vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

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

I submitted formal disputes to Experian regarding inaccurate reporting of my XXXX XXXX XXXX account. The payment history was reported as 96 % on-time, including an unverified XXXX  days past due entry. This is a clear inaccuracy as I have documentation confirming all payments were made on time. 

Under the FCRA ( 15 U.S.C. 1681i ), credit bureaus must maintain accuracy and reinvestigate disputed information within XXXX days. Both bureaus reporting of false delinquencies has misrepresented my payment performance and caused unnecessary damage to my credit profile. 

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 2025-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit reporting agency was legally obligated to reinvestigate and delete or correct any information found to be inaccurate, incomplete, or unverifiable within 30 days.

Despite these clear statutory obligations, the companies : Verified accounts that have no verifiable documentation, Failed to provide evidence of validation from the original creditor, and Reinserted or re-reported data without proper certification as required by 1681i ( a ) ( 5 ) ( B ).

These acts constitute willful noncompliance under 1681n and negligent noncompliance under 1681o, triggering liability for statutory, actual, and punitive damages.

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 2025-10-30 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:
I am writing to formally dispute the inaccurate and potentially outdated information being reported on my credit file. After carefully reviewing my credit report, I found several accounts reflecting late payments and reporting errors that are not accurate. 

TRANSUNION : Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Reported Balance : {$200000.00} Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Reported Balance : {$10000.00} Account Name : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Reported Balance : {$15000.00} Account Name : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Reported Balance : {$19000.00} EXPERIAN : Account Name : PHL Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Reported Balance : {$200000.00} Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Reported Balance : {$10000.00} Account Name : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Reported Balance : {$15000.00} Account Name : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Reported Balance : {$19000.00} After reviewing my report, I found the following accounts reporting incorrect or unverifiable information. These entries must be verified with proper documentation from the original creditor. If the accuracy of any data can not be confirmed, please update and correct the account from my credit report immediately.

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 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
b'I am writing to request unauthorized credit inquiries on my EQUIFAX Credit Report. My \nlatest credit report shows XXXX  credit inquiries that I did not authorize.  \nI am writing to dispute the following inquiries and asking for their removal from my credit \nreport.  \nINQUIRIES: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: LA

Complaint narrative:
Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Incorrect Name : - XXXX XXXX XXXX Employer - XXXX XXXX  Incorrect XXXX : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX Employer - XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXXXXXX, XXXX, LA XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX - XXXX XXXX  - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX Listed below are the Public Records that are being challenged Federal - XXXX Listed below are the Inquiries that are being challenged 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 non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
I am writing to formally express my concerns regarding Chimes handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issue with the platform. Despite using Chime numerous times and reporting discrepancies, my financial institution and Chime failed to investigate my claim adequately. They informed me that recovering lost funds was impossible and that tracking these transactions were unfeasible. The CFPB 'S findings indicate that Chime has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: GA

Complaint narrative:
This is now my third and final notice regarding inaccurate late payment entries that remain on my credit file. Despite my previous disputes and your legal obligation to maintain accurate reporting, you have failed to delete or correct the entries in question. This ongoing failure constitutes a blatant violation of the Fair Credit Reporting Act ( FCRA ) and federal billing laws. 
This account was always paid as agreed. The reporting of a late payment is inaccurate and must be corrected. This constitutes a billing error under 15 U.S.C. 1666B. 
No notice of any due date or missed payment was received, violating fair notice requirements under the law. 
Accounts in Dispute : XXXX. XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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:
I am writing to formally dispute the inaccurate and potentially outdated information being reported on my credit file. After carefully reviewing my credit report, I found several accounts reflecting late payments and reporting errors that are not accurate. 

TRANSUNION : Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Reported Balance : {$200000.00} Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Reported Balance : {$10000.00} Account Name : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Reported Balance : {$15000.00} Account Name : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Reported Balance : {$19000.00} EXPERIAN : Account Name : PHL Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Reported Balance : {$200000.00} Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Reported Balance : {$10000.00} Account Name : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Reported Balance : {$15000.00} Account Name : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Reported Balance : {$19000.00} After reviewing my report, I found the following accounts reporting incorrect or unverifiable information. These entries must be verified with proper documentation from the original creditor. If the accuracy of any data can not be confirmed, please update and correct the account from my credit report immediately.

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 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am filing this complaint against JPMCB CARD for continued inaccurate reporting on my credit file. The account was closed and charged off on XX/XX/XXXX, yet XXXX and other credit bureaus continue to report a balance of {$1500.00} as of XX/XX/XXXX. This is false and misleading because the account is beyond the 7-year reporting limit under the Fair Credit Reporting Act ( FCRA ). 

The creditor and bureaus are in violation of : FCRA 607 ( b ) Failure to assure maximum possible accuracy FCRA 623 ( a ) ( 1 ) ( A ) Furnishing information known to be inaccurate FCRA 605 ( a ) ( 4 ) Reporting outdated adverse information beyond 7 years I request the CFPBs assistance to require JPMCB and the credit bureaus to immediately delete this unverifiable and outdated account from my credit report and confirm compliance in writing. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: FL

Complaint narrative:
What happened? This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately.

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 2025-10-30 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: Sa-Vit Enterprises, Inc.
State: NJ

Complaint narrative:
This is my final notice. Ive already contacted you regarding the fraudulent accounts and unauthorized inquiries being reported under my name and youve failed to act. Let me make this absolutely clear : I am the consumer, and I am personally submitting this letter. No third party is involved. Do not send me another form letter, template reply, or delay tactic. That would only confirm your disregard for the law and my rights. 
You are now knowingly reporting fraudulent data after being provided with official documentation of identity theft. Thats not just careless its legally reckless. Your continued inaction is not only unacceptable it is now bordering on willful noncompliance and will be treated as such. 
You Are in Direct Violation of Federal Law : 15 U.S.C. 1681b ( c ) You have no legal basis to share or retain inquiries on my credit file that I never authorized.

15 U.S.C. 1681c2 You are required to block identity theftrelated information within 4 business days of receiving all required documentation which you now have.

18 U.S.C. 1028A By continuing to report fraudulent activity, you are effectively aiding in aggravated identity theft. This is a criminal offense.

15 U.S.C. 1681i ( a ) You are legally obligated to conduct a proper reinvestigation. If the data can not be verified with documented proof of my authorization, it must be deleted immediately. 
Fraudulent Accounts and Inquiries ( Already Disputed and Documented ) : 1. SAVIT COLLECTION AGEN Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: AR

Complaint narrative:
I previously submitted a dispute under the Fair Credit Reporting Act ( FCRA 609, 611, and 623 ) regarding the inaccurate reporting of a late payment associated with the account XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$0.00} ). This account is being reported with a late payment that I believe to be incorrect, as I have no record or documentation supporting that a payment was missed or reported delinquent. Despite my previous dispute, this inaccurate information continues to appear on my credit report, and I have not received verification, supporting documentation, or a proper explanation from XXXX. This failure to provide verification and maintain accurate reporting violates the FCRAs requirements that all information furnished to and reported by credit bureaus be complete, accurate, and verifiable.

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 2025-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have tendered payments in which was not accepted and from tendering payments should have been discharged for the amount of the tendered payments and credited to my account. Company have ignored all correspondence and decided to close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: NY

Complaint narrative:
I am submitting to dispute several items listed on my credit report that I believe are inaccurately reported and should be removed or corrected immediately. These errors violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically : FCRA 605 ( a ) ( 15 U.S.C 1681c ) Obsolete Information. FCRA 623 ( a ) ( 5 ) Obligation to Report Accurate Date of First Delinquency ( DOFD ) FCRA 604 ( a ) ( 3 ) Permissible Purpose. I have always taken great pride in maintaining an accurate and up-to-date financial record, so discovering these inaccuracies has caused me unnecessary stress and confusion. Below are the specific details and my reasoning for each disputed items. 
XXXX XXXX XXXX XXXX XXXX, NY, XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXXXXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> 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 2025-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
EXPERIAN allowed a debt collection company XXXX XXXX XXXX to put inaccurate information on my credit report. XXXX alleged that I opened an account on XX/XX/year> between myself and them. I never opened an account with XXXX on XX/XX/year>. This is a violation of FCRA 15 USC 1681 ( b ). This account needs to be deleted from my credit report.

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 2025-10-30 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 submitting this complaint to dispute and request correction of certain Late Open accounts on my credit report. Upon reviewing my file, I noticed that my XXXX XXXX XXXX account, ending in XXXX, shows a balance of {$310.00} with 30 days late in XX/XX/year> and 60 days late in XX/XX/year>, which appears to be inaccurately or prematurely reported based on my payment record and account activity. 
The XXXX XXXX account in question was never abandoned or neglected. There were circumstances surrounding the payment schedule and communication with the creditor that may not have been properly reflected in the reporting. It is possible that the account status was updated in error or that essential documentation supporting the alleged repossession has not been verified. Therefore, I am requesting a review and validation of this account to ensure that the reporting accurately reflects the true nature of the transaction and payment history.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to challenge any information that is inaccurate, incomplete, or unverifiable. FCRA 607 ( a ) requires credit reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy, and FCRA 611 ( a ) mandates that any disputed information must be investigated thoroughly, with corrections made as needed to ensure the credit report is accurate.

Additionally, FCRA 623 ( a ) ( 1 ) and ( b ) further obligates furnishers to investigate disputes and provide complete and accurate information to the credit bureaus, while FCRA 602 ( a ) emphasizes that accurate reporting is essential for consumers financial well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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:
I am submitting this complaint to dispute and request correction of certain Late Open accounts on my credit report. Upon reviewing my file, I noticed that my XXXX XXXX XXXX account, ending in XXXX, shows a balance of {$310.00} with 30 days late in XX/XX/year> and 60 days late in XX/XX/year>, which appears to be inaccurately or prematurely reported based on my payment record and account activity. 
The XXXX XXXX account in question was never abandoned or neglected. There were circumstances surrounding the payment schedule and communication with the creditor that may not have been properly reflected in the reporting. It is possible that the account status was updated in error or that essential documentation supporting the alleged repossession has not been verified. Therefore, I am requesting a review and validation of this account to ensure that the reporting accurately reflects the true nature of the transaction and payment history.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to challenge any information that is inaccurate, incomplete, or unverifiable. FCRA 607 ( a ) requires credit reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy, and FCRA 611 ( a ) mandates that any disputed information must be investigated thoroughly, with corrections made as needed to ensure the credit report is accurate.

Additionally, FCRA 623 ( a ) ( 1 ) and ( b ) further obligates furnishers to investigate disputes and provide complete and accurate information to the credit bureaus, while FCRA 602 ( a ) emphasizes that accurate reporting is essential for consumers financial well-being.

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 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
Kia Financial Services ( account XXXX ) owing {$10000.00}, is not correct. This account was included in XXXX XXXX bankruptcy ( XXXX ) and was discharged on XX/XX/year>. This account was disputed 3 times and has come back verified. On my credit report, this Kia Financial account doesn't show " included in bankruptcy, nor does the account show a {$0.00} amount balance. This account was not reaffirmed. Therefore, this Kia Financial account needs to be removed immediately. This account is not reporting correctly. Thie reporting on this account is in violation of the FCRA 15 U.S.C 1691, 15 U.S.C 1692g, 15 U.S.C 1692g ( b )

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