vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-07 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am filing this complaint under the Fair Credit Reporting Act ( FCRA ) and Metro 2 Reporting Standards due to your companys continued failure to respond to two formal disputes previously submitted. It has now been over 60 days, and there has been no acknowledgment or resolution provided.

This account continues to reflect multiple factual inaccuracies across all three credit bureaus : Experian : 30 days late in XX/XX/XXXX ; paid on time XX/XX/XXXX. 
Equifax : 60 days late in XX/XX/XXXX ; no payment reported for XX/XX/XXXX or XX/XX/XXXX ; falsely reported 30 days late in XX/XX/XXXX. 
XXXX  : 30 days late XX/XX/XXXX ; 60 days late XX/XX/XXXX ; paid on time XXXX and XX/XX/XXXX. 
The payment history is inconsistent and does not align across bureaus, which violates FCRA 1681s-2 ( b ) your duty to correct and update information that you know or have reason to believe is inaccurate.

Additionally, the account is listed as not disputed despite two written disputes being sent, which violates FCRA 623 ( a ) ( 3 ) and Metro 2 Compliance Condition Code Guidelines, requiring you to report accounts under active dispute using the XB code.

Further, any reporting of late payments without documented proof of payme
nt receipt datessuch as internal bank statements or payment posting logsis hearsay and can not be verified as accurate. Under FCRA 611 ( a ) ( 5 ) ( A ), you are required to provide objective evidence that substantiates the dates payments were actually received and posted.

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am filing this complaint under the Fair Credit Reporting Act ( FCRA ) and Metro 2 Reporting Standards due to your companys continued failure to respond to two formal disputes previously submitted. It has now been over 60 days, and there has been no acknowledgment or resolution provided. 
This account continues to reflect multiple factual inaccuracies across all three credit bureaus : XXXX  : 30 days late in XX/XX/XXXX ; paid on time XX/XX/XXXX. 
Equifax : 60 days late in XX/XX/XXXX ; no payment reported for XX/XX/XXXX or XX/XX/XXXX ; falsely reported 30 days late in XX/XX/XXXX. 
XXXX  : 30 days late XX/XX/XXXX ; 60 days late XX/XX/XXXX ; paid on time XXXX and XX/XX/XXXX. 
The payment history is inconsistent and does not align across bureaus, which violates FCRA 1681s-2 ( b ) your duty to correct and update information that you know or have reason to believe is inaccurate.

Additionally, the account is listed as not disputed despite two written disputes being sent, which violates FCRA 623 ( a ) ( 3 ) and Metro 2 Compliance Condition Code Guidelines, requiring you to report accounts under active dispute using the XB code.

Further, any reporting of late payments without documented proof of payment receipt datessuch as internal bank statements or payment posting logsis hearsay and can not be verified as accurate. Under FCRA 611 ( a ) ( 5 ) ( A ), you are required to provide objective evidence that substantiates the dates payments were actually received and posted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
These are inaccurate items. They show as late payments.

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 2025-11-07 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: OH

Complaint narrative:
Hi, Im reaching out because Chime locked me out of my account for a long time. They asked me to send my ID, which I did, but I still couldnt get back in or see anything in my account. Now out of nowhere I can log in again, and I never got any explanation about why it was locked or why it was suddenly reopened.

While I was locked out, I couldnt review or dispute any charges, and now Chime might say its too late. That doesnt seem fair since I had no access at the time.

Im asking for help getting answers from Chime and to be allowed to dispute any charges that happened while I was locked out. Them locking me out made it impossible to dispute unauthorized charges on my account Thank you, XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: OH

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items.

The identity of the entity/entities responsible for carrying out this verification.

Any documentation or evidence used to support the accuracy of the disputed items.

I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

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 2025-11-07 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: OH

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items.

The identity of the entity/entities responsible for carrying out this verification.

Any documentation or evidence used to support the accuracy of the disputed items.

I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

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 2025-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
Ive been trying to work with Comenity Capital Bank to resolve my XXXX XXXX  credit card account. I am unable to communicate by phone, so Ive been using their secure message system. Ive repeatedly requested to set up a payment plan or hardship arrangement in writing and offered to make a good-faith payment, but they continue to insist that I call. I simply need to handle this in writing, and XXXX asking for their cooperation to communicate through secure messages or email instead of phone calls. 

Wednesday, XX/XX/year>, XXXXXXXX XXXX  Was the first message sent asking for hardship program information. 

Friday, XX/XX/year>XXXX XXXX XXXX XXXXXXXX responded asking me to call Sunday, XX/XX/year>, XXXX XXXX XXXX responded letting XXXX know I wasnt able to call & that I wanted the terms in writing. 

MondayXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX responded and told me to call. 

Tuesday, XX/XX/year>XXXX XXXX XXXX XXXX responded letting XXXX  know again that I would like all arrangements to take place over secure writing. 

Wednesday XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXXXXXX wrote back again stating my only option was to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: GA

Complaint narrative:
Kindly evaluate the documents ; the inquiries arrived without warning and might be unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: Climb Credit Inc.
State: NC

Complaint narrative:
I applied for educational financing with Climb Credit ( application XXXX XXXXXXXX ). On XX/XX/year>, Climb issued an adverse-action notice stating my XXXX  credit score was not available. On XX/XX/year>, XXXX  showed an active file and XXXX XXXX of XXXX. On XX/XX/year>, I formally requested reconsideration and manual underwriting under the Equal Credit Opportunity Act ( 15 U.S.C. 1691 ) and Regulation B ( 12 C.F.R. 1002.9 ( a ) ( 3 ) ) and provided my full XXXX  report and score. Climb confirmed the request and stated it was sent to their senior team. 

On XX/XX/year>, I received a second adverse-action notice repeating the claim that my XXXX  score was not available. This is inconsistent with the attached XXXX  report/score and suggests my reconsideration was not manually reviewed as required by XXXX XXXX after I supplied complete, current data. Im seeking a fair manual review and a specific, accurate explanation of any remaining underwriting criteria.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: LA

Complaint narrative:
I noticed some inaccuracies on my credit reports that seem to be affecting my ability to get credit, as I've recently been denied by a few creditors. I'd really appreciate it if you could take a closer look at the accounts and inquiries in question. As you know, it's important that the information reported is accurate, so I kindly ask that you investigate and update XXXX records as needed. I'm hoping we can get this sorted out smoothly and avoid any further issues down the line.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: TX

Complaint narrative:
Guarantee that the removal of disputed accounts respects legal deadlines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc.
State: IN

Complaint narrative:
My MoneyLion account has been restricted since XX/XX/year> without explanation. All disputes have been completed and refunded ( {$420.00} as of XX/XX/year> ). Despite this, my account remains inaccessible. MoneyLion representatives continue to say it is under investigation but provide no time frame or clear reason. I believe this is an unfair delay in access to my funds, and I request immediate reactivation or written justification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
My phone was stolen in XXXX on Friday, XX/XX/XXXX. I have gotten numerous notifications of cards being opened up in my name and cards changed. I have been hacked by Venmo XXXX XXXX XXXX XXXX PayPal XXXX XXXX XXXX XXXX XXXX XXXX fi. I am still going through my email to find all the rest and I have been working diligently to call each individual and try to identify myself so that these charges will be taken off.

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 2025-11-07 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: NJ

Complaint narrative:
I have no association with this account, and the information shown is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: GA

Complaint narrative:
I respectfully request that the following items be reviewed and corrected to ensure they are accurately reflected in my credit report. If any information can not be verified, I request that it be removed from my credit report in compliance with the Fair Credit Reporting Act. 

============================== CHARGED OFF XXXX  XXXX | XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, {$400.00} XXXX XXXX  XXXX XXXX | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, {$23000.00} XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, {$60.00} ============================== INQUIRIES XXXX XXXX | XXXX XXXX XXXX CO | XXXX ============================== XXXX XXXX  XXXX XXXX XXXX ============================== LATE PAYMENT XXXX XXXX BA | 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

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 2025-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
In XX/XX/year> my PayPal account ( Ref ID : XXXX ) was permanently deactivated immediately after I attempted to resolve a temporary limitation through the Resolution Center. 

I received only a generic message : Were no longer offering PayPal services for this account due to unusual activity we cant support. No details or evidence were provided, and my account had no disputes, chargebacks, or policy violations. All past transactions were legitimate personal payments such as utility bills, purchases through verified merchants. 

Following the deactivation, I lost all control over my data and payment instruments. The account remains visible but completely frozen I can not close it, delete personal information, or even remove stored cards and addresses. The system requires the limitation to be resolved first, but its impossible because the account is marked as permanently closed. 

Customer service channels are non-functional. The chatbot repeats scripted messages, the Contact Us page leads back to the Resolution Center, and there is no way to reach a live agent.

My primary concern is that PayPal continues to hold my personal and financial data indefinitely without user consent or the ability to exercise deletion rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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:
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 XXXX  XXXX  any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated XXXX  XXXX  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 XXXX  XXXX  ; ( 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 XXXX  XXXX  ; 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 XXXX  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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
I am filing this complaint because XXXX companies are reporting the same debt under separate tradelines, resulting in duplicate and misleading information on my credit reports. 
ALLY FINANCIAL reports a charged-off auto loan with a {$0.00} balance ; XXXX XXXX XXXX XXXX XXXX XXXX debt buyer ) reports the same account with a balance of {$17000.00} as an active collection. 
Both tradelines describe the same debt, creating a duplicate derogatory entry that damages my credit profile and misrepresents my payment history. 
This conduct violates multiple consumer-protection laws and reporting standards, including : FCRA 607 ( b ) failure to maintain procedures ensuring maximum possible accuracy ; FCRA 623 ( a ) ( 1 ) ( A ) furnishing information known or believed to be inaccurate ; FCRA 611 ( a ) failure to conduct a reasonable reinvestigation after receiving a direct dispute ; FDCPA 807 ( 8 ) and 809 ( b ) continuing to report a debt not validated and known to be disputed ; CDIA XXXX XXXX Reporting Guidelines 1.4.2 prohibition against duplicate tradelines for the same account. 
I have already notified the credit reporting agencies of these violations through a formal XXXX XXXXcompliant dispute letter, yet the duplicate and inaccurate data remain on my reports. 
________________________________________

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed 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