vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 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: NY

Complaint narrative:
Dear [ Bureau Name ], I am writing to dispute multiple accounts currently reporting on my credit file which are inaccurate, contain factual discrepancies, and are not in compliance with the Fair Credit Reporting Act ( FCRA ). I am formally demanding a reinvestigation as required under FCRA 1681i, and the deletion of all information that can not be fully verified with original source documentation. 

ACCOUNTS IN DISPUTE : XXXX. XXXX XXXX XXXX XXXX Account # : XXXX * * * * * Issue : Account is marked as both closed and open across reports, and reports XXXX separate XXXX late paymentsfar exceeding the normal monthly cycle. This is a factual impossibility and indicates inaccurate data being reported. Additionally, dispute resolved - consumer disagrees is noted without proof of resolution. 
FCRA Violations : 1681e ( b ) ( accuracy ), 1681i ( failure to verify ), 1681s-2 ( b ) ( continuing to report after dispute ) Action : Delete this account for inaccurate late reporting and unresolved dispute. 

XXXX. XXXX XXXX, XXXX Account # : XXXX * * * * * * * * * Issue : Closed account with a {$0.00} balance is showing late payments up to XXXX days. 
There is no documentation of these payments, and this negatively affects the credit profile without merit. 
FCRA Violations : 1681e ( b ), 1681i Action : Remove all late payment history and correct status, or delete account entirely. 

XXXX. XXXXXXXX XXXX Account # : XXXX * * * * * * * * * * * Issue : Account is marked both open and closed with extremely inconsistent late payment history. One report states XXXX late payments ; another says XXXX. This discrepancy violates the maximum possible accuracy requirement under FCRA. 
FCRA Violations : 1681e ( b ), 1681i, 1681s-2 Action : Remove this account entirely if full accuracy and original records can not be verified. 

XXXX. XXXX XXXXXXXX XXXX XXXX Account # : XXXX * * * * * * * * * * * * * * * * Issue : Late payments are being reported on an account that was closed with a {$0.00} balance and no active status. No validation of the dispute resolution has been provided. 
FCRA Violations : 1681e ( b ), 1681i Action : Remove or correct this tradeline to reflect paid-as-agreed without lates unless proven otherwise. 

Final Notice Under FCRA 1681i, you are required to reinvestigate any disputed information and remove any data that is inaccurate or can not be verified with original documentation. 
Failure to comply within XXXX days will result in formal complaints to the CFPB, FTC, and may escalate to legal counsel under FCRA 1681n and 1681o for negligent or willful noncompliance. 
Please forward the results of your investigation and an updated copy of my credit report reflecting the removal or correction of these items.

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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Dear [ Bureau Name ], I am writing to dispute multiple accounts currently reporting on my credit file which are inaccurate, contain factual discrepancies, and are not in compliance with the Fair Credit Reporting Act ( FCRA ). I am formally demanding a reinvestigation as required under FCRA 1681i, and the deletion of all information that can not be fully verified with original source documentation. 

ACCOUNTS IN DISPUTE : XXXX. XXXX XXXX XXXX XXXX Account # : XXXX * * * * * Issue : Account is marked as both closed and open across reports, and reports XXXX separate XXXX late paymentsfar exceeding the normal monthly cycle. This is a factual impossibility and indicates inaccurate data being reported. Additionally, dispute resolved - consumer disagrees is noted without proof of resolution. 
FCRA Violations : 1681e ( b ) ( accuracy ), 1681i ( failure to verify ), 1681s-2 ( b ) ( continuing to report after dispute ) Action : Delete this account for inaccurate late reporting and unresolved dispute. 

XXXX. XXXX XXXX, XXXX Account # : XXXX * * * * * * * * * Issue : Closed account with a {$0.00} balance is showing late payments up to XXXX days. 
There is no documentation of these payments, and this negatively affects the credit profile without merit. 
FCRA Violations : 1681e ( b ), 1681i Action : Remove all late payment history and correct status, or delete account entirely. 

XXXX. XXXXXXXX XXXX Account # : XXXX * * * * * * * * * * * Issue : Account is marked both open and closed with extremely inconsistent late payment history. One report states XXXX late payments ; another says XXXX. This discrepancy violates the maximum possible accuracy requirement under FCRA. 
FCRA Violations : 1681e ( b ), 1681i, 1681s-2 Action : Remove this account entirely if full accuracy and original records can not be verified. 

XXXX. XXXX XXXXXXXX XXXX XXXX Account # : XXXX * * * * * * * * * * * * * * * * Issue : Late payments are being reported on an account that was closed with a {$0.00} balance and no active status. No validation of the dispute resolution has been provided. 
FCRA Violations : 1681e ( b ), 1681i Action : Remove or correct this tradeline to reflect paid-as-agreed without lates unless proven otherwise. 

Final Notice Under FCRA 1681i, you are required to reinvestigate any disputed information and remove any data that is inaccurate or can not be verified with original documentation. 
Failure to comply within XXXX days will result in formal complaints to the CFPB, FTC, and may escalate to legal counsel under FCRA 1681n and 1681o for negligent or willful noncompliance. 
Please forward the results of your investigation and an updated copy of my credit report reflecting the removal or correction of these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom It May Concern, This letter is a formal notice to dispute inaccurate and unverifiable information currently reported on my credit file with your bureau, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i & 1681s-2 ( b ). 
The following collection account ( XXXX ) are reporting incorrect information and are in direct violation of the FCRA : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You are legally obligated to complete a thorough investigation within 30 days of receiving this notice and to remove or delete any unverifiable or inaccurate information. If you can not prove the accuracy of this account with original signed documentation, I demand the immediate deletion of the account from my file, as required by FCRA 611 ( a ) ( 5 ) ( A ). 
I request that the results of this dispute be sent to me in writing. This is my first formal dispute, and I expect full compliance with federal law. 
Please mail the updated credit report reflecting the changes. 
Sincerely, 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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Fig Tech Inc.
State: AZ

Complaint narrative:
I am a victim of identity theft. Unauthorized accounts were opened in my name without my knowledge or consent with the following companies : Fig Tech Inc., XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These fraudulent accounts are now being reported on my TransUnion credit report and are negatively impacting my credit. 

On or around XX/XX/year>, I noticed unfamiliar accounts on my credit report. I did not apply for or authorize any accounts with these companies. Some of these accounts XXXX show balances owed, late payments, or inquiriesall of which are false and the result of criminal identity misuse. 

In response, I took the following actions : On XX/XX/year>, I filed an identity theft report with Identitytheft.org I notified TransUnion of the fraudulent activity and formally requested a block under 15 U.S.C. 1681c-2 on 04/29/25.

I submitted supporting documentation, including a copy of my government ID, proof of address, and the identity theft report.

I placed a fraud alert on my credit file and am considering a credit freeze for added protection.

Despite these steps, the accounts continue to be reported. I am requesting that these fraudulent accounts be immediately blocked and permanently removed from my credit file, and that all furnishers be notified not to report this information again.

I am suffering harm to my credit score and financial reputation due to information that is demonstrably false and the result of identity theft. I am requesting a full resolution under the Fair Credit Reporting Act, and your assistance in ensuring the companies involved address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: Chime Financial Inc
State: IN

Complaint narrative:
My chime dispute numbers are XXXX & XXXX. I was charged multiple times from a merchant named XXXX XXXX XXXX Upon calling them they agreed I do not have an account with them and that my card was used on someone else 's account. I filed a dispute with Chime since that's the card of mine that was stolen and used. They denied my disputes but haven't provided any information as to why and now I must wait 2 weeks for them to do so. I didn't make the charges, the company has told me I do not have an account with them, so I do not understand how on earth my disputes can be denied. I have removed the rest of my money from chime and am about to change where my direct deposits are sent because they're supporting funds being stolen from my account when they're supposed to protect them and their customers. S

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Im reaching out to make it absolutely clear that I need full transparency and certainty regarding the ownership of my account data. Please certifywithout exceptionthat every piece of data linked to this account belongs solely to me. This includes, but isnt limited to, any personal information, activity logs, communications, files, or any form of stored or associated content. This is important to me, and I need a direct, unequivocal confirmation.

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 2025-04-29 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I was a victim of identity theft that didnt escalate until on or about XX/XX/XXXX to XX/XX/XXXX where someone has access to my old number and has been calling around all my banks and impersonating me. They had access to my XXXX and old number and lifted my XXXX credit report and I regained access. They were able to impersonate me and called XXXX to open an account and had cards shipped to an unknown address. XXXXXXXX XXXX also called me to prevent fraud on my account after I made fraud alerts with my credit report and asked I tried to ship a card to an address I do not associate with which was XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I reported to XXXX and also filed two police reports for this and put fraud alerts on all credit bureaus I made preventative actions by making sure all my credit reports, XXXX  XXXX accounts locked and called every single one of my bank about this issue. I called Ally Bank to put an extra verification on my account and to ask security question before authorizing any transfer and access to my account on XX/XX/XXXX on that same night I wanted to transfer money out due to paranoia of fraudsters getting access to my account after doing multiple verifications from XX/XX/XXXX to XX/XX/XXXX where on XX/XX/XXXX they would say they would have someone call me back to do extra verification on XX/XX/XXXX I received no call and had to call in and wanted to close out my account because I was locked out my account on the XXXX but was able to login on the XXXX and called in to close out did the same multiple verification and they did not allow me to verify others way and get a hold of the fraud department forcing me to do a manual transfer to my XXXX XXXX account so fraudsters do not have access to my account. I have not received a call and they still have {$1000.00} in my investment and potentially {$9000.00} in the savings account if the transfer does not go through to my XXXX account

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 2025-04-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
in XXXX someone fraudulently bought XXXX XXXX XXXX XXXX XXXX XXXX. I never signed up for that a/c. Debt XXXX have been writing for money. Contacted XXXX  who promised to remove it since XXXX when I was first aware of it, as I was NEVER sent a bill since it originally happened in XXXX. I was only adware when a debt collector wrote me. I reported to Credit bureaus, contacted the Debt collection agency who sent the collection bill. They stated that they were waiting on XXXX to confirm the debt was not mine and the would clear up my records. Its XXXX, and it has affected my XXXX XXXX to where I am turned down for credit card application due to me have an outstanding payment ( XXXX  bill ). Now XXXX  says I owe over {$5000.00}. I never even owned an XXXX XXXX account, I only buy my phones through XXXX, only use XXXX XXXX  for phone services, and XXXX  refuses to do anything about it and return my good standing with my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: CA

Complaint narrative:
Equifax refuses to properly correct an account with errors on my credit report about the deletion of the account of XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX 


I have disputed the same issue with XXXX  and they have deleted this account with XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX XXXX I have attached a document of results of investigation by XXXX  of the same account. 

Why haven't Equifax deleted this account, because they refuse to do the proper investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Zip Co US Inc.
State: CA

Complaint narrative:
On or around XXXX XXXX, after almost over a month of running into issues accessing the online stores on the Zip app, I was able to obtain access to the store with a staring purchase power of {$200.00}. I then attempted to make a purchase from one of the online stores affiliated with Zip ; however, upon checkout, I came across a page stating that my credit is frozen and therefore, I was barred from completing my online order ( please see attached ). I then contacted Zip Customer Service at XXXX and attached screenshots of the error message that I received when attempting to complete an order. I was then advised by the rep, XXXX XXXX, that the matter will be escalated and that I will be receiving a call by the end of the day which never happened. I contacted Zip Customer Service again on XX/XX/year> and rep XXXX XXXX advised me to unfreeze my report with XXXX which I was able to contact to confirm that there was no freeze on my report and that the information on my XXXX report matches the address and other info on my Zip profile as opposed to the inaccurate info relayed by the Zip rep.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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 recently reviewed my credit reports and noticed two credit reporting companies not reporting my mortgage payments accurately in violation of the FCRA ( Transunion and Experian ). I had five late payments that were paid on time ( please see my XXXX credit report and my bank statements ). The consumer reporting agencies need to report all information with complete accuracy. This account wasnt paid late in XXXX or XX/XX/year> ( see bank statements and XXXX credit report regarding XXXX XXXX payments XXXX. Im requesting that you investigate and provide verifiable proof with records showing I had late payments for each month ( XXXX and XX/XX/year> ). If this information can not be verified with records showing that I had late payments than I demand my credit reports with Experian and Transunion be updated immediately. Thank you for your understanding and prompt response

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 2025-04-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Ongoing Inaccurate Reporting and Inadequate Reinvestigation FCRA Violations I am filing this complaint against XXXX  for their failure to comply with the Fair Credit Reporting Act ( FCRA ) regarding disputed and inaccurate items on my credit report. Despite submitting a formal written dispute and supporting documentation, XXXX  reinvestigation was insufficient, and multiple accounts remain inaccurately reported or were verified without proper documentation or explanation. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Updated but still reports late payments FCRA Violations : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Failure to conduct a reasonable reinvestigation.

15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy.

15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide a Method of Verification upon request.

I submitted a request for the Method of Verification following the results and have yet to receive an adequate response. The continued reporting of these inaccurate items is causing significant harm to my creditworthiness and personal finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: Ava Finance, Inc
State: CA

Complaint narrative:
Ongoing Inaccurate Reporting and Inadequate Reinvestigation FCRA Violations I am filing this complaint against XXXX  for their failure to comply with the Fair Credit Reporting Act ( FCRA ) regarding disputed and inaccurate items on my credit report. Despite submitting a formal written dispute and supporting documentation, XXXX  reinvestigation was insufficient, and multiple accounts remain inaccurately reported or were verified without proper documentation or explanation. 

XXXX  Report Number : XXXX Date of Response : XX/XX/year> Disputed and Still-Inaccurate Accounts : XXXX. Ava Finance Inc Account # XXXX Remains XXXX. Ava Finance Inc Account # XXXX Remains XXXX. XXXX XXXX XXXX Account # XXXX Remains XXXX. XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Updated but still reports late payments FCRA Violations : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Failure to conduct a reasonable reinvestigation. 
15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy.

15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide a Method of Verification upon request.

I submitted a request for the Method of Verification following the results and have yet to receive an adequate response. The continued reporting of these inaccurate items is causing significant harm to my creditworthiness and personal finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: New Century Financial Services, Inc.
State: NY

Complaint narrative:
When I went to check my XXXX XXXX account yesterday morning to do a transfer online, I found out that my funds were put all on hold due to a court order from New Jersey sent to my bank. The judgement date is XX/XX/scrub>/2005 from a credit card debt over 20 years old.

I contacted the law office handling this case requesting all the information regarding this matter and they told me they would send it to me by mail. 

I haven't lived in New Jersey for over 20 years and moved to New York ever since then so any written communication sent to that old XXXX XXXX, NJ address was never delivered to me. Again we're talking about 20 years ago.

Company response to consumer: Closed with explanation