vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
After thoroughly reviewing my Equifax credit report, I discovered multiple late payment notations that are entirely inaccurate and unsupported by factual documentation. The accounts in question are XXXX XXXX XXXX. - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( Paid - Past Due : {$0.00} ), XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX ( Paid - Past Due : {$0.00} - Balance : {$0.00} ), and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( Paid - Past Due : {$0.00} - Balance : {$0.00} ). 

All of these accounts were fully paid, have XXXX balances, and show no past due amounts. Despite this, Equifax continues to display these accounts as though there were previous delinquencies an inaccurate and harmful portrayal that directly violates my right to fair and accurate reporting under the Fair Credit Reporting Act. Equifax has a clear legal obligation under 15 U.S.C. 1681i to reinvestigate disputed information, verify its accuracy through original records, and correct or delete any unverifiable or misleading data. Simply relying on automated responses from furnishers or generic confirmations is not compliance with the law.

These errors have caused unnecessary harm to my credit reputation and financial stability. I have faced emotional stress and embarrassment when applying for credit or refinancing, only to be judged by false information that should have been corrected long ago. I have worked hard to maintain my financial responsibilities, yet Im being penalized for inaccurate reporting that undermines my integrity. Its infuriating and exhausting to keep cleaning up mistakes that arent mine.

Equifaxs failure to ensure accuracy has real human consequences lost opportunities, higher costs of living, and repeated humiliation when lenders review these false remarks. I expect more than a generic verified as accurate response. I am demanding documented evidence of any actual delinquency. If Equifax and the furnishers can not produce payment records or statements proving that these payments were ever late, then Equifax is legally required to correct or remove these entries immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: IN

Complaint narrative:
I am riding 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 XXXX numerous times and reporting discrepancies, my financial institution and shine failed to investigate my claims adequate. They informed me that recovering lost funds was impossible that the tracking and these transactions was unfeasible. The CFPBs findings indicate chime has not only neglected to protect consumers but has also allowed repeat offenders to explore the system leaving vulnerable to scams. The lack of accountability and transparency is unacceptable and rise serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: AZ

Complaint narrative:
I recently discovered a medical collection account on my credit report from a collection agency representing XXXX XXXX XXXX. This was the first time I became aware of this alleged debt. I was never notified in writing, by phone, or by email about any outstanding balance from XXXX. 

Before my scheduled XXXX in XX/XX/year>, XXXX required me to pay in full and in advance for all hospital and surgical services. I was specifically told that the payment covered the surgery, hospital stay, doctors, anesthesia, newborn care, and all related services, as long as there were no complications. I paid in full with my debit card, and after delivery, XXXX even refunded part of my payment, stating that I had overpaid.

Since then, I never received any bills or notices from XXXX. I even visited the emergency room in XX/XX/year>, paid the required fees, and was not informed of any outstanding balance. 

Last week, I received a credit alert about a new collection account. When I contacted the collection agency, they confirmed it was from XXXX XXXX  XXXX but could not explain the nature of the charges. When I called XXXX today, they said the debt was related to my XXXX  but that they had the wrong contact information on file. This is incorrect, as my email is correctly listed in my XXXX  patient portal, where all my balances appear as {$0.00}. 

I have now requested an itemized statement from XXXX to understand the alleged charges. However, I find it unfair and damaging that this account was sent to collections without any prior notice, explanation, or opportunity to pay or dispute the charges. I was never informed of my rights to dispute the debt or request validation, as required under the Fair Debt Collection Practices Act ( FDCPA ). 

I am requesting that this account be investigated, corrected, and removed from my credit report, as I was never notified or billed for this debt before it was reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-10-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
XXXX XXXX and myself have called and tried to resolve this issue by offering a payment arrangement and was rejected several times over the past few months. We spoke to 3 different people today who stated all different things. The first representative stated to make a payment today and for the next few weeks to pay a full payment every 15 days, the supervisor stated to make a payment today and pay another payment in 10 days, and XXXX from the executive presidents office stated two full payments were needed and one would not be suffice and another two full payments would need to be made next week. They all stated that even if a payment was made the vehicle would still be up for repossession. We were also told no record was found of XXXX calling on Monday, XX/XX/XXXX at XXXX speaking to someone named either XXXX or XXXX telling him to pay a payment and then next month making the payment and something extra to get caught up on the past due. This has been an ongoing issue with no resolve. We have tried for several months but have gotten no resolve or guarantee that making at least one payment and continuing to pay future payments with additional monies will be suffice from vehicle repossession. I have asked several times to be provided a copy of the contract and it has not been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: AZ

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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: AZ

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-10 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX  Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report.

This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt 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 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 2025-10-09 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: FL

Complaint narrative:
I am filing this complaint against multiple furnishers and credit reporting agencies for reporting inaccurate, incomplete, and unverifiable information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 and the Fair Debt Collection Practices Act ( FDCPA ) where applicable.

The following items are erroneous and must be investigated, corrected, or deleted immediately : Wrong Addresses Reported : XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX These addresses are inaccurate, do not belong to me, and should be permanently removed from my credit file.

Inaccurate Account Information : XXXX XXXX XXXXXXXX XXXX XXXX | Date Opened : XX/XX/XXXX | Balance : {$44.00} | Late Payment * * This account is reported with late payments that are inaccurate and unverifiable. I demand proper validation or immediate removal. 

XXXX XXXX # XXXXXXXX XXXX XXXX  | Date Opened : XX/XX/XXXX | Balance : {$690.00} | Late Payment * * This account is also reporting late payments inaccurately. The furnishers have failed to provide proof that these entries are valid.

Unverified Inquiry : XXXX XXXX XXXX XX/XX/XXXX This inquiry was made without my knowledge or authorization. It is an unauthorized inquiry and must be deleted immediately. 

These inaccuracies are causing direct harm to my creditworthiness, creating financial and reputational damage. Under the FCRA, credit reporting agencies and furnishers are required to maintain maximum possible accuracy and to investigate disputed information within 30 days. Failure to do so constitutes a violation of federal law.

I request that CFPB enforce compliance and hold the reporting entities accountable. Specifically, I demand that : All wrong addresses be permanently deleted.

All unverifiable and inaccurate late payments be removed.

The unauthorized inquiry by XXXX XXXX XXXX be deleted.

Written confirmation be provided once these corrections are made.

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 2025-10-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally submit a complaint regarding multiple inaccuracies on my credit report that have caused me financial harm and distress. Despite my efforts to resolve these issues directly with the creditors, the errors persist. I request immediate investigation and correction of the following : XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$690.00} Reported as a Late Payment, which is incorrect. I have consistently made timely payments and have supporting documentation. 

XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$0.00} Reported as a Late Payment, which is false. This is negatively impacting my credit score unjustly. 

XXXX XXXX # XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$130.00} Reported as Charge Off, which is inaccurate. I have no outstanding balance in default. 

XXXX XX/XX/XXXX Inquiry I did not authorize this inquiry, which violates the Fair Credit Reporting Act ( FCRA ). 

XXXX XX/XX/XXXX Inquiry This inquiry was also made without my consent and must be removed immediately.

These inaccuracies have directly affected my ability to access credit fairly and are causing me financial and emotional distress. Under the FCRA, I have the right to dispute any information that is incomplete or inaccurate. I demand that the above errors be investigated, corrected, or removed from my credit report promptly.

Enclosed are copies of supporting documents proving the inaccuracies and my payment history. I expect a written confirmation of receipt of this
complaint and a full resolution within the legally mandated timeframe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have noticed collection accounts on my credit report that I believe may include inaccurate details. Under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a report that is both accurate and verifiable. I am requesting that these accounts be investigated, and if their accuracy can not be confirmed, they must be removed.

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 2025-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: WV

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat 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 2025-10-09 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: NY

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

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