vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-08 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: MO

Complaint narrative:
For several months, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) has been furnishing inaccurate credit information to the credit bureaus for my XXXX XXXX account. Each time I contact them or file a dispute about a reporting error, they update my tradeline using my current balance instead of my closing statement balance. 

For example, my XX/XX/year> statement clearly shows a {$0.00} balance and {$0.00} minimum due, but on or about XX/XX/year>, XXXX XXXX reported a {$110.00} balance to Experian. This same issue has occurred repeatedly over multiple months, where they continue to report mid-cycle or current balances instead of accurate statement data. 

This pattern of incorrect furnishing has damaged my credit utilization ratios and overall score, despite my account being in good standing and fully paid by the statement closing date each month. 

I have provided XXXX XXXX support with screenshots and documentation proving my statements were paid in full. Their representatives admit that XXXX XXXX XXXX XXXX reporting, yet no correction has been made. Instead, XXXX XXXX keeps re-transmitting incorrect data, disregarding their obligations under 15 U.S.C. 1681e ( b ) and 1681s-2 ( b ) to maintain and correct accurate information. 

The company was notified and failed to correct the record, violating its FCRA obligations for accuracy and reinvestigation. I am requesting immediate correction and confirmation of bureau updates.

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 2025-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: OK

Complaint narrative:
Chime randomly closed my long term account. I have called and asked for help multiple times to receive the check they claim theyll send and they make excuse after excuse and never provide the check they claim theyll send to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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:
I never apply for a loan on that company Enclosed my driver license

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 2025-11-08 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 have made multiple attempts throughout XXXX and XXXX to dispute the inaccurate information appearing on my credit reports with TransUnion, Equifax, and Experian. I have provided all necessary identification documents, including my drivers license, Social Security card, and a utility bill, and mailed them via certified mail to ensure proper delivery. Despite my ongoing efforts and numerous follow-ups, the matter remains unresolved. I have also consistently filed disputes through my online accounts with each credit bureau and have sent several written requests asking for the removal of fraudulent and incorrect accounts from my credit reports. 

The following accounts are fraudulent and were not authorized by me : XXXX XXXX XXXX XXXX Account ending in XXXX XXXXXXXX Balance : {$3900.00} Reported as Charge-Off XXXX XXXX XXXX XXXXXXXX XXXX Account ending in XXXX XXXXXXXX Balance : {$1800.00} Reported as Charge-Off I have already filed both an FTC Identity Theft Report and a Police Report, which verify that these accounts were created and used without my authorization. Copies of these reports, along with my prior dispute correspondence and identification documents, are enclosed again for your reference. 

Under FCRA 605B and California Civil Code 1785.16.1, you are legally required to block and remove all fraudulent information from my credit file within four ( 4 ) business days after receiving a valid identity theft report. Continuing to report these accounts after being notified constitutes a violation of federal law and exposes your organization to statutory damages, actual damages, and attorneys fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CreditNinja Lending, LLC
State: TX

Complaint narrative:
Product / Service : Payday loan / XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX / CreditNinja Lending , LLC Type of Problem : Debt collection / False statements or representation Complaint Summary : I am disputing a loan account allegedly under my name, Loan ID XXXX, issued by XXXX XXXX XXXX XXXX and serviced through CreditNinja Lending , LLC. I did not sign this loan agreement ; the signature on the contract is not mine. Therefore, I did not authorize this loan and am not liable for any amounts claimed. 
Additionally, the loan and the way it is structured raise multiple concerns : 1. Predatory APR and deceptive fees : The loan discloses a 459.61 % APR and includes a {$1400.00} Credit Access Business ( CAB ) fee on a {$1000.00} principal. The CAB fee is treated inconsistently it is labeled not interest under Texas law yet counted in the finance charge under federal law which is misleading and potentially deceptive. 
2. Dual entity confusion : The loan is technically from XXXX XXXX XXXX XXXXXXXX, but all servicing, payments, and fees are through CreditNinja. This structure can mislead consumers about the lender and is potentially used to evade state interest rate limits. 
3. Unauthorized XXXX XXXX XXXX  ( XXXX  ) authorization : The loan grants them permission to initiate electronic withdrawals from my bank account. Since I never signed the contract, any XXXX withdrawals would be unauthorized and violate the Electronic Fund Transfer Act ( EFTA ).

4. Improper furnishing to credit bureaus : The account may be reported under CreditNinja rather than the actual lender, XXXX XXXX XXXX  XXXX XXXX. Since I did not enter into this loan, any reporting is inaccurate and violates the Fair Credit Reporting Act ( FCRA ).

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 2025-11-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or misleading advertising or marketing — 
Company: Chime Financial Inc
State: OH

Complaint narrative:
So Im a section in the CHIME APP. theres a section named LIMITS. Which breaks down the limits of how much a I an do perrrrrrrr section per day. There is a section called CREDIT CASH ADVANCE. Which states how much a can booow ad withdraw daily but the feature or option isnt gated to add holdr

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: IN

Complaint narrative:
I am filing a formal complaint against [ Experian XXXX Equifax XXXX TransUnion ] for reporting inaccurate and/or unverifiable collection account information on my credit report. 

The following account ( XXXX ) are in dispute : XXXX Collections THE XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c & 1692g ), I am requesting a full investigation and verification of this account. 

The furnisher has failed to provide proof of ownership or validation of this debt, and continued reporting of unverified information is a direct violation of federal law. 

I am requesting that this collection account be deleted immediately from my credit report across all bureaus if the furnisher can not verify it with original documentation. 

Please confirm in writing within 30 days that the investigation has been completed and provide the outcome.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 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: IN

Complaint narrative:
I am filing a formal complaint against [ Experian XXXX Equifax XXXX TransUnion ] for reporting inaccurate and/or unverifiable collection account information on my credit report. 

The following account ( XXXX ) are in dispute : XXXX Collections THE XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c & 1692g ), I am requesting a full investigation and verification of this account. 

The furnisher has failed to provide proof of ownership or validation of this debt, and continued reporting of unverified information is a direct violation of federal law. 

I am requesting that this collection account be deleted immediately from my credit report across all bureaus if the furnisher can not verify it with original documentation. 

Please confirm in writing within 30 days that the investigation has been completed and provide the outcome.

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 2025-11-08 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: FL

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. upon further investigation, I realized that my personal information was exposed in several data breach, including TransUnion data breach. I have no recollection of applying for any of the accounts in questions, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts I did not authorize or sign a contract for must be removed off my credit report in 4 days!

These fraudulent account are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my 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 2025-11-08 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 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: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
XX/XX/year> TO WHOM IT MAY CONCERN, This notice is to inform you that you unlawfully reported an UNAUTHORIZED ACCOUNT on my CONSUMER report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information 15 U. S. Code 6802 ( b ) -Obligation With Respect To Disclosures Of Persona Information. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institution clearly and conspicuously discloses to the CONSUMER, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the CONSUMER is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and the CONSUMER is given an explanation of how the CONSUMER can exercise that nondisclosure option. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

I am writing this letter to DISPUTE the following ACCOUNT : This agency is in violation of the 15 USC 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 this debt. As my right to Privacy and Consent 15 U. S. Code 1681 ( a ) ( 4 ) There is a need to insure that CONSUMER reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the CONSUMERS right to privacy. Therefore, the following ACCOUNT must be DELETED from my CONSUMER credit report IMMEDIATLY...

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 2025-11-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hi, I am reaching out to file a formal complaint regarding unauthorized accounts that are being reported on my credit file.I previously contacted all three credit bureaus to dispute these accounts and provided the necessary information to verify my identity. However, I have not received any response or confirmation that a proper investigation or reinvestigation has been completed as required under the FCRA. 
From my understanding, this type of unauthorized information should have been removed within 4 days of verification of identity and evidence that the accounts do not belong to me. The fact that these accounts are still present on my credit file is unacceptable and has caused significant emotional distress, frustration, and harm to my credit reputation. 
I take great pride in maintaining my credit and have attached all supporting correspondence and documentation related to my prior disputes. I am requesting that the CFPB review this matter and ensure the immediate deletion of the unauthorized accounts and that the bureaus comply with the FCRAs timelines and procedures.

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 2025-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/XXXX sometime between XXXX XXXX  and XXXX XXXX  {$4.00} disappeared from my account actions taken by me. I went over my transaction history for the month. I made sure all transactions were mine. I called the company three times and once they seen that the money was missing and not hung up on me all three times I have screenshots of the calls and everything. every time I called and said that money just disappeared. They say no they asked me if the money was with all the transactions line I said yes we started to go over it. They said all money doesnt disappear. I told them to go over it again and every time they found that the money was missing they hang up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: IL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-08 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:
THE REPORTING AGENCY IS RETAINING, RESELLING, AND REDISTRIBUTING DATA THAT IS UNVERIFIED, INCOMPLETE, AND POTENTIALLY FALSE IN DIRECT VIOLATION OF 15 U.S.C. 1681E ( B ) AND 1681A ( D ) ( 2 ), AS WELL AS THE GRAMM-LEACH-BLILEY ACTS DATA ACCURACY AND CONFIDENTIALITY REQUIREMENTS. THIS CONDUCT SHOWS A DISREGARD FOR DATA INTEGRITY AND CONSUMER PRIVACY PROTECTIONS.

EVEN AFTER NOTICE OF DISPUTE, THE AGENCY CONTINUES TO REPORT THE SAME ERRONEOUS INFORMATION TO THIRD PARTIES AND AFFILIATES, KNOWING THAT IT LACKS DOCUMENTED PROOF OR VERIFIABLE SOURCE RECORDS. THIS CONSTITUTES A PATTERN OF WILLFUL NONCOMPLIANCE AND UNLAWFUL PROFITEERING FROM DEFECTIVE DATA. 

BY RESELLING OR REISSUING DATA THAT HAS BEEN DISPUTED AND NOT VERIFIED, THE AGENCY IS KNOWINGLY PARTICIPATING IN THE TRANSMISSION OF FALSE CONSUMER INFORMATION. THIS VIOLATES THE DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY AND UNDERMINES THE CONSUMERS RIGHTS TO FAIR AND TRUTHFUL CREDIT REPORTING. 

THIS IS NOT AN ISOLATED ERROR IT IS SYSTEMIC MISCONDUCT THAT DAMAGES CONSUMER CREDIT STANDING AND ENABLES OTHER ENTITIES TO CONTINUE RELYING ON INCORRECT INFORMATION THAT SHOULD HAVE BEEN PURGED IMMEDIATELY AFTER DISPUTE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 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: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: LoanCare, LLC
State: PA

Complaint narrative:
I am the buyer and I am working with the power of attorney of the seller to purchase the house of the seller. I contacted LoanCare ( the seller 's loan company ) to apply for a loan assumption to take over the loan of the seller. Loancare requested the power of attorney to be submitted and that I would hear back within a week, I submitted this on XX/XX/year>. One week passed and I did not hear anything. I called back with the seller/POA on the line and they stated that they did not receive anything, and then gave another two email addresses to send it to and then to wait another week to hear back. I did not hear back. I called again and they stated they did not receive anything. This went on week after week for several weeks. The last time they stated that they DID receive it and it would take a week to process and they would 100 % reach out with information about the next steps. It has been two additional weeks and I have not heard back yet.

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 2025-11-08 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: MD

Complaint narrative:
THE REPORTING AGENCY IS RETAINING, RESELLING, AND REDISTRIBUTING DATA THAT IS UNVERIFIED, INCOMPLETE, AND POTENTIALLY FALSE IN DIRECT VIOLATION OF 15 U.S.C. 1681E ( B ) AND 1681A ( D ) ( 2 ), AS WELL AS THE GRAMM-LEACH-BLILEY ACTS DATA ACCURACY AND CONFIDENTIALITY REQUIREMENTS. THIS CONDUCT SHOWS A DISREGARD FOR DATA INTEGRITY AND CONSUMER PRIVACY PROTECTIONS. 

EVEN AFTER NOTICE OF DISPUTE, THE AGENCY CONTINUES TO REPORT THE SAME ERRONEOUS INFORMATION TO THIRD PARTIES AND AFFILIATES, KNOWING THAT IT LACKS DOCUMENTED PROOF OR VERIFIABLE SOURCE RECORDS. THIS CONSTITUTES A PATTERN OF WILLFUL NONCOMPLIANCE AND UNLAWFUL PROFITEERING FROM DEFECTIVE DATA. 

BY RESELLING OR REISSUING DATA THAT HAS BEEN DISPUTED AND NOT VERIFIED, THE AGENCY IS KNOWINGLY PARTICIPATING IN THE TRANSMISSION OF FALSE CONSUMER INFORMATION. THIS VIOLATES THE DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY AND UNDERMINES THE CONSUMERS RIGHTS TO FAIR AND TRUTHFUL CREDIT REPORTING. 

THIS IS NOT AN ISOLATED ERROR IT IS SYSTEMIC MISCONDUCT THAT DAMAGES CONSUMER CREDIT STANDING AND ENABLES OTHER ENTITIES TO CONTINUE RELYING ON INCORRECT INFORMATION THAT SHOULD HAVE BEEN PURGED IMMEDIATELY AFTER DISPUTE.

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