vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Problems receiving the advance — 
Company: Chime Financial Inc
State: NH

Complaint narrative:
On XX/XX/year>, while using the Chime app, I mistakenly submitted an incorrect address selecting XXXX  instead of my actual state, XXXX XXXX. I realized the mistake within moments and corrected it back to my correct, verified address. 

However, this brief and corrected error caused my XXXX account to be suspended. I was informed that I now must repay the entire balance of {$220.00} before access to the program will be reinstated. 

This is a genuine misunderstanding and not a sign of fraud, abuse, or relocation. Ive used XXXX responsibly and consistently every XXXX  when Im paid, the entire {$500.00} balance is paid off in full, and my limit resets to {$0.00} as intended. At the time of suspension, I had {$270.00} in available credit remaining, and my payments have never been delinquent. 

My request is simple : I would like my account reinstated so I may continue to use the {$270.00} in remaining credit this week, as I normally would, and repay the full {$500.00} balance next XXXX  as per my usual cycle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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:
I am writing to formally dispute the reinsertion of a previously deleted item in my credit file, which appears to violate the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681i ( a ) ( 5 ) ( B ). 

The item in question XXXX XXXX XXXX XXXX was previously removed from my credit report following a dispute. According to FCRA guidelines, any reinsertion of a deleted item requires that the furnisher certify the items accuracy and that I be notified in writing within five business days of reinsertion. I did not receive such notification, and no new evidence of accuracy has been provided. 

I am requesting immediate removal of the reinserted item and a full investigation into how and why it was reintroduced without proper notice. Please confirm compliance in writing within 15 days, as required under federal law. 

I have attached a copy of the letter from Experian with proof of the deletion from report # 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 2025-07-16 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: CA

Complaint narrative:
Good day, filing this complaint to follow up my previous letters that I'm requesting for correction or update of the account listed below. I am firmly convinced that the reporting of these account is inaccurate, resulting in a negative impact on my credit standing. Despite my diligent efforts to recall any interactions with these account, I have found no evidence of conducting business with them or receiving any services. This discrepancy raises concerns about the accuracy and validity of the reported items. Below is the account that I request to be investigated and updated : XXXX XXXX Balance : {$1400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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:
Good day, filing this complaint to follow up my previous letters that I'm requesting for correction or update of the account listed below. I am firmly convinced that the reporting of these account is inaccurate, resulting in a negative impact on my credit standing. Despite my diligent efforts to recall any interactions with these account, I have found no evidence of conducting business with them or receiving any services. This discrepancy raises concerns about the accuracy and validity of the reported items. Below is the account that I request to be investigated and updated : XXXX XXXX Balance : {$1400.00}

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Chaparral Inc
State: OH

Complaint narrative:
I am disputing an inaccurately reported late payment on my credit report related to my XXXX XXXX XXXX account ending in XXXX. The alleged late payment for XXXX is incorrect and does not reflect my actual payment history. 
Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, consumers have the right to dispute inaccurate information and request an investigation by the credit reporting agencies. Additionally, under 15 U.S.C. 1681s-2 ( a ), furnishers of information ( i.e., the creditor ) are required to report accurate information and correct any errors once notified.

I previously disputed this information with the credit bureau ( s ) and the creditor directly, but the issue has not been resolved. I am requesting that this matter be fully investigated in accordance with FCRA 1681i ( a ) and that the inaccurate late payment entry be removed from my credit report. XXXX XXXX and XXXX 
The continued reporting of this inaccurate information is damaging my creditworthiness and violates my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: GA

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
Consumer complaint received 2025-07-16 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: GA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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:
Upon reviewing my credit report, I have identified the following item ( s ) that are inaccurately reported : ACCOUNTS : XXXX XXXX XXXX / {$660.00} / XXXX, XXXX XXXX XXXX / {$390.00} / XXXX, XXXX XXXX XXXX XXXX XXXX {$1200.00} / XXXX, XXXX XXXX XXXX / {$1900.00} XXXX XXXX, XXXX XXXX XXXX XXXX / {$1500.00} / XXXX XXXX XXXX XXXX  XXXX / {$26000.00} / XXXX, XXXX XXXX XXXX XXXX / {$870.00} / XXXX, XXXX XXXX XXXX {$1100.00} / XXXX, XXXX  XXXX XXXX / {$1100.00} / XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX / {$1900.00} / XXXX, XXXX XXXX / {$1200.00} / XXXX, XXXX XXXX / {$0.00} / XXXX. 
ADDRESS : 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 In accordance with the Fair Credit Reporting Act, I herby request that items be thoroughly investigated and promptly removed from my credit report. It is my understanding that you will verify these items with the relevant creditor. Ant information that the creditor fails to substantiate should be deleted. As stipulated by 15 U.S.C. Sec. 1681 ( a ), I expect this investigation to be completed within 30 days of receiving this statement.

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 2025-07-16 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:
Upon reviewing my credit report, I have identified the following item ( s ) that are inaccurately reported : ACCOUNTS : XXXX XXXX XXXX / {$660.00} / XXXX, XXXX XXXX XXXX / {$390.00} / XXXX, XXXX XXXX XXXX XXXX XXXX {$1200.00} / XXXX, XXXX XXXX XXXX / {$1900.00} XXXX XXXX, XXXX XXXX XXXX XXXX / {$1500.00} / XXXX XXXX XXXX XXXX  XXXX / {$26000.00} / XXXX, XXXX XXXX XXXX XXXX / {$870.00} / XXXX, XXXX XXXX XXXX {$1100.00} / XXXX, XXXX  XXXX XXXX / {$1100.00} / XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX / {$1900.00} / XXXX, XXXX XXXX / {$1200.00} / XXXX, XXXX XXXX / {$0.00} / XXXX. 
ADDRESS : 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 In accordance with the Fair Credit Reporting Act, I herby request that items be thoroughly investigated and promptly removed from my credit report. It is my understanding that you will verify these items with the relevant creditor. Ant information that the creditor fails to substantiate should be deleted. As stipulated by 15 U.S.C. Sec. 1681 ( a ), I expect this investigation to be completed within 30 days of receiving this statement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
I am writing to formally file a complaint regarding my XXXX XXXX XXXX and the circumstances that led to a balance owed to XXXXXXXX XXXX which has now contributed to my loan being in default and is preventing me from using financial aid to return to school. 

Between XXXX and XXXX, I was enrolled at XXXX XXXX and was in my second semester as a XXXX when I was informed by the XXXX XXXX Department that I had lost my financial aid eligibility for that semester. I expressed my desire to withdraw from my classes at that time due to this loss of financial support, as I could not afford to pay for tuition out of pocket. 

However, I was advised by the university staff to remain enrolled, as they suggested I would likely be approved for a private lender loan to cover the tuition and fees. Trusting their guidance, I stayed enrolled in my classes while waiting for the outcome of the private loan application. Unfortunately, I was not approved for the private loan. I was then forced to withdraw from my courses, but by the time I did so, it was past the deadline to drop classes without financial responsibility. 

As a result, I was left with a balance of approximately {$2000.00} for that semester, which I was unable to pay. That balance has since prevented me from enrolling again or receiving any form of federal financial aid. To make matters worse, the XXXX XXXX is now in default, further impacting my ability to return to higher education and placing a burden on my credit and financial stability. 

I believe this situation was caused by misleading and poor advisement on the part of the university. Had I been properly informed of the risks and deadlinesor been allowed to drop my courses immediately without financial penaltyI would not be in this position today.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: CA

Complaint narrative:
I value my credit the same as everyone else 's which is why I'm really upset about the mistakes I saw on my credit report. They are mixed, fraudulent information that Ive never authorized or benefited from. These errors are causing me a lot of stress and its affecting everything. I need you to make sure all this information is 100 % correct and I went them done ASAP. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. If you can not certify that all data belongs to me, these accounts and its respective charges must be removed entirely and I need you to address this as soon as possible to prevent further damage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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:
This letter serves as my final demand under the Fair Credit Reporting Act ( FCRA ) 605B and Texas Business & Commerce Code 20.06. You have repeatedly failed to investigate my identity-theft disputes, reinserted previously deleted tradelines without notice or explanation, and refused to produce your internal policies and procedures governing FCRA reinsertion , conduct that violates federal law and Texas consumer-protection statutes. Your recalcitrance leaves me no choice but to demand immediate corrective action. I am a documented victim of identity theft. The following accounts, which I never authorized and do not legally own, were fraudulently opened and continue to appear on my Equifax credit file despite my prior disputes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1. Statutory Blocking and Removal Obligations a. FCRA 605B requires you to block any information resulting from identity theft within four ( 4 ) business days after receipt of proper documentation.

b. Texas Bus. & Com. Code 20.06 mandates permanent blocking of identity-theft related data within thirty ( 30 ) days of notice.

c. FCRA 611 ( a ) ( 5 ) ( B ) obligates you to notify me in writing within five ( 5 ) business days of any reinsertion of previously deleted items and to furnish the procedures under which you permitted that reinsertion.

2. Your Failures and Continuing Violations a ) b ) c ) You have labeled my disputes frivolous and refused any further investigation.

You have reinserted each of these tradelines without providing the required written notice or a copy of your internal policies and procedures regarding such reinsertion.

You have failed to block these fraudulent accounts promptly, in violation of FCRA 605B and Texas law.

Im going legal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: NC

Complaint narrative:
Experian, Transunion as well as Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, 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 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 's inaction violates federal law and my rights as a Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, 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 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 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: NC

Complaint narrative:
Experian, Transunion as well as Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, 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 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 's inaction violates federal law and my rights as a Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, 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 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 's 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
Consumer complaint received 2025-07-16 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: SOFI TECHNOLOGIES, INC.
State: IN

Complaint narrative:
I had unauthorized activity on my bank on XX/XX/year>. It was like XXXX. My phone was stolen along with my wallet. I've tried resolving this with the bank but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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:
I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by Equifax Information Services LLC. Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing. 
Details of the Complaint : 9. Failure to Ensure Maximum Possible Accuracy The FCRA requires that credit bureaus and creditors ensure the accuracy of the information they report. My credit report contains inaccurate entries from XXXX ) -XXXX XXXX XXXXXXXX # XXXX, that remain unverified despite formal disputes, causing significant harm to my credit score and credibility. Previous attempts to address these inaccuracies have been inadequately handled, demonstrating a failure to uphold FCRA standards for accuracy. 
10. Inadequate Investigation and Reliance on Automated Verification Systems Under FCRA, 15 U.S.C. 1681i ( a ) ( 7 ) and 1681s-2, creditors and credit bureaus must conduct thorough investigations of disputed information. However, my previous disputes have been met with automated responses through systems like e-OSCAR, which fail to meet legal requirements for a complete investigation. This approach neglects a comprehensive review of the disputed entries, perpetuating inaccurate information on my report. 
11. Non-Compliance with Truth in Lending Act ( TILA ) Requirements As outlined in TILA, creditors must issue clear and accurate billing statements and disclose essential account information to consumers. Equifax Information Services LLC has not adhered to TILA requirements in handling my account, resulting in erroneous charges and inaccurate reporting. This failure to comply with TILA has compounded the inaccuracies on my credit report, further violating my rights as a consumer. 
12. Violation of FDCPA Standards for Accuracy and Non-Deceptive Practices The FDCPA mandates that debt collectors and furnishers of information must report accurate, verifiable data. The accounts in question have been repeatedly reported inaccurately, with misleading information that has not been corrected despite my disputes, constituting a violation of FDCPA protections.

Company response to consumer: Closed with explanation