vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-08 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : EDFINANCIAL Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: TX

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc . 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc . 
continues to willfully report inaccurate data in violation of FCRA XXXX U.S.C. XXXX ( b ), XXXX, and FDCPA XXXX and XXXX. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
From XX/XX/year> to XX/XX/year>, there were XXXX transactions on credit card ending XXXX in a grand total amount of XXXX USD which I did not recognize. I attempted to get this resolve with Navy Federal Credit Union a few times, but the results were never in my favor. These transactions were NEVER supposed to be allowed/paid. I desperately need this money back. XXXX XXXX XXXX XXXX is a SCAM. I have a daughter and a wife, we need this money for XXXX  on a house. I have no idea what XXXX was until I accidentally discover the charges on my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: LA

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ONLINE INFORMATION SERVI XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Request for Validation of Alleged Debt Reference Account ( s ) : XXXX {$430.00} To whom it may concern : I am disputing the validity of the alleged debt you have referenced in your communications. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am requesting full validation of this account before any further collection activity.

Specifically, please provide : 1. Proof of Ownership / Right to Collect ( FDCPA 15 U.S.C. 1692g ( b ), 1692e ) - Full chain of title from the original creditor to your company.

- Copy of purchase/sale agreement or assignment.

- Proof of authorization to collect in my state.

2. Original Creditor Information ( FDCPA 15 U.S.C. 1692g ( a ) ( 2 ) ) - Name, address, and contact details of the original creditor.

- Original account number.

- Date of default and date of assignment. 

3. Itemized Accounting of the Alleged Debt ( FDCPA 15 U.S.C. 1692g ( a ) ( 1 ), 1692e ( 2 ) ) - Original balance at default.

- Itemized list of all fees, interest, or charges.

- Full payment history. 

4. Verification of Consumer Identity ( FCRA 15 U.S.C. 1681b ( a ) ; Criminal 18 U.S.C. 1028A ) - Documents with my signature proving I entered into the alleged obligation.

- Redaction of sensitive personal identifiers unless essential.

5. Accuracy of Credit Reporting ( FCRA 15 U.S.C. 1681i ; 1681s-2 ( a ) ( 1 ) ( A ) ) - Documentation showing information furnished to credit bureaus is accurate and verified.

- Evidence of compliance with FCRA reinvestigation requirements.

6. Validation Notices & Communications ( FDCPA 15 U.S.C. 1692g ( a ) ) - Copy of the initial written notice required under FDCPA.

- Copies of all communications related to this account.

7. Cease Collection Until Validation ( FDCPA 15 U.S.C. 1692g ( b ) ) - Written confirmation that all collection activities have ceased pending full and proper validation. 

Failure to provide the above documentation within 30 days will constitute a violation of federal law. Continued collection efforts or reporting of unverifiable information will result in complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and possible civil action. 

Sincerely, XXXX XXXX LAST FOUR : ( XXXX ) DOB : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The personal information on my credit report were outdated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
When reviewing my credit reports, I discovered multiple accounts and inquiries being reported inaccurately and without proper validation. XXXX XXXX is listed as charged-off with a {$1700.00} balance, yet the account continues to report new activity and late payments into XXXX even though it has been closed. This is a clear violation of FCRA accuracy standards and an example of account re-aging. 

XXXX XXXX  XXXX XXXX XXXX is showing as charged-off and re-aged despite being closed since XXXX. XXXX XXXX is reporting inconsistent charge-off dates, inflated delinquency history, and excessive derogatory remarks that extend well beyond 180 days past due. XXXX lists a {$0.00} balance but still reports as a charge-off, which is contradictory and can not be verified. 

XXXX XXXX XXXX  is reporting an over-limit balance and late payments continuing after the account was closed, which is inaccurate. XXXX also reports late payments after charge-off, suggesting that the account has been re-aged. XXXX XXXX XXXX has been marked charged-off since XXXX, but it continues to update in XXXX, which is both misleading and unverifiable. 

XXXX collection agencies XXXX XXXX XXXX ( original creditor XXXX XXXX ) and XXXX XXXX XXXX XXXX original creditor XXXX XXXX XXXX are reporting collection accounts without providing any chain of assignment, ownership proof, or original creditor documentation. These debts are unvalidated and duplicate each other, causing double reporting and an unfair impact on my credit. 

Additionally, unauthorized hard inquiries appear from XXXX XXXX XXXX XX/XX/XXXX ), XXXX XXXX XXXX  XXXX XX/XX/XXXX ), and XXXX ( XX/XX/XXXX ) XXXX These inquiries were not authorized or consented to and have caused a negative impact on my credit score. Despite prior disputes, these issues remain unresolved and unvalidated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: FL

Complaint narrative:
When reviewing my credit reports, I discovered multiple accounts and inquiries being reported inaccurately and without proper validation. XXXX XXXX is listed as charged-off with a {$1700.00} balance, yet the account continues to report new activity and late payments into XXXX even though it has been closed. This is a clear violation of FCRA accuracy standards and an example of account re-aging. 

XXXX XXXX  XXXX XXXX XXXX is showing as charged-off and re-aged despite being closed since XXXX. XXXX XXXX is reporting inconsistent charge-off dates, inflated delinquency history, and excessive derogatory remarks that extend well beyond 180 days past due. XXXX lists a {$0.00} balance but still reports as a charge-off, which is contradictory and can not be verified. 

XXXX XXXX XXXX  is reporting an over-limit balance and late payments continuing after the account was closed, which is inaccurate. XXXX also reports late payments after charge-off, suggesting that the account has been re-aged. XXXX XXXX XXXX has been marked charged-off since XXXX, but it continues to update in XXXX, which is both misleading and unverifiable. 

XXXX collection agencies XXXX XXXX XXXX ( original creditor XXXX XXXX ) and XXXX XXXX XXXX XXXX original creditor XXXX XXXX XXXX are reporting collection accounts without providing any chain of assignment, ownership proof, or original creditor documentation. These debts are unvalidated and duplicate each other, causing double reporting and an unfair impact on my credit. 

Additionally, unauthorized hard inquiries appear from XXXX XXXX XXXX XX/XX/XXXX ), XXXX XXXX XXXX  XXXX XX/XX/XXXX ), and XXXX ( XX/XX/XXXX ) XXXX These inquiries were not authorized or consented to and have caused a negative impact on my credit score. Despite prior disputes, these issues remain unresolved and unvalidated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MN

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, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under XXXX U.S.C. XXXX, 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 2025-10-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: LA

Complaint narrative:
On or around XX/XX/year>, a purchase made by my wife through her XXXX XXXX was incorrectly linked to my Affirm account due to a system error. Not recognizing the transaction, I responsibly reported it as potentially unauthorized. 

In response, the company took the extreme measure of freezing not only my account but also my wife 's account. We have since made numerous phone calls to customer support to explain the mix-up and have even offered to pay for the transaction to resolve the matter. On every call, we were told the issue would be " escalated, '' but we never received any follow-up communication, and the problem was never resolved. 

The situation became significantly worse when, on the advice of a company support agent, I deleted and reinstalled the app to troubleshoot. This action resulted in me being completely locked out of my account. Now, whenever I call for support, the agents state they " can not verify my account, '' creating an impossible loop where I can not get help for the very problem that is preventing me from accessing my account. 

On XX/XX/year>, I sent a detailed email explaining this entire sequence of events. The only response I received was a generic, automated email telling me to call the same support number that has been unable to help me. I replied on the same day, XX/XX/year>, stating that calling was not a solution and demanded that my case be escalated to a manager for a proper review.

It has now been a full week, and the company has completely ignored my final email. Both of our accounts remain frozen, I am locked out, and I am unable to manage my account or ensure future payments can be made successfully. The company has failed at every step to correct its own error and has provided no viable path to a resolution. I require my account and my wife 's account to be immediately unfrozen and for my login access to be restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Hi the dealership sold me a defective vechile which they took back and did a Flat Cancellation of the loan so they took the vechile back because it wasnt working .please remove from my credit report to have a more favorable credit rating

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
On XX/XX/year> I sent a wire to Citi Bank for {$150000.00} to Citi Bank but the recipient did not receive the wire. The recipients accounts was closed and I asked my bank to cancel the wire and return the funds to the sending account. I have tried to contact Citi Bank numerous ways but unable to get through the automated phone system to speak to customer service even calling the receiving bank branch only to be put back into the automated phone system. I can't even find an email address to inquire about this problem. I do not have an account with Citi Bank which doesn't allow me to get through the phone system.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: MD

Complaint narrative:
I am writing to formally express my concerns regarding chime handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using chime numerous times and reporting discrepancies, my financial institution and Chime failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that chime has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.the lack of accountability and transparency is unacceptable and raises serious concerns about their customer liked safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



List of Unauthorized Inquiries : XXXX - XXXXXXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years.

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: NC

Complaint narrative:
I am writing to advise that I am a victim of trafficking. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that trafficking. 

ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$0.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: GA

Complaint narrative:
I am filing this complaint because XXXX XXXX is reporting inaccurate and unverifiable information on my credit file. The account shows a {$17000.00} charge-off after a repossession, yet no documentation verifies the balance, the repossession details, or the correct Date of First Delinquency. This lack of verification violates the Fair Credit Reporting Act ( XXXX U.S.C. XXXX and XXXX ). I have already disputed this directly in writing, but the account remains unchanged. This inaction continues to damage my credit profile and financial opportunities. I am requesting that the CFPB ensure a full reinvestigation and require deletion if the furnisher can not produce original, verifiable records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: GA

Complaint narrative:
I am filing this complaint because XXXX XXXX is reporting inaccurate and unverifiable information on my credit file. The account shows a {$17000.00} charge-off after a repossession, yet no documentation verifies the balance, the repossession details, or the correct Date of First Delinquency. This lack of verification violates the Fair Credit Reporting Act ( XXXX U.S.C. XXXX and XXXX ). I have already disputed this directly in writing, but the account remains unchanged. This inaction continues to damage my credit profile and financial opportunities. I am requesting that the CFPB ensure a full reinvestigation and require deletion if the furnisher can not produce original, verifiable records.

Company response to consumer: Closed with non-monetary relief