vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-21 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:
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 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 2025-02-21 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: FL

Complaint narrative:
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 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 explanation
Consumer complaint received 2025-02-21 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:
XXXX XXXX XXXX XXXX998 This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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:
This account showed up on my Equifax credit report XXXX XXXXXXXX XXXX XXXX but there is no account number and no identifying information related to me. Therefore ; I called the number thats listed on my credit report : Creditor Information XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX And there is no knowledge of me ever having an account with the initial company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Chime Financial Inc
State: CA

Complaint narrative:
Dear CFPB, I am submitting this complaint regarding chimes unlawful actions in refusing to accept my valid identification, closing my account after accepting my deposit, and withholding my funds without justification. 

XXXX. Summary of Issue : I am a legal XXXX resident, and XXXX explicitly states on its website that legal residents are eligible to open accounts. Based on this, I opened an account with Chime and deposited funds. However, when I attempted to access my money, the bank : Refused to accept my valid XXXX XXXX and XXXX government-issued work visa as identification. 
Claimed I need a XXXX passport ( which is legally impossible for a non-citizen and contradicts their own policies ). 
Closed my account without cause after taking my deposit, leaving my balance inaccessible. 

The customer service representative, XXXX, refused to provide assistance or escalate my complaint. The only solution offered was for me to obtain a XXXX passport, which is not a legal requirement for a XXXX resident to maintain a bank account. 

XXXX. Violations of Banking Regulations : Chimes actions appear to violate multiple regulations, including : Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) under the Dodd-Frank Act, by misleading me into opening an account and depositing funds only to later reject my legal ID and block access to my money. 
XXXX XXXX and XXXX Funds Availability Act ( EFAA ), by accepting my deposit but refusing to return my money. 
Know Your Customer ( KYC ) regulations, which require banks to verify identity but do not allow them to arbitrarily reject valid government-issued documents that meet federal standards. 
Discriminatory Practices by imposing an illegal requirement ( a XXXX passport ) that is impossible for a legal XXXX resident to meet. 

XXXX. XXXX Requested : I am requesting immediate intervention from the CFPB to : XXXX. XXXX Chime to return my funds immediately since they unlawfully closed my account. 
XXXX. Investigate potential discriminatory practices regarding their treatment of legal XXXX residents. 

Conclusion : Chimes conduct is unlawful, deceptive, and discriminatory. By allowing me to open an account and deposit money, then refusing to accept my legal ID and closing my account, they have engaged in wrongful withholding of funds. 

I request urgent assistance in resolving this matter and ensuring my money is returned promptly. Please confirm receipt of this complaint and advise me on the next steps. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: WA

Complaint narrative:
First, I had sent a debt validation request that specifically asked for the " assignment contract '' and they refused to provide this, and they documented their refusal in a letter they sent me. 

Second, I requested a financial hardship discharge on XX/XX/year>, pursuant to XXXX  form XXXX and XXXX. They completely ignored this request, and I have proof of service. 

Third, they are reporting to the credit bureaus while the debt is being disputed, and after I requested the financial hardship discharge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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: FL

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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: FL

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this letter to dispute inaccurate and unverifiable information on my credit report. I have previously disputed these errors, yet they remain unresolved. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure the maximum possible accuracy of consumer credit reports, yet your failure to correct these inaccuracies is a direct violation of my rights. 

Disputed Items : XXXX XXXX  ( Account Number : XXXX ) Incorrectly reported as past due with a balance of {$2800.00}, despite prior disputes. 
XXXX XXXX, XXXX. ( Account XXXX : XXXX ) Continues to be inaccurately listed as a charge-off, even though this dispute was previously " investigated. '' These reporting errors mirror the violations cited in the CFPBs lawsuit against Experian, which alleges that Experian has failed to properly investigate consumer disputes and continued to report incorrect information. Your non-compliance with FCRA regulations and failure to correct disputed information has harmed my credit profile, and I will not allow these violations to persist.

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 2025-02-21 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: FL

Complaint narrative:
I am filing a formal dispute regarding the negligent noncompliance of Equifax XXXX XXXX XXXX XXXX in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681o ). The entity in question has failed to fulfill its legal obligations under the FCRA, resulting in harm to my credit profile and financial standing. The Equifax XXXX XXXX XXXX XXXX has reported inaccurate, incomplete, or unverifiable information on my credit file. 
Despite my prior disputes, the Equifax XXXX XXXX XXXX XXXX has failed to properly investigate, correct, or remove the erroneous information. 
This negligent failure to comply with the FCRA has caused financial damages, including emotional stress, denied credit, denied homes, and higher interest rates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Possible Financial Inc
State: CA

Complaint narrative:
I opened multiple installment loans with Possible and was never 30 days late based on each due date for the installment loan ; however, Possible marked a total of XXXX loans 30 days late. 

Loan # XXXX opened on XX/XX/XXXX XXXX marked as 30 days late, but the loan was not past due 30 days from installment due date or Possible automatically rescheduled the payment date without penalty. 

Loan # XXXX opened on XX/XX/XXXX Transaction number : XXXX XXXX and XXXX marked as 30 days late, but the loan was not past due 30 days from installment due date or Possible automatically rescheduled the payment date without penalty. 

Loan # XXXX open on XX/XX/XXXX Transaction number : XXXX XXXX and XXXX marked as 30 days late, but the loan was not past due 30 days from installment due date or Possible automatically rescheduled the payment date without penalty.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
Ive tried disputing some old accounts that has been paid off. Apparently the dispute is still being reviewed. I am trying to get it off of my credit report. Ive tried disputing on XX/XX/year>.

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 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
Ive tried disputing some old accounts that has been paid off. Apparently the dispute is still being reviewed. I am trying to get it off of my credit report. Ive tried disputing on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I got a call from a chase customer service number saying that I had fraudulent activity on my account and that a person named XXXX XXXX was being sent money from XXXX. They told me they would transfer me to XXXX customer service. The man named XXXX had me to go onto my account, and that I needed to secure my XXXX on my end by sending money that would go back to my account right after. I sent {$970.00} and he had me then send a confirmation to a different number. The money never came back. I filed a claim with chase but they couldnt recover the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: CT

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-02-21 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: CA

Complaint narrative:
I recently received a copy of my credit report and noticed I had fraudulent accounts on my credit report. Please remove these accounts from my report. They are hurting my ability to obtain credit.

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 2025-02-21 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 recently received a copy of my credit report and noticed I had fraudulent accounts on my credit report. Please remove these accounts from my report. They are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
My trunk that I financed though bridgecrest has a repair check that I had to send to them before iam still financing the car now iam trying to get them to send the check to the shop that fix my car i call very day with different answers

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
I am getting repeated phone calls from XXXX XXXX from Aldous & Associates ( XXXX ) with no information as to why- just that I need to contact them. A little searching has revealed that this is either likely a scam operation or at best a predatory collections company - and the issue may be in regards an old gym membership that is no longer active.

My credit score took a XXXX XXXX XXXX in the last couple of months and I couldn't think of why ; it now seems that it may be due to actions made by A & A. 

To my knowledge I have no outstanding debt with my old gym or any other business that might've sold the debt to A & A, I'd like to file a complaint against them for repeated harassment and attempted debt extortion.

Company response to consumer: Closed with explanation