vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are no public records on my report, and I am pleading with you to remove these incorrect details as soon as possible. The situation is causing me significant stress, and I will not tolerate it.

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: FL

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I am submitting this statement to formally report Equifaxs continued noncompliance with the Fair Credit Reporting Act ( FCRA ) despite multiple written disputes and the submission of a valid FTC Identity Theft Report with supporting documentation. Despite my repeated requests on XX/XX/year>, XX/XX/year>, Equifax has failed to remove or block the fraudulent DISCOVERCARD XXXX that was opened as a result of identity theft. This inaction constitutes clear violations of FCRA 1681i ( a ) ( 1 ), 1681c-2 ( a ), and 1681i ( a ) ( 5 ) for failing to conduct a reasonable reinvestigation, refusing to block identity theftrelated information, and continuing to report inaccurate data. I have provided Equifax with all the necessary identification and evidence to support my claim, including my FTC Identity Theft Report XXXX. XXXX, proof of address, and government-issued identification. Their repeated disregard of my legal rights under the FCRA has caused ongoing harm and emotional distress due to inaccurate reporting on my credit file.

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 fraud alerts or security freezes — 
Company: Maximus Federal Services, Inc.
State: CT

Complaint narrative:
State of Connecticut close school. Due to a lot of different factors and circumstances.

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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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: TX

Complaint narrative:
I hope this message finds you well. I am reaching out to follow up on the correspondence I previously sent regarding an accounts that reflects a late payment. Upon reviewing my credit report, I noted an entry indicating a late payment, and I am writing to request that Experian, Equifax, and TransUnion credit bureaus correct this error promptly. It is imperative that these accounts be accurately represented on my credit report to ensure the integrity of my financial profile. Therefore, I kindly ask for your assistance in rectifying this matter. Below, I have outlined the specific details of the accounts that require correction. 
DPT EDXXXX 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 DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX 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 DPT EDXXXX 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 DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX 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 DPT EDXXXX 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 2025-11-03 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Account : XXXX XXXX XXXX account XXXX Issue : The 30-day late mark for XX/XX/XXXX contradicts my records and violates federal law under 15 U.S. Code 1666b, which regulates billing and payment due dates.

Violation : Under 15 U.S. Code 1666b ( a ) Time to make payments = A creditor may not treat a payment on an account under an open end consumer as late for any purpose. If a creditor requires that payments be made by a certain due date, the due date must be at least 21 days after the statement is mailed or delivered. XXXX XXXX XXXX failed to comply with this provision ( e.g., by imposing a late fee or reporting delinquency before allowing the required 21-day payment window ).

Demand : Delete the 30-day late mark for XX/XX/XXXX, and update the XX/XX/XXXX payment history to Paid As Agreed, never late. 

Simply parroting information from data furnishers without an actual independent verification constitutes willful noncompliance, as affirmed in XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ). Sham investigations are not accepted and wont be tolerated.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I am submitting this statement to formally report XXXX  continued noncompliance with the Fair Credit Reporting Act ( FCRA ) despite multiple written disputes and the submission of a valid FTC Identity Theft Report with supporting documentation. Despite my repeated requests on XX/XX/year>, XX/XX/year>, Transunion has failed to remove or block the fraudulent XXXX XXXX XXXX that was opened as a result of identity theft. This inaction constitutes clear violations of FCRA 1681i ( a ) ( 1 ), 1681c-2 ( a ), and 1681i ( a ) ( 5 ) for failing to conduct a reasonable reinvestigation, refusing to block identity theftrelated information, and continuing to report inaccurate data. I have provided Transunion with all the necessary identification and evidence to support my claim, including my FTC Identity Theft Report XXXX. XXXX, proof of address, and government-issued identification. Their repeated disregard of my legal rights under the FCRA has caused ongoing harm and emotional distress due to inaccurate reporting on my credit file.

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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
These accounts are being reported under my name without my authorization or awareness, and I have never authorized or managed them. This is completely unacceptable, as it presents inaccurate and misleading information about my financial history. I take my credit profile very seriously, and seeing these unauthorized accounts has caused me significant concern.

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: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I was wrongfully charged {$250.00} multiple times on my account. I reported it as fraud and was told itll be resolved but it has not been resolved at all. I provided evidence, had to get a new bank card, and other things. Nothing has been resolved, updated, or communicated.

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: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX tradeline ( # XXXX ) is currently under active dispute with TransUnion and Equifax. Despite the open reinvestigation, neither bureau has provided the required Method-of-Verification ( MOV ) documentation within the 15-day statutory period under FCRA 611 ( a ) ( 7 ). 

On XX/XX/year>, I sent a certified Dispute and Request for Validation directly to XXXX XXXX XXXX XXXX, which was received and signed by XXXX XXXX on XX/XX/year>. XXXX XXXX never provided validation or ownership documentation within the required time period under FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( b ) ( 1 ) ( AE ). 

On XX/XX/year>, I submitted a Formal Method of Verification ( MOV ) request to TransUnion, requesting full verification records, including e-OSCAR/ACDV data , the furnishers verification contact, and proof that the tradeline was marked Consumer disputes this account. TransUnion did not respond within the statutory 15-day period. 

On XX/XX/year>, I filed CFPB Complaint # XXXX regarding the same issue. XXXX XXXX responded to the Bureau on XX/XX/XXXX, providing only a brief narrative referencing phone calls and home visits but no documents or validation a third verification failure within a federal process. 

On XX/XX/year>, a parallel MOV was sent to Equifax, which also failed to produce verification results. 

As of XX/XX/year>, TransUnion and Equifax continue to report this XXXX XXXX account as Charged Off {$3000.00} with no Consumer disputes this account notation, violating FCRA 623 ( a ) ( 3 ), 623 ( b ) ( 1 ) ( AE ), and 611 ( a ) ( 7 ). XXXX  has already deleted the tradeline, confirming its unverifiable status.

I now request that the CFPB direct TransUnion to furnish all Method-of-Verification results, including e-OSCAR logs, chain-of-custody documents, and validation materials, within this CFPB complaint record for supervisory review and public transparency.

Because XXXX  has already deleted the same XXXX XXXX tradeline as unverifiable, TransUnions and Equifax continued reporting contradicts inter-bureau consistency under FCRA 607 ( b ), evidencing systemic data accuracy failure.

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: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Chime Financial Inc
State: TN

Complaint narrative:
Okay here I go I am XXXX so I can not type I have to speak into it okay about XXXX to XXXX years about 3 years ago I was robbed of my cards and the money I had on him by my alleged daughter she run me over with the car and took everything I had at the time the chime says I was getting the money off the cards I said wait a minute send me a picture of me getting the money all ATMs take pictures they wouldn't do nothing for me they would do nothing I was in the back of an ambulance with a police XXXX making a police report for the XXXX Police department in XXXX Tennessee I could not get them to do nothing I kept calling and they put a man on there they said we here at chime do not get involved with family disputes I said so you're going to continue giving her my money even though I told you not to a XXXX XXXX times he said yes and he did she got over {$4000.00} of my money over the last year too whatever and she was football bold that she was taking it straight off of my account and put it on her cash app clamp account and her bank cards they still would not stop giving her my money nor would they replace my money that they should have it was over XXXX something dollars this was XXXX or XXXX Christmases ago finally I think you people I got a hold of and they got in touch with chime chime did get in touch with me and says well we think it shouldn't be that high will you agree to take XXXX and something I can't quite remember and I said what the heck at this point I've been lost my house I've done lost my motorcycle I've been lost my car and my fiance of over XXXX something years think something's messed up here and left me thinking I'm on drugs which I am not and will gladly take a drug test but anyway they then did not pay me and said they got an extension on paying me until the very last day I wasn't receiving nothing and I called them again then and only then at XXXX in the afternoon my money always goes on before XXXX they started sending a XXXX here XXXX there XXXX another words different amounts to the average up about {$1000.00} and that was all I ever got and every time I call them and dispute it and just bottle it or whatever they call it they refuse

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
amount {$500.00} I have no recollection of this account. I dont know this company nor having any business dealings with them.

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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX tradeline ( # XXXX ) is currently under active dispute with TransUnion and Equifax. Despite the open reinvestigation, neither bureau has provided the required Method-of-Verification ( MOV ) documentation within the 15-day statutory period under FCRA 611 ( a ) ( 7 ). 

On XX/XX/year>, I sent a certified Dispute and Request for Validation directly to XXXX XXXX XXXX XXXX, which was received and signed by XXXX XXXX on XX/XX/year>. XXXX XXXX never provided validation or ownership documentation within the required time period under FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( b ) ( 1 ) ( AE ). 

On XX/XX/year>, I submitted a Formal Method of Verification ( MOV ) request to TransUnion, requesting full verification records, including e-OSCAR/ACDV data , the furnishers verification contact, and proof that the tradeline was marked Consumer disputes this account. TransUnion did not respond within the statutory 15-day period. 

On XX/XX/year>, I filed CFPB Complaint # XXXX regarding the same issue. XXXX XXXX responded to the Bureau on XX/XX/XXXX, providing only a brief narrative referencing phone calls and home visits but no documents or validation a third verification failure within a federal process. 

On XX/XX/year>, a parallel MOV was sent to Equifax, which also failed to produce verification results. 

As of XX/XX/year>, TransUnion and Equifax continue to report this XXXX XXXX account as Charged Off {$3000.00} with no Consumer disputes this account notation, violating FCRA 623 ( a ) ( 3 ), 623 ( b ) ( 1 ) ( AE ), and 611 ( a ) ( 7 ). XXXX  has already deleted the tradeline, confirming its unverifiable status.

I now request that the CFPB direct TransUnion to furnish all Method-of-Verification results, including e-OSCAR logs, chain-of-custody documents, and validation materials, within this CFPB complaint record for supervisory review and public transparency.

Because XXXX  has already deleted the same XXXX XXXX tradeline as unverifiable, TransUnions and Equifax continued reporting contradicts inter-bureau consistency under FCRA 607 ( b ), evidencing systemic data accuracy failure.

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 — Was not notified of investigation status or results
Company: Tower Loan of Mississippi, Inc.
State: TX

Complaint narrative:
The Tower Loan of Mississippi tradeline ( # XXXX ) is currently under active dispute with XXXX  and XXXX. Despite the open reinvestigation, neither bureau has provided the required Method-of-Verification ( MOV ) documentation within the 15-day statutory period under FCRA 611 ( a ) ( 7 ). 

On XX/XX/year>, I sent a certified Dispute and Request for Validation directly to Tower Loan of Mississippi, which was received and signed by XXXX XXXX on XX/XX/year>. Tower Loan never provided validation or ownership documentation within the required time period under FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( b ) ( 1 ) ( AE ). 

On XX/XX/year>, I submitted a Formal Method of Verification ( MOV ) request to XXXX, requesting full verification records, including XXXX data , the furnishers verification contact, and proof that the tradeline was marked Consumer disputes this account. XXXX  did not respond within the statutory 15-day period. 

On XX/XX/year>, I filed CFPB Complaint # XXXX regarding the same issue. Tower Loan responded to the Bureau on XX/XX/XXXX, providing only a brief narrative referencing phone calls and home visits but no documents or validation a third verification failure within a federal process. 

On XX/XX/year>, a parallel MOV was sent to XXXX, which also failed to produce verification results. 

As of XX/XX/year>, XXXX  and XXXX  continue to report this Tower Loan account as Charged Off {$3000.00} with no Consumer disputes this account notation, violating FCRA 623 ( a ) ( 3 ), 623 ( b ) ( 1 ) ( AE ), and 611 ( a ) ( 7 ). XXXX  has already deleted the tradeline, confirming its unverifiable status.

I now request that the CFPB direct XXXX  to furnish all Method-of-Verification results, including XXXX logs, chain-of-custody documents, and validation materials, within this CFPB complaint record for supervisory review and public transparency.

Because XXXX  has already deleted the same Tower Loan tradeline as unverifiable, XXXX  and XXXX  continued reporting contradicts inter-bureau consistency under FCRA 607 ( b ), evidencing systemic data accuracy failure.

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 — Account status incorrect
Company: Informative Research
State: GA

Complaint narrative:
Credit report was pulled on XX/XX/year>, it showed that student loans were in collection in XXXX. This is incorrect information. My student loans are in good standing. I have documents to show I am in good standing ; no past due for XXXX.

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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Credit report was pulled on XX/XX/25, it showed that student loans were in collection in XXXX. This is incorrect information. My student loans are in good standing. I have documents to show I am in good standing ; no past due for 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