vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-13 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: MN

Complaint narrative:
I was trying to apply for a business loan and pull up my credit report, thats when I noticed I had damages on my credit report. According to the [ 15 USC 1681 ] there should not be any damages on my report. It is a defamation to my character.

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 2025-10-13 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I am submitting to formally dispute inaccurate address information appearing on my Experian consumer file and to request that you correct and update my file in accordance with the Fair Credit Reporting Act ( FCRA ). The address currently reported that does not belong to me is : Correct address to be added/ updated : XXXX XXXX XXXX XXXX, XXXX XXXX A XXXX, WA XXXX Inaccurate address to be removed : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, WA XXXX This inaccurate address is causing confusion and is not my current or prior residence to my knowledge. Under the FCRA, I am entitled to dispute incomplete or inaccurate information and to have it investigated and corrected. Please investigate this matter, delete/remove the inaccurate address listed above from my file, and update all consumer report ( s ) and any derivatives to reflect my correct address shown above.

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 2025-10-13 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: FL

Complaint narrative:
This is my fourth dispute, and you are now bordering on willful noncompliance with federal law. Under FCRA 1681n, consumers may sue for willful noncompliance and seek statutory damages. You are also in violation of the Consumer Data Industry Association ( CDIA ) standards, and possibly breaching FTC guidelines on fair reporting. I demand immediate deletion of all unverifiable, inaccurate, or misrepresented data before I initiate formal regulatory complaints and legal proceedings.

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 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My name is not spelled correctly its spelled XXXX XXXX not XXXX XXXX My address is not correct I never resided at this address XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL 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 XXXXXXXX XXXX XXXX I never used this before my landlord added me onto this app but I never used this at all I use XXXX to pay my rent ( XXXX XXXXXXXX ) open XXXX, 2024 I have ask my landlord to remove from XXXX XXXX also

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned 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 2025-10-13 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: MS

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-10-13 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX CARD Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX. 
Account name : XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXXXX. wrote that the tradeline for account ending XXXX was deleted because they were unable to validate the requested information. On XX/XX/XXXX, XXXX XXXX sent a second letter claiming the account was authorized, that a card and statements were mailed to XXXX XXXX XXXX XXXX XXXX XXXX, and that the account was activated on XX/XX/XXXX from a phone number they say is registered to me. 

These XXXX letters directly conflict ( unable to validate vs. authorized ). XXXX XXXX has not provided a signed application/agreement, E-SIGN consent, device/IP data, or call logs/recordings for the alleged activation. My name also appears misrendered ( XXXX XXXX instead of XXXX XXXX XXXX ). 

TransUnions results dated XX/XX/XXXX show the XXXX XXXXXXXX tradeline was DELETED. I request enforcement of deletion across all CRAs and prevention of any re-insertion without the certifications and 5-day notice required by FCRA 611 ( a ) ( 5 ) ( 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
Consumer complaint received 2025-10-13 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: NJ

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX  Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: GA

Complaint narrative:
My wallet and phone was stolen in XXXX of 2025. I\nNotified time of the incident and requested for a freeze to replace on my account. Due to the fact that wire transfers were made out of my account and that a debit card was linked to my time account.. Since I opened my time account, I have never done a wire transfer except to my wife and I never had a debit card to my time account.The one that they had given me. All my XXXX money in XXXX was taken and in XXXX. I have tried to prove my identity.With time so I would be able to access my account online.But because I do not have my password information and can not verify myself according to them. When? \nIn fact, I have my marriage license and my social security card letters from the social security office and my marriage license. I had it photocopy of my nebraska license and they said this was not good enough to verify who I am. I have filed a police report regarding the fraudulent transactions that have happened on my bank account. I called time requesting for a bank statement because the police department needed it and was unable to even get the bank statement. Chime never froze the calm.The individual ended up accessing my account again in XXXX and taking all of my money for the past XXXX months.I have been living without my funds from XXXX. I am still unable to access my account.I do not know what's going on with my disputes.What time. All I do know is that i've had XXXX XXXX dollars taken from me and i'm not getting nowhere with it. I need to close my account.Have my money sent to me in the form of a check? And I can't do that either.I can't get the police report or the bank statement for the police department.So that investigations at a standstill, everything I need to prove the fraud charges I can not obtain through this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: TX

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

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 2025-10-13 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: TX

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Thaxton Investment Corporation
State: SC

Complaint narrative:
I have paid this account with Southern finance established I don't own them anything, the account still shows on my collection, I have not give you a ride to Share my information with any second or third part and I'll be pursuing a lawsuit if necessary if this account doesn't get delete from my collection account. IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # XXXX HAS VIOLATED MY RIGHTS. 15 U.S.C 1681 SECTION 602 A.

STATES I HAVE THE RIGHT TO VITE PRIVACY. 15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUN WITHOUT MY WRITTEN INSTRUCTIONS XXXX Delete account to XXXX XXXX lawsuit ssn XXXX SOUTHERNEN Last reported XX/XX/XXXX {$0.00} Reported balance Highest balance Nice! You've paid off 100 % of this loan {$1100.00} OVERVIEW Highest balance Monthly payment Opened Term {$1100.00} - XXXX XXXX, XXXX ( 3 yrs, 6 mos ) 11 monthsof

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: OH

Complaint narrative:
I am filing a complaint regarding inaccurate and unverified collection accounts appearing on my credit report. I properly exercised my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by sending written requests for debt validation to the following collection agencies : XXXX XXXX XXXX, XXXX Reported balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX Reported balance : {$910.00} XXXX XXXX XXXX Reported balance : {$1500.00} Each agency failed to provide sufficient validation as required under 15 U.S.C. 1692g and continued to report these accounts to the credit bureaus, violating the FDCPA.

Furthermore, I disputed these items with Equifax and TransUnion, but the bureaus verified the information without proper documentation from the furnishers. This constitutes a violation of 15 U.S.C. 1681i ( a ) ( failure to conduct a reasonable reinvestigation ).

I am requesting that these unverified and inaccurate collection accounts be deleted from all credit reports immediately and that the collection agencies cease all reporting and collection activity until proper validation is provided.

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 2025-10-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
In XX/XX/year>, I purchased a vehicle from a XXXX dealership that was presented as brand new. After signing, I was not allowed to take the car home for several days. When I received it, I discovered it had already been used as a loaner vehicle, with prior mileage not disclosed at the time of sale. 

The dealership added costly extras ( warranty, protection packages, etc. ) without a full breakdown or proper explanation. The interest rate was over 9.6 %, and key loan terms were not clearly presented. These added financial burdens, combined with the misrepresentation of the car, left me paying far more than expected for a vehicle that wasnt what I believed I was buying. 

I reached out early to both the dealership and XXXX corporate. After multiple follow-ups, XXXX officially stated they would not intervene and referred me back to the dealership that caused the problem. I also filed complaints with the XXXX and the Attorney General with no resolution. 

This was my first new vehicle purchase. I believe I was misled into a high-cost loan for a car that should have been disclosed as used. Im asking the CFPB to help pursue a fair resolution.

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 2025-10-13 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: MD

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
On XX/XX/XXXX, I visited the Chase branch at XXXX XXXX XXXX XXXX, XXXX XXXX, NV, to close my account. The teller refused to process my request unless I showed real-time text messages on my personal phone. This was inappropriate, invasive, and unprofessional. 

Additionally, in XXXX, Chase refused to wire {$2000.00} to my brother in XXXX despite full documentation. I believe I was subjected to discrimination, poor service, and a privacy violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: PA

Complaint narrative:
There were XXXX transactions on XX/XX/XXXX totaling XXXX taking from my acct through

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-13 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:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS AS LATE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: CA

Complaint narrative:
I am following up on a prior dispute I submitted under FCRA 611 ( 15 U.S.C. 1681i ) concerning an account reporting inaccurately on my credit file. I included documentation clearly supporting my claim, yet the credit bureau failed to perform a reasonable reinvestigation within the required timeframe. There have been no meaningful updates, and the account continues to report with the same errors. I have not received any confirmation regarding the results of a reinvestigation or any explanation of how the information was verified. This inaction violates my rights under the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$190.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$8500.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1000.00} XXXX  Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4200.00} XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$270.00} XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1300.00} XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$32000.00} XXXX XXXX XXXX XX/XX/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 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 XXXXXX/XX/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