vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-09 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: DE

Complaint narrative:
CFPB Complaint : Experian Failure to Correct Inaccurate Late Payment Reporting ( XXXXXXXX XXXX  ) Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Date : XX/XX/2025 Company Complained About : Experian Information Solutions , Inc . 
XXXX XXXX XXXXXXXX XXXX, TX XXXX Summary of Complaint : I am submitting this complaint against Experian for failing to accurately report and reinvestigate incorrect late payment information furnished by XXXXXXXX XXXX 

On XX/XX/2025, I mailed a formal dispute letter to Experian identifying false late-payment entries being reported on my XXXXXXXX XXXX account XXXX These delinquencies do not reflect my true payment history and are being reported in violation of the Fair Credit Reporting Act ( FCRA 1681i ) and Metro 2 data-furnishing standards.

Rather than conducting a complete, good-faith reinvestigation, Experian continues to report the same inaccurate data. This demonstrates that Experian relied solely on the furnishers automated response without reviewing any supporting documentation, which fails the reasonable reinvestigation requirement under FCRA 1681i ( a ) ( 1 ) ( A ) and violates FCRA 1681e ( b ), which mandates maximum possible accuracy.

Violations Alleged : Failure to conduct a lawful reinvestigation ( FCRA 1681i ( a ) ( 1 ) ( A ) ) Failure to ensure maximum possible accuracy ( FCRA 1681e ( b ) ) Non-compliance with Metro 2 reporting guidelines ( incomplete or unverifiable data ) Continued reporting of unverifiable delinquency data after dispute notice Complainant Statement : I have followed all proper dispute procedures and supplied sufficient information to verify my claim. Experians refusal to correct or delete these false entries constitutes willful noncompliance and has caused harm to my creditworthiness. I respectfully request the CFPB to review this matter and ensure Experians compliance with federal reporting and reinvestigation laws. 

Sincerely, 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 2025-10-09 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: PA

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-10-09 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: PA

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Eastern Account Systems of Connecticut, Inc.
State: CA

Complaint narrative:
Subject Line : Debt Collector Unable to Prove Ownership - Illegal Collection & Credit Reporting I am submitting this complaint regarding EASTERN ACCOUNT SYSTEM in connection with their attempts to collect on an alleged account that they have failed to validate under federal and state law. The company is furnishing negative information to the credit bureaus and contacting me about a debt they can not legally prove they own or are authorized to collect. 

Specifically, I submitted a timely request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. In response, the collector failed to provide any of the following critical documents : Proof of ownership of the alleged debt A valid purchase agreement for the EASTERN ACCOUNT SYSTEM containing my account A complete and unbroken chain of title from the original creditor to themselves A copy of their state bond or license required to collect in California Without proof of ownership or a chain of title, EASTERN ACCOUNT SYSTEM has no legal standing to pursue collection, report to credit bureaus, or claim any right to payment. Furthermore, furnishing derogatory credit information under such circumstances constitutes false and misleading representation under 15 U.S.C. 1692e and may also violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), for reporting unverifiable or inaccurate information.

I am requesting the following : 1. Immediate deletion of any credit reporting related to this account.

2. Cessation of all collection activity unless and until full validation and legal standing are established.

3. A complete investigation by your agency into EASTERN ACCOUNT SYSTEM 's practices of reporting and collecting on debts without proper documentation. This complaint is being submitted in good faith to protect my consumer rights. The failure to provide ownership documentation while attempting to collect or damage my credit is not only unethical-it 's unlawful. 

Account Details ( if required by platform ) Collector : EASTERN ACCOUNT SYSTEM Original Creditor : XXXX Alleged Account Number : # XXXX XXXX XXXX XXXX XXXX Date of alleged charge-off or transfer : [ XXXX ] Date of collector 's first contact : [ XXXX ]

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am formally requesting validation of this debt as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information : The name of the original creditor.

The original account number.

The amount of the alleged debt.

A copy of the original contract or agreement bearing my signature.

A detailed accounting of how the alleged debt was calculated.

Proof that you are authorized to collect this debt in my state.

A copy of any judgment, if applicable.

Please note that until you provide the requested validation, you must cease all collection activities, including reporting this debt to credit bureaus.

This letter is not an acknowledgment of the validity of the debt, nor is it a promise to pay. It is a request for information pursuant to my rights under federal law.

Please respond within 30 days of receipt of this letter. I recommend all future communication be in writing. If you do not respond in 30 days this needs to be removed from my credit fully 100 % and not added back on.

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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: TX

Complaint narrative:
Im filing a complaint because the credit bureau has failed to correct the inaccurate information on my credit report, even after I submitted a formal dispute with supporting documents. It has been over 30 days, yet the errors remain unresolved. This negligence violates my rights under the Fair Credit Reporting Act ( FCRA ), which requires that all disputed items be investigated and corrected within the allowed timeframe. I am requesting immediate action to fix the reported inaccuracies and ensure my credit report reflects only accurate and verifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: FL

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDELENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDate Opened XX/XX/XXXX -Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDate Opened XX/XX/XXXX -Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -Date Opened XX/XX/XXXX -Balance {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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: TX

Complaint narrative:
Im filing a complaint because the credit bureau has failed to correct the inaccurate information on my credit report, even after I submitted a formal dispute with supporting documents. It has been over 30 days, yet the errors remain unresolved. This negligence violates my rights under the Fair Credit Reporting Act ( FCRA ), which requires that all disputed items be investigated and corrected within the allowed timeframe. I am requesting immediate action to fix the reported inaccuracies and ensure my credit report reflects only accurate and verifiable information.

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 2025-10-09 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: TX

Complaint narrative:
Im filing a complaint because the credit bureau has failed to correct the inaccurate information on my credit report, even after I submitted a formal dispute with supporting documents. It has been over 30 days, yet the errors remain unresolved. This negligence violates my rights under the Fair Credit Reporting Act ( FCRA ), which requires that all disputed items be investigated and corrected within the allowed timeframe. I am requesting immediate action to fix the reported inaccuracies and ensure my credit report reflects only accurate and verifiable information.

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 2025-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: NV

Complaint narrative:
I am writing to formally express my concerns regarding Chimes handling of disputes, particularly in light of the recent CFPB findings highlighting significant issues with digital banking platforms and consumer protection. 

Despite using Chime numerous times and promptly reporting discrepancies, Chime failed to adequately investigate my claims. I was informed that recovering lost funds was impossible and that tracking these transactions was unfeasible. 
The CFPBs findings indicate that Chime has not only neglected to protect consumers but has also allowed repeat offenders to exploit its system, leaving users vulnerable to scams and unauthorized transactions. My experience reflects these same concerns and shows a clear lack of accountability, transparency, and consumer support within Chimes dispute resolution process.

I respectfully request that this matter be thoroughly reviewed and that the CFPB hold Chime accountable for failing to meet basic consumer protection standards

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: PA

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-10-09 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: TX

Complaint narrative:
I have submitted all required documentation and urge for a comprehensive examination of this issue. The unauthorized inquiries are greatly concerning to me, and I seek a prompt resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: TX

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 2025-10-09 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: FL

Complaint narrative:
Irregularities Identified Contradictory Account Status XXXX  : Open XXXX  : Closed ( due to inactivity ) TransUnion : Closed ( canceled by grantor ) One bureau shows this account as open while the others show it closed. 

Contradictory Dates Opened/Closed Date Opened : XXXX : XX/XX/XXXX, TransUnion : XX/XX/XXXX. 

Date Closed : XXXX  : XX/XX/XXXX, TransUnion : XX/XX/XXXX, XXXX  : Not Closed. 
A single account can not have XXXX different opening dates and different closure statuses. 

XXXX XXXX XXXX XXXX  : {$0.00} XXXX  : {$2300.00} TransUnion : {$2300.00} High balance can not be {$0.00} at XXXX XXXX and {$2300.00} at others. 

Different Last Activity Dates XXXX  : XX/XX/XXXX XXXX  : XX/XX/XXXX TransUnion : XX/XX/XXXX The same account can not have XXXX different last activity dates. 

Different Last Reported Dates XXXX  : XX/XX/XXXX XXXX  : XX/XX/XXXX TransUnion : XX/XX/XXXX Conflicting last reported updates across bureaus. 

XXXX XXXX XXXX XXXX  : 30 & 60 days late ( XXXX XXXX ) XXXX : XXXX, XXXX & 90 days late ( XXXX XXXX ) TransUnion : 30 & 60 days late ( XXXX XXXX ) Same account is being reported with different delinquency timelines. 

Contradictory Account Rating/Description XXXX  : XXXX XXXX  : Closed TransUnion : Closed Same account can not be both derogatory open and closed simultaneously. 

Legal Violations FCRA 1681e ( b ) : Failure to ensure maximum possible accuracy account data differs across all three bureaus.

FCRA 1681i ( a ) : Failure to properly reinvestigate my previous disputes have not resolved these contradictions.

FCRA 611 ( a ) ( 5 ) ( B ) : If this account was previously corrected or deleted, reinsertion without certification and notice is unlawful.

FCRA 623 ( a ) ( 1 ) ( A ) : Furnisher ( XXXX ) provided false, inconsistent, and misleading data to the CRAs. 

FDCPA 807 : Misrepresentation of the character or legal status of debt by showing it simultaneously as open, closed, derogatory, and late.

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 2025-10-09 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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

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 2025-10-09 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-10-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: NV

Complaint narrative:
Dear To Whom It May Concern '' I am writing in regarding a debt you claim I owe. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting validation of this alleged debt. Please provide the following information : The amount of the debt ; The name of the creditor to whom the debt is currently owed ; A detailed breakdown of the charges and how the amount was calculated ; Proof that I am legally obligated to pay this debt ( e.g., signed contract or agreement ) ; A copy of the judgment ( if applicable ) ; Your license number and the name of the state where you are licensed to collect debts. Until you provide proper validation of the debt : I request that you cease all collection activities including phone calls and letters. This letter serves as my written dispute of the alleged debt. If you report this debt to any credit reporting agency without providing the requested validation, you will be in violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ). I request that this collection be removed from my credit report immediately Thank you for your attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: NC

Complaint narrative:
I am escalating my complaint against Discover Bank due to ongoing false reporting and misrepresentation of account information. 

Discover is now reporting a false charge-off date of XX/XX/XXXX to XXXX  and XXXX This contradicts their own prior statements, which confirm the account was charged off in XX/XX/XXXX after delinquency beginning in XX/XX/XXXX. This was confirmed in a prior response from Discover. Stating the account charged off in XX/XX/XXXX. 

These inconsistent and inaccurate reports appear to be an attempt to extend or restart the statute of limitations on a time-barred debt. 

XXXX XX/XX/XXXX response to my prior CFPB complaint stated that the statute of limitations has not expired. However, under North Carolina General Statute 1-52 ( 1 ), the statute of limitations for credit card debt is three years. The account became delinquent in XX/XX/XXXX and charged off XX/XX/XXXX, meaning the statute expired by XX/XX/XXXX. 

Discover is also actively engaged in litigation on this same account ( XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ), which was vacated and discontinued in XX/XX/XXXX. They later issued a new summons referencing the old casean improper continuation of a time-barred debt. 

The misreporting of the charge-off date and Discovers statements to the CFPB are false, misleading, and deceptive under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

I have attached the following supporting documents : Screenshots of my Experian and TransUnion credit reports showing XX/XX/XXXX XXXX Discovers XX/XX/XXXX CFPB response Account statements showing last payment activity prior to XXXX North Carolina XXXX XXXX ( XXXX ) confirming XXXX limitation Court filings showing the case was vacated XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 explanation