vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: IDAHO CENTRAL CREDIT UNION
State: ID

Complaint narrative:
I am filing a complaint regarding an unauthorized debit card transaction on my XXXX  checking account for {$880.00} ( XXXX dated XX/XX/year>XXXX  ). I did not authorize this transaction, and no one had permission to use my card or account information. I reported the dispute promptly to XXXX. 

XXXX initially issued a provisional credit, but months later they reversed that credit and overdrew my account. They have not provided any documentation proving that I authorized this transaction, nor have they supplied the investigation notes or evidence required under Regulation E ( 12 CFR 1005.11 ). Instead, XXXX told me to contact the merchant directly, which is not permitted for unauthorized electronic fund transfers. The bank is legally required to investigate and resolve the issue. 

I requested the documentation they relied on, and they refused to provide it. Their conclusion that the transaction was authorized is not supported by any evidence, and the reversal of the provisional credit was improper. I am requesting regulatory assistance to have the transaction fully reinvestigated, receive the documentation the bank relied upon, and have my funds restored if XXXX  can not prove I authorized the transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: TX

Complaint narrative:
Dear Sir/Madam, I am submitting this dispute in accordance with the Fair Credit Reporting Act ( FCRA ) and respectfully request that the listed accounts be investigated and corrected. Below are the accounts in dispute, separated by each bureau : Charged Off Accounts : XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$9900.00} XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$370.00} XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$890.00} XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$550.00} XXXX  XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$590.00} XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$270.00} Inquiries XXXX, Date : XX/XX/XXXX Late Payments XXXX, Account Number : 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 2025-12-03 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-12-03 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: EQUIFAX, INC.
State: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio Recovery tries to collect a debt that is not owed. XXXX XXXX  PRESENT DAY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY

Complaint narrative:
I submitted a formal dispute to the credit reporting bureau on [ insert date ] regarding inaccurate late payment remarks on my credit report. 
The account ( s ) I disputed are : XXXX Account # XXXX Late payment ( s ) reported on XX/XX/year>XXXX  In my letter, I requested : A reinvestigation of the late payment remark ( s ) Proper verification and documentation of the derogatory reporting A description of the method of verification used, as required by FCRA 1681i ( Section 611 ) As of today, over 30 days have passed and I have not received a response, nor has the inaccurate information been corrected or removed from my report. 
This failure to investigate and respond violates multiple provisions of the Fair Credit Reporting Act, including : FCRA 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation FCRA 1681e ( b ) Failure to ensure maximum possible accuracy I am now forced to escalate the matter due to the bureaus noncompliance.

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 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc

Complaint narrative:
On XX/XX/XXXX I was blocked my Chime bank account because I don't have a currently valid XXXX issued document. 

I asked why was I allowed to open a bank account in the first place, if I never had an American issued document. 

Basically, even if I opened it with an XXXX  passport, my XXXX  page on it, declaring I was working for XXXX XXXX in XXXX from XX/XX/XXXXXXXX  to XX/XX/XXXX, was the work permit they needed to open it. 

I wasn't informed about the need to close my account on my way out from the United States, so on XX/XX/XXXXXXXX  my bank account with almost XXXX XXXX dollars on it will just be closed due to inactivity and I can do nothing about it, since I can not unfreeze it since I never had an American document. 

Right now I am XXXX  and I am in XXXX, that doesn't let me be back in the United States to work anytime soon as in the next year. 

I would like to know if there is anything I can do about it to have my money back. 

I consent to give you any personal information you could need to solve this issue for me. 

I am XXXX  : XXXX Name : XXXX XXXX XXXX in : XXXX Date of XXXX Residency : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX, XXXX In case I will need an international transfer of my money on my Italian account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: T.S. Holdings
State: OH

Complaint narrative:
I am filing this complaint against IQ Data XXXX for reporting an alleged apartment debt for XXXX XXXX XXXX ( OH ) on my credit reports with a balance of {$5400.00}, even though they have never provided proper validation of the debt as required under FDCPA 809 ( b ). I have no signed lease, no itemized accounting, and no proof that IQ Data owns or has legal authority to collect this debt. 

IQ Data has been reporting inconsistent and inaccurate information to all three credit bureaus. XXXX  reports the account as Open Collection/Charge-off, while XXXX and XXXX report the account as Closed Collection/Charge-off. This violates FCRA 623 ( a ) ( 1 ) ( A ) and 607 ( b ), which require furnishers to report information with maximum possible accuracy. 

In addition, my account shows a balance increase from {$5400.00} to {$5400.00} without any explanation or accounting. IQ Data has not communicated any legitimate calculation of the charges or fees. 

I also submitted a written debt validation request, and IQ Data has failed to provide : A copy of the original lease agreement bearing my signature Proof of assignment or ownership of the alleged debt A full itemized accounting Evidence that the debt is even legally collectible in my state Continuing to report a debt that can not be validated violates : FDCPA 807 ( 8 ) communicating credit information known to be false FDCPA 809 ( b ) failure to cease reporting pending validation Ohio Consumer Sales Practices Act ( O.R.C. 1345.02 ) unfair/deceptive collection practices Despite my dispute, IQ Data continues reporting this debt as if it is valid, damaging my credit and preventing accurate reinvestigation by the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: AL

Complaint narrative:
I settled the outstanding balance with XXXXXXXX XXXX in full prior to their reporting to all three credit bureaus. However, the payment was not applied until XX/XX/year>. I subsequently initiated a dispute with Experian, providing evidence that the balance had been paid in full. Nevertheless, XXXXXXXX XXXX  confirmed twice that the reported balance was accurate and failed to update the credit bureaus to reflect that the account had been settled in full.

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 2025-12-03 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: IL

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ 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 2025-12-03 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: PA

Complaint narrative:
I have no knowledge of these inquiries, and they seem to be unauthorized and possibly fraudulent. I request immediate action to resolve this matter. Please review the attached documents for further clarification.

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 2025-12-03 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: NC

Complaint narrative:
Dear Sir/Madam, I respectfully dispute the following accounts reported inaccurately on my credit report. Kindly review and resolve the issues with these accounts. 

Charged Off Accounts XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$21000.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$21000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: LEXISNEXIS
State: TX

Complaint narrative:
XXXXI am filing a complaint regarding an obsolete and inaccurately reported XXXX XXXX bankruptcy that the credit bureaus refuse to delete.\n\nThe bankruptcy (Docket #XXXX) was filed on XXXX XXXX XXXX  and discharged on XXXX XXXX XXXX Under FCRA 605(a)(1), a XXXX XXXX bankruptcy may only be reported for 10 years from the filing date, which means the mandatory deletion date was XXXX XXXX XXXXToday is beyond that legal reporting period. The bankruptcy is now obsolete and must be removed.\n\nDespite multiple disputes with XXXX, XXXX, and XXXX, the bankruptcy remains and is being reported inconsistently and inaccurately, including:XXXXThese variations violate FCRA 607(b) due to conflicting docket numbers, inconsistent court names, and a lack of accuracy or verifiability.\n\nI am requesting CFPB enforcement because the credit bureaus are refusing to delete an obsolete public record that is past the legal reporting time limit, inaccurate, and unverifiable, which violates FCRA 605(a)(1), 607(b), and 611(a)(5).'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing a complaint against XXXX regarding my personal XXXX XXXX credit card account ending in XXXX. XXXX continues to ignore my Cease & Desist request, my hardship and indigence documentation, and all follow-up correspondence. 

I submitted a Cease & Desist & Statement of Financial Hardship on XX/XX/year>, with my Affidavit of Indigence and SSXXXXI income verification. I followed up on XX/XX/year>, and again on XX/XX/year>, clarifying that this is a personal credit card account, not a business account. 

All of these letters were sent via USPS and confirmed delivered, including deliveries on XX/XX/year>XXXX  and XX/XX/year>. 

Despite this, XXXX continues to send the same form letter every month ( copies dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), stating they require more information and instructing me to call them which violates my Cease & Desist. 

Additionally, XXXX continues to misaddress the account to a business name ( XXXX XXXX XXXX XXXX XXXX ), even though I have repeatedly informed them in writing that this is not a business account. This misclassification is harmful and inaccurate. 

XXXX has failed to : acknowledge receipt of my hardship documents update my account as hardship/uncollectible comply with my Cease & Desist correct the account classification update the credit bureaus with the required disputed by consumer notation respond to my XX/XX/year>XXXX  Final Notice I am XXXX, XXXX XXXX and my only income is SSXXXXI. XXXX continued failure to process my documentation has caused ongoing stress and credit 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 2025-12-03 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: GA

Complaint narrative:
I am filing a complaint against XXXX regarding my personal XXXX XXXX credit card account ending in XXXX. XXXX continues to ignore my Cease & Desist request, my hardship and indigence documentation, and all follow-up correspondence. 

I submitted a Cease & Desist & Statement of Financial Hardship on XX/XX/year>, with my Affidavit of Indigence and SSXXXXI income verification. I followed up on XX/XX/year>, and again on XX/XX/year>, clarifying that this is a personal credit card account, not a business account. 

All of these letters were sent via USPS and confirmed delivered, including deliveries on XX/XX/year> and XX/XX/year>. 

Despite this, XXXX continues to send the same form letter every month ( copies dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), stating they require more information and instructing me to call them which violates my Cease & Desist. 

Additionally, XXXX continues to misaddress the account to a business name ( XXXX XXXX XXXX XXXX XXXX ), even though I have repeatedly informed them in writing that this is not a business account. This misclassification is harmful and inaccurate. 

XXXX has failed to : acknowledge receipt of my hardship documents update my account as hardship/uncollectible comply with my Cease & Desist correct the account classification update the credit bureaus with the required disputed by consumer notation respond to my XX/XX/year> Final Notice I am XXXX, XXXX XXXX, and my only income is SSXXXXI. XXXX continued failure to process my documentation has caused ongoing stress and credit 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 2025-12-03 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: GA

Complaint narrative:
Dear Sir/Madam, I am a consumer who is actively working to repair my credit. Below are the details of the accounts I am disputing. I respectfully request that these issues be investigated and resolved according to the Fair Credit Reporting Act ( FCRA ). 

CHARGED OFF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief