vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Chime Financial Inc
State: DE

Complaint narrative:
I use the my pay feature on chime, which gives you up to {$500.00} and it is repaid on payday per their policy. It states that it has to be repaid with a qualifying direct deposit and can not be taken from bank transfers. Today I transferred {$300.00} into my account from my XXXX XXXX, which would be a bank transfer. Chime took the money to pay back the my pay even though my qualifying direct deposit is on schedule for XX/XX/XXXX. When I called and reiterated their policy per the website, they put me on hold for over an hour and refused to help me. I was then told by a representative named XXXX that my account was closed when I asked her why my account was closed. She denied ever saying that even though the call is on a recorded line.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting this complaint against the three major credit bureausExperian, XXXX, and XXXX ongoing, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with Metro 2 Format and CDIA industry standards. 

Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of documentary evidence or conducting a lawful investigation as required under 15 U.S.C. 1681i ( a ). 

Instead, they rely on the deeply flawed and automated e-OSCAR system, which merely forwards dispute codes to furnishers and accepts their response without independent verification. This practice has been widely criticized by the CFPB and ruled inadequate in court. 

Violations and Legal Basis : The following violations form the basis of this complaint : XXXX5 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnisher failure to correct or delete disputed information Metro 2 and CDIA Guidelines Failure to comply with reporting format and data integrity standards Further, the credit bureaus use of e-OSCAR has been ruled insufficient in legal precedent : " A credit reporting agency may not rely blindly on the [ furnisher 's ] investigation. The agency has an obligation to conduct a reasonable investigation itself. '' XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX CAP XXXX NA XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX SYNCB/BELK XX/XX/XXXX ALLY CREDIT XXXX XX/XX/XXXX Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require Experian, XXXX, and XXXX  to : Immediately delete all negative items previously disputed that can not be verified with complete documentation Cease reporting unverifiable data and require original source validation for all disputes Re-review investigation procedures and prohibit reliance solely on e-OSCAR as a substitute for human reinvestigation Certify in writing that corrective actions have been taken and notify all furnishers and third-party users of the updated 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 2025-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To : Portfolio Recovery Associates , LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Credit Bureau Address ] XXXX XXXX Subject : Formal Dispute of Inaccurate Debt Reporting Re : Account No. XXXX Balance {$460.00} -- - Dear Compliance Officer, I am formally disputing the accuracy and completeness of the above-referenced account as it appears in my credit profile. This dispute is filed in accordance with the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), U.C.C. 3-501 & 3-505, and contract law principles regarding accurate accounting and lawful contract validation.

-- - Grounds for Dispute 1. Failure to Validate Debt You have not provided verifiable proof of the original contract or a signed agreement obligating me to this alleged debt. Under 15 U.S.C. 1681s-2 and U.C.C. 3-501, I demand strict proof, including : Original signed contract or agreement with the original creditor.

Complete chain of assignment proving your legal right to collect.

Itemized account statement validating the alleged balance.

2. Procedural Verification Required Per 15 U.S.C. 1681i ( a ) ( 6 ) and 1681e ( b ), provide : The system name, version, and record identifier used to verify this account during Automated Consumer Dispute Verification ( ACDV ).

Evidence that the information furnished complies with the duty to maintain accuracy.

3. Inaccurate & Misleading Reporting The account is being reported as {$460.00} past due as of XX/XX/year>, despite inconsistencies in the reported update history and no verified proof of ownership or liability. This constitutes negligent and willful violation of your duties under 15 U.S.C. 1681e ( b ).

4. Cease & Desist Demand In accordance with 15 U.S.C. 1692c ( c ) ( FDCPA ) and U.C.C. 1-308, I hereby reserve my rights and demand you cease further reporting, collection efforts, or third-party communication regarding this unvalidated account until lawful validation is provided. 




-- - Required Actions Immediately conduct a proper reinvestigation within 30 days of receipt of this letter. 

Provide documented validation of the debt as requested above. 

Correct or permanently delete this inaccurate entry from my credit profile if you can not validate the claim. 


Failure to comply will result in further action, including but not limited to filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and potential civil litigation for statutory damages as provided under 15 U.S.C. 1681n & 1681o. 


-- - Sincerely, XXXX XXXX XXXX XXXX XXXX Authorized Signatory

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am reaching out to formally dispute fraudulent information appearing on my credit report, pursuant to 15 U.S.C. 1681c-2. I am requesting that this information be blocked or removed immediately. Attached to this letter is my Identity Theft Report issued by the FTC ( FTC Report Number : XXXX ) as evidence of my claim. 
According to the referenced law, when a consumer submits a valid identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within XXXX ( XXXX ) business days. 
The following account listed on my credit report is the direct result of identity theft and must be blocked immediately : XXXX XXXX - XXXX In accordance with 15 U.S.C. 1681c-2, I respectfully request that this account be blocked from my credit file without delay. The block should remain in place for a period of XXXX year, with the option to extend if needed. During this period, no information related to this account may be reported. 
I have made multiple attempts to contact [ insert name of the credit reporting agency ] to report this issue, but I have not received a clear or satisfactory resolution. 
I am currently going through a difficult financial time, and these accounts are seriously affecting my ability to achieve financial stability for myself and my family. 
Its important to note that other credit bureaus have already removed these accounts due to lack of verification, so I do not understand why this agency continues to report them as valid. Furthermore, I requested copies of any contracts or documents supposedly linking me to these accounts, and more than XXXX  days have passed without a response. 
I kindly ask for your support and understanding, and I urge you to take immediate action to block or remove these accounts. This situation is causing significant personal and financial harm.

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 2025-09-02 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: GA

Complaint narrative:
The investigation did not fix an error on my credit 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 explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The investigation did not fix an error on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax Information Services LLC Attn : Office of General Counsel XXXX XXXX XXXX XXXX XXXX XXXX Re : Legal Demand False and Misleading XXXX Tradeline To Counsel : This is a formal legal demand concerning Equifaxs continued publication of materially false and misleading credit information about my former XXXX automobile account. 

Equifax has published : Contradictory Metro 2 codes : reporting Code XXXX Paid in Full alongside Codes XXXX Charge-Off and XXXX Repossession. 
A fabricated high balance of {$27000.00} not supported by XXXX ledgers. 
Fake payments of {$50.00} and {$200.00} reported after repossession. 
Misrepresentation of {$50.00} auction proceeds as a consumer payment. 
Repeated monthly charge-off notations, which mislead creditors into believing I am in ongoing default. 
A deficiency balance of {$6400.00} built on contradictions, including XXXX admission it can not locate the bill of sale for the repossessed vehicle. 

This reporting violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) and 1681i. The Eleventh Circuit has held that information is inaccurate if it is misleading to creditors ( Pedro v. Equifax, 868 F.3d 1275 ( 11th Cir. 2017 ) ), that reputational and economic damages are recoverable ( Cahlin v. GMAC, 936 F.2d 1151 ( 11th Cir. 1991 ) ), and that CRAs must conduct reasonable reinvestigations ( Losch v. Nationstar, 995 F.3d 937 ( 11th Cir. 2021 ) ).

DEMAND Equifax must, within fifteen ( 15 ) days of receipt of this letter : 1. Permanently delete the XXXX tradeline from my consumer credit file and confirm it will not be reinserted ; and 2. Compensate me in the amount of {$35000.00} for the financial, reputational, and emotional damages caused. 

Correction is not acceptable. This tradeline has been false, contradictory, and unsubstantiated for years. If you fail to resolve this matter, I will file suit in the United States District Court for the XXXX XXXX of Alabama under 15 U.S.C. 1681n and 1681o. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: VA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( XXXX ). I want you to include the following information : XXXX. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the XXXX. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 2025-09-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: United Shore Financial Services, LLC
State: CO

Complaint narrative:
In XX/XX/year>, I purchased a property located aXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX using a loan from United Wholesale Mortgage. 
The seller was XXXX XXXX, a real estate flipper based in XXXX XXXX During the purchase and appraisal process, XXXX XXXX, together with his listing agent XXXX XXXX, deliberately concealed significant foundation issues. Through calculated and sophisticated deceptive tactics, they withheld critical information in the sellers disclosure, despite clear evidence that both were aware of the problem. 
By doing so, XXXX and XXXX misled the lending company, the appraiser, and myself as the buyer, ultimately securing the highest possible appraisal for the home. This constitutes fraud and a violation of federal law. 
The truth came to light only one month after the purchaseby which time XXXX XXXX had already received the sale proceeds. As a result of the concealed foundation damage, I was forced to take out a {$67000.00} loan in XX/XX/year> to carry out necessary repairs. Despite these repairs and the additional financial burden, the house still has issues and no longer appraises for the value of the original loan. 
I am including documentation that shows how XXXX XXXX deceived both the lender and the buyer, securing financial gain through fraudulent means.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: Westlake Services, LLC
State: PA

Complaint narrative:
They repossessed my vehicle without first providing me with a required Notice of Default or Right to Cure, violating my state 's consumer protection laws.After repossession, I was never given a Notice of Sale or a Deficiency Balance Notice, which are required under UCC XXXX XXXX and s g- 614. 

This failure deprived me of my right to edeem the vehicle or understand the amount allegedly owed. The account is also being reported to the credit bureaus inaccurately and without proper documentation, violating the Fair Credit Reporting Act ( 15 U.S.Code XXXX XXXX ). 
XXXX Iam demanding a fullinvestigation and the immediate removal of this account from all credit, reports due tO these violations and failure to follow lawful procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: CA

Complaint narrative:
I am writing to formally dispute inaccurate information that appears on my credit file with your bureau. This letter is being sent pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and 15 U.S.C. 1605 ( a ) regarding finance charges.

On my credit report, the account listed below is being reported with late payments. However, under 15 U.S.C. 1605 ( a ), if a finance charge was included in the sum of all payments for this account, there should not be any late payments reported. 
Account in Question : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: CT

Complaint narrative:
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the Fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual whom the report relates to according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general after any reinvestigation under ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( 1 ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( 2 ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681 s-2 they are supposed to 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. 

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. 

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 non-monetary relief
Consumer complaint received 2025-09-02 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:
Experian and XXXX  has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and XXXX alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and XXXX inaction violates federal law and my rights 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