm safe, with XXXX small children! Then when I call back now I have to wait another week, Im outraged not just because of my account not being accessible but the poor customer service & quality of the bank employees horrible wouldnt want to keep XXXX cents in that bank ever!!! BMO HARRIS BANK!

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 2025-09-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and fraudulent. I demand that this late payment be immediately removed from my consumer report.

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 2025-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Chime Financial Inc
State: WA

Complaint narrative:
I have called in to customer care for the past three months now and advising them if reccuring charges from accounts that I had requested to end my subscription and still nothing has changed. 

I recently had someone close to me pass away and I have been trying to keep uyp with everything that has been going on in my life including additional charges for service and subscriptions I no longer want to be charged for. My most recent plea was the worst experience by far because the representative filed disputes in the incorrect transactions which generated another call into their call center requesting to speak with a supervisor. But the agent promised me they could handle it and there would be no reason to escalate. 

Well not only did I not get a resolution, my debit card was cancelled and another debit card was mailed to me without my knowledge. I was never told about the debit card cancellation and furthermore the charges which I am disputing are not tied to my debit card at all which tells me that nobody is paying attention to what I'm telling them and no investigation had been done. 

If Chime actually did the investigation correctly they would see that the charges are tied to my checking account and not generated via a debit card. I am currently going through a bunch of emotional and financial hardships and I have asked kindly if they can reverse these re-occurring charges and I would assume they would open a new bank account in my name which would stop the charges. 

But none of this has been considered and feel as if Chime is not taking this matter seriously which is going to cause me to switch my direct deposit after the month of XXXX ends.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: FL

Complaint narrative:
I am following up regarding my prior dispute, as the inaccurate information on my credit report has still not been addressed. This continued reporting violates my rights under the Fair Credit Reporting Act ( FCRA ), and I must again request the permanent removal of the unverifiable accounts and unauthorized inquiries listed below.

The charged-off accounts in my file remain reported without the proper documentation. Without a valid 1099-C on debts above {$600.00}, these items are incomplete and unverifiable. Reporting them in this manner violates FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], which requires consumer reporting agencies to maintain maximum possible accuracy. The accounts that must be removed are : XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX  Balance Owed : {$2200.00} XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX  Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$410.00} * * In addition, a collection account continues to be reported despite being unverifiable. Federal law mandates that any information that can not be verified must be permanently deleted. The relevant statutes protecting me in this situation are FCRA 605B [ 15 U.S.C. 1681c-2 ] and FCRA 611 ( a ) [ 15 U.S.C. 1681i ( a ) ]. The account is : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$410.00} * * Additionally, there are inquiries that remain on my report even though they were not authorized by me. This constitutes unlawful access to my credit file and violates FCRA 619 [ 15 U.S.C. 1681q ], FCRA 604 ( f ) [ 15 U.S.C. 1681b ( f ) ], and FCRA 604 ( a ) [ 15 U.S.C. 1681b ( a ) ]. Furthermore, under FCRA 605B [ 15 U.S.C. 1681c-2 ], I have the right to block fraudulent or unauthorized information. The inquiries that require removal are : 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 2025-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
On XX/XX/year>, I received my first collection letter from Resurgent Capital Services on behalf of LVNV Funding, XXXX. I immediately requested debt validation. 

I sent a formal written validation request on XX/XX/year>. Resurgent responded on XX/XX/XXXX and XX/XX/year> with incomplete documents that did not satisfy the FDCPA requirements. 

I disputed again in writing on XX/XX/year>, yet on XX/XX/year>, Resurgent sent another letter repeating the same inadequate validation. 

On XX/XX/year>, I received a new collection attempt from XXXX XXXX XXXX XXXX, another collector working on behalf of LVNV Funding, despite my disputes being unresolved. I disputed with them on XX/XX/year>. 

On XX/XX/year>, XXXX sent yet another letter with the same boilerplate documents, still failing to provide validation such as the original signed agreement, complete chain of title, true charge-off date, or proof of XXXX XXXX ownership. 

Despite these ongoing disputes, collection activity has continued through multiple affiliated entities, and the account is being reported to the credit bureaus, damaging my credit. 

Under the FDCPA, 1692g ( b ), collection activity must cease until proper validation is provided. Resurgent and its affiliates are violating this requirement by continuing to collect and report the debt without proper validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
I have the XXXX XXXX. Experian has two credit cards open in my name. My credit cards have been hacked several times and they're all closed but I only have one now. It was fixed in XXXX of XXXX. They have my very first credit card that I got in XXXX of XXXX  still open. As soon as I started investigating this, my credit score went from near perfect all the way down to XXXX and it destroyed my credit. I did a dispute. They said they fixed it but it's still on my record till XXXX. There's no reason my credit score should drop that low just for me telling them to fix something. Also, Equifax has my wrong address but they refuse to fix it without having me send in a lot of personal information and via the mail that I would rather not. All my credit is locked. I only have one credit card. I have no mortgage and I have no car payment. There's no reason my credit should have dropped that low.

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 2025-09-27 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: AZ

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 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: AZ

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-09-27 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. CXXXXe XXXX ( XXXX ) and 15 U.S. CXXXXe XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. CXXXXe 1XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-27 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. CXXXXe XXXX ( XXXX ) and 15 U.S. CXXXXe XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. CXXXXe 1XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief