vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: LA

Complaint narrative:
Their a multiple charges on my account over XXXX I have submitted proof of court documents and proof of XXXX  in which the XXXX  was never contacted for validation. I was XXXX  for XXXX  XXXX  when my money was stolen I have filed multiple claims and still have been denied. XXXX XXXX XXXX. I was arrested and returned home XX/XX/2025. And had never given any one authority to use my card. The on XX/XX/2025 my card was co pomoromised by a car dealership that a purched a vehicle at on XX/XX/2025 I also sent in the police report and had the officer contact chime via phone and still all XXXX claims were denied. I have contacted multiple companies who all claim they have not received any notifications from chime regarding the disputes with bank chime supervisor on the phone and while the sales were being recorded each company we contacted stated they've had no communication with chime to validate a denial and chime has not provided proof of what was used to make accurate claim of information. Chime was also give the police report number and the investigation information number and they still have yet to have reached out to the police departments. In which they have provided this information for validation. Then they also told me thats they can not use the letter of incarceration as proof that I would need to supply other evidence when I asked what other kind of evidence they just kept to thier rebuttal man we can not usbthe documents submitted we we need other proof. I am so confused what else it the to give if I've sent validation of proof of incarceration. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: CA

Complaint narrative:
This complaint is being filed against Experian Information Solutions , Inc. for willful and negligent violations of the Fair Credit Reporting Act ( FCRA ), specifically under 1681i and 1681s-2 ( b ), regarding Experians failure to properly investigate and correct clearly inaccurate and unverifiable late payment data previously disputed by the consumer, XXXX XXXX XXXX Despite a prior dispute submitted on XX/XX/XXXX, Experian continues to report false late payment entries for accounts under XXXX XXXX XXXX XXXX ( Account No. XXXX & XXXX ), covering the months XX/XX/XXXX through XX/XX/XXXX and XX/XX/XXXX, as well as older late entries from XX/XX/XXXX and XX/XX/XXXX. 

Experians reinvestigation response failed to include any supporting verification, documentation, or communication from the furnisher to substantiate the alleged delinquencies. Instead, Experian appears to have performed a superficial review and allowed the inaccurate data to remain, which constitutes a reckless disregard for the consumers rights.

Under FCRA 1681i, Experian is required to conduct a reasonable reinvestigation when a dispute is filed and to delete any information that can not be verified. Furthermore, FCRA 1681s-2 ( b ) mandates that furnishers must cease reporting unverifiable data. By maintaining these false entries, Experian has willfully violated both statutory duties, causing ongoing harm to XXXX XXXX creditworthiness, financial reputation, and access to fair credit terms. 

To resolve this matter, the consumer, through XXXX XXXX XXXX, XXXX and authorized representative XXXX XXXX, demands that Experian immediately delete all unverifiable and inaccurate late payment entries tied to the XXXX XXXX XXXX XXXX accounts from the consumers credit file. Experian must also provide full documentation of its verification process, including the verifiers credentials, data sources used, and communication with the furnisher. The consumer seeks prompt correction of all reporting errors, issuance of a revised and accurate credit report, and written confirmation that these items have been permanently removed to ensure full compliance with the Fair Credit Reporting Act. Failure to act swiftly and transparently will compel further escalation through regulatory enforcement and legal remedies to hold Experian accountable for ongoing violations and consumer 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 2025-11-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
Beginning around XXXX XXXX XX/XX/year> this company has refused to provide explanation in clarity of where my extra money/payments have been going. I filed a complaint with the Better Business Bureau by this company refused to provide documented or written response to my concerns of my extra XXXX of dollars in payment! They instead called during my working hours insisting I call them. I also initially tried text messaging this company to explicating explain to the customer rep that my extra payments were to reduce the amount owed abcs I couldnt understand how they were saying I was behind even when there were months I paid XXXX or XXXX  times the monthly payment. 
This company practices deceitful business and practices when it comes to collections or payments! 
Why couldnt they provide documented explanations of my concerns with my interest and balance? Why was my extra payments not applied to my principal!? To this day they keep applying extra payments to the principal even when its not due yet! 

They are scammers and predatory! I wanted maximize the benefits, ensure the extra payment is applied directly to the principal and not to future payments or interest! 

Even after I contacted the BBB and requested they response in the BBB complaint, this company gave a vague please contact us for more details or we tried to contact you! I did not accept this response and continued to ask them to explain/respond directly in writing via the complaint. 

Unacceptable to take advantage of someone during these difficult times!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I assert that the incorrect late payment entries on my accounts are in direct breach of 15 USC 1666. My payment history has always been timely, and any errors reflected in these records are both improper and unlawful.

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 2025-11-03 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
They, Care Credit/ Synchrony is not and has not followed the terms of their contract. Most of my payment goes to accrued interest. Also end up paying a high fee for a late payment. Which you are given even if you call in ahead of time and explain that you are going to be a couple of days late with your payment. Even though their statement states that you may be charged a late fee. They breached the terms of their contract contract. So my account should be closed and dropped.

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 monetary relief
Consumer complaint received 2025-11-03 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:
I observed my credit report and identified inaccurate accounts that require reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: TX

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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 2025-11-03 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:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: FL

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : 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 2025-11-03 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: FL

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : 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 2025-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
It all started on XX/XX/XXXX of this year. A person who claimed to be XXXX XXXX XXXX supposedly helped me avoid a scam attempt. After that, he asked if I had a credit card, to which I replied yes, but that I had an outstanding balance. He told me, " I'll pay the total, and when I return, you can pay me back. '' He made the payment to my Capital One account, of which I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX I gave him access to my account so he could pay with his " account '' at XXXX XXXX and he paid {$1500.00} from XXXX XXXX XXXX and {$390.00} from XXXX XXXX. At first, everything seemed fine, but then Capital One sent a message explaining that my accounts were restricted and that they wouldn't remove the restriction until they verified the identity of the XXXX XXXX account owner. The supposed owner gave me all sorts of excuses, even sending me a screenshot of his driver 's license, which I verified was fake.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: LA

Complaint narrative:
Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX Incorrect DOB : - XXXX  Incorrect Name : - XXXX XXXX XXXX Employer XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX XXXX, LA XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged 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 2025-11-03 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: VA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-03 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: CA

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant XXXX  and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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 2025-11-03 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: CA

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant XXXX  and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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 2025-11-03 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: CA

Complaint narrative:
I am submitting this complaint because TransUnion is inaccurately reporting late payments on two accounts that are fully paid and current. The first is XXXX ( account ending in XXXX ), reported as late for XX/XX/year>, even though the account shows Paid with a XXXX XXXX balance of {$0.00}. The second is XXXX  ( account ending in XXXX ), which is also listed with a Paid status and Past Due balance of {$0.00}, yet TransUnion still reflects a late payment from XX/XX/year>. 

These reports make no sense because a late payment can not exist on an account that is fully paid and current. The data is clearly inconsistent both accounts are listed as current with XXXX past-due amounts, but are simultaneously tagged with derogatory late-payment notations. I discovered these discrepancies while reviewing my credit file after being denied a small line of credit that I should have easily qualified for. Seeing these errors was frustrating, especially because I have never neglected either account and have maintained consistent payments. 

When I disputed the errors directly with TransUnion, I received a brief response claiming the information had been verified. However, no one explained how or by whom this verification was done. There was no documentation, no contact from the creditors, and no reasonable investigation as required by the Fair Credit Reporting Act ( 15 U.S. Code 1681 ). This law makes it clear that credit bureaus must ensure all information is accurate and verifiable. Similarly, under 15 U.S. Code 1666 ( b ), creditors must correct any billing or reporting errors that misrepresent payment timing or status. 

By allowing these incorrect late-payment entries to remain, TransUnion is failing to uphold its duty of accuracy and reasonable investigation under the FCRA. I am being penalized for something that is factually incorrect. The emotional and financial consequences have been real unnecessary stress, anxiety about future credit opportunities, and the embarrassment of being declined for credit due to information that shouldnt be there in the first place.

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 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint against TransUnion because my credit report includes a series of credit inquiries that I never authorized or consented to. These inquiries have appeared across different months and from companies I have no existing or prior relationship with. The specific inquiries reporting on my TransUnion file include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have never given written or verbal consent for many of these companies to access my credit profile, nor have I initiated any credit applications with them. I understand that under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681, credit reporting agencies are required to ensure that all information, including inquiries, is reported accurately and only when properly authorized. Unauthorized or inaccurately listed inquiries not only violate this federal protection but also lower my credit score and create unnecessary suspicion about my financial credibility. 

I have attempted to resolve this issue through the standard dispute process, but TransUnion continues to verify these inquiries without providing documentation that proves my authorization. Simply verifying the data with the furnisher is not sufficient under the law ; TransUnion has a duty to ensure a reasonable investigation and to remove or correct unverified information once a consumer raises a legitimate dispute. The ongoing presence of these inquiries represents a failure to uphold that obligation. 

This situation has caused me significant frustration and emotional stress. Seeing inquiries I did not authorize gives the impression that my private financial data has been accessed improperly, and it makes me question the integrity of the security measures in place to protect consumer information. The emotional impact of feeling that my privacy is disregarded has been just as damaging as the financial implications of these false inquiries on my credit score.

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 2025-11-03 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: LA

Complaint narrative:
Listed below are the Personal Information that are being challenged Employer - XXXX XXXX  Employer - XXXX XXXX XXXX Incorrect Name : - XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, LA XXXX Incorrect DOB : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, LA XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, LA XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX DPT ED/XXXX - XXXX XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged 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