vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-02 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: NV

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-02 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: NV

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-03-02 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: GA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 non-monetary relief
Consumer complaint received 2025-03-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Tesla, Inc.
State: CA

Complaint narrative:
I am filing a formal complaint against Tesla XXXX for unreasonably delaying my Total Loss claim payment for over 3 months, which has caused my XXXX XXXX  lease account to go PAST DUE, negatively impacting my credit score. 

1. Insurance Information Insurance Company : Tesla XXXX XXXX XXXX XXXX CA agency license number XXXX. 

Policy Number : XXXX Claim Number : XXXX XXXX. Problem Summary Accident Date : XX/XX/XXXX Claim Filed Date : XX/XX/XXXX Tesla XXXX Declared Vehicle a Total Loss On : XX/XX/XXXX As of today, Tesla XXXX has still NOT processed my claim payment to Ally Financial. 
XXXX XXXX has marked my lease account as PAST DUE, negatively impacting my credit score.

I have contacted Tesla XXXX multiple times through phone and email, No response on Phone, Email only response one time, but they have not provided any updates or payments. Their failure to process my claim violates consumer protection laws requiring timely claim payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My personal information was disclosed during a data breach

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 2025-03-02 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: VA

Complaint narrative:
My personal information was disclosed during a data breach

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 2025-03-02 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: OneMain Finance Corporation
State: TX

Complaint narrative:
It was a data breach from XXXX XXXX, 15usc 1681, they sent me a letter this year 2025 letting me know my information was exposed. So I would like to address any delinquent inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
It was a data breach from XXXXXXXX XXXX, 15usc 1681, they sent me a letter this year 2025 letting me know my information was exposed. So I would like to address any delinquent inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
It was a data breach from XXXX XXXX, 15usc 1681, they sent me a letter this year XXXX letting me know my information was exposed. So I would like to address any delinquent inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: FL

Complaint narrative:
LEGAL DEPARTMENT I am writing to dispute the reporting of late payments on my account [ Your Account Number ] in accordance with my rights under the Fair Credit Billing Act ( 15 U.S.C. 1666 ( b ) ). Upon reviewing my credit file, I have discovered inaccurate late payments that do not reflect my actual payment history and are adversely affecting my credit standing.

Specifically, I dispute the following late payments reported on my account : ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NO. : XXXX Date of Late Payment : [ XX/XX/year> ] These late payment reports are inaccurate due to [ choose one or more of the following reasons ] : I made my payment on time, and I have attached proof ( Document to adjust and remove late payment ). 
The reported late payment was the result of an error by your institution.

Under 15 U.S.C. 1666 ( b ), I am formally disputing these inaccurate records and requesting a thorough investigation. I kindly ask you : 1. Conduct a formal review of my payment history to verify the accuracy of the reported late payments.

2. Correct or remove any inaccurate late payment entries from my account.

3. Update all relevant credit bureaus with the corrected information.

4. Provide me with written confirmation of the resolution of this matter.

Enclosed with this letter, you will find copies of supporting documentation, including [ mentioning any supporting evidence such as bank statements, payment receipts, or correspondence ].

Please note that under the Fair Credit Billing Act, you are required to respond to this dispute within 30 days of receiving this letter. Failure to correct this error will leave me with no choice but to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) or explore legal options to ensure compliance.

I appreciate your prompt attention to this matter. Please acknowledge receipt of this dispute and provide an update on the status of your investigation as soon as possible. You may contact me via the details provided above. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
LEGAL DEPARTMENT I am writing to dispute the reporting of late payments on my account [ Your Account Number ] in accordance with my rights under the Fair Credit Billing Act ( 15 U.S.C. 1666 ( b ) ). Upon reviewing my credit file, I have discovered inaccurate late payments that do not reflect my actual payment history and are adversely affecting my credit standing.

Specifically, I dispute the following late payments reported on my account : ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NO. : XXXX Date of Late Payment : [ XX/XX/year> ] These late payment reports are inaccurate due to [ choose one or more of the following reasons ] : I made my payment on time, and I have attached proof ( Document to adjust and remove late payment ). 
The reported late payment was the result of an error by your institution.

Under 15 U.S.C. 1666 ( b ), I am formally disputing these inaccurate records and requesting a thorough investigation. I kindly ask you : 1. Conduct a formal review of my payment history to verify the accuracy of the reported late payments.

2. Correct or remove any inaccurate late payment entries from my account.

3. Update all relevant credit bureaus with the corrected information.

4. Provide me with written confirmation of the resolution of this matter.

Enclosed with this letter, you will find copies of supporting documentation, including [ mentioning any supporting evidence such as bank statements, payment receipts, or correspondence ].

Please note that under the Fair Credit Billing Act, you are required to respond to this dispute within 30 days of receiving this letter. Failure to correct this error will leave me with no choice but to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) or explore legal options to ensure compliance.

I appreciate your prompt attention to this matter. Please acknowledge receipt of this dispute and provide an update on the status of your investigation as soon as possible. You may contact me via the details provided above. 
Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: OH

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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:
Subject : Formal Dispute of Inaccurate Late Payment Reporting XXXX XXXX XXXXXXXX XXXX To Whom It May Concern, I am writing to formally dispute an error on my credit report regarding my account with XXXX XXXX  XXXX XXXX. My credit report is inaccurately showing that I was 60 days late on my payments, which is completely false. As evidence, I have attached confirmation notices from XXXX XXXX verifying that my payments were successfully made on time. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are legally required to ensure that all information reported on a consumers credit file is 100 % accurate ( 15 U.S.C. 1681e ( b ) ). The continued reporting of false late payment information is a direct violation of my rights under the FCRA. Now that I have provided clear proof disputing this late payment claim, the burden shifts to the credit bureau to either correct the error or provide verifiable documentation proving otherwise.

If you can not provide valid, documented payment records proving the alleged late payment, then per 15 U.S.C. 1681i ( a ) ( 5 ) of the FCRA, this erroneous information must be deleted from my credit file immediately. Failure to remove this inaccurate information constitutes continued willful noncompliance with federal law, and I will consider taking further legal action to protect my consumer rights. 

I request a written response within the legally required 30-day period confirming the results of your investigation and the correction of this error. Please send all correspondence to my mailing address above. 

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 2025-03-02 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: MO

Complaint narrative:
Subject : Formal Dispute of Inaccurate Late Payment Reporting XXXX XXXX XXXXXXXX XXXX To Whom It May Concern, I am writing to formally dispute an error on my credit report regarding my account with XXXX XXXX  XXXX XXXX. My credit report is inaccurately showing that I was 60 days late on my payments, which is completely false. As evidence, I have attached confirmation notices from XXXX XXXX verifying that my payments were successfully made on time. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are legally required to ensure that all information reported on a consumers credit file is 100 % accurate ( 15 U.S.C. 1681e ( b ) ). The continued reporting of false late payment information is a direct violation of my rights under the FCRA. Now that I have provided clear proof disputing this late payment claim, the burden shifts to the credit bureau to either correct the error or provide verifiable documentation proving otherwise.

If you can not provide valid, documented payment records proving the alleged late payment, then per 15 U.S.C. 1681i ( a ) ( 5 ) of the FCRA, this erroneous information must be deleted from my credit file immediately. Failure to remove this inaccurate information constitutes continued willful noncompliance with federal law, and I will consider taking further legal action to protect my consumer rights. 

I request a written response within the legally required 30-day period confirming the results of your investigation and the correction of this error. Please send all correspondence to my mailing address above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Subject : Notification of Data Breach Involving Personal Information Hello, I am writing to inform you that my personal information was recently exposed in a data breach. This incident has raised significant concerns regarding the security of my sensitive data, including my name, email address, and potentially other identifying details. 

I would appreciate any guidance on the next steps I should take to mitigate potential risks associated with this breach, including recommendations for monitoring my accounts and protecting my information moving forward. 

Thank you for your attention to this serious matter. 

Best regards, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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:
I filed a dispute with Chime on XX/XX/XXXX in relation to 3 unauthorized charges that were made using my debit card information. Due to the age of the charges I was informed that I would be ineligible for provisional credit which I understood as that is the policy. On XX/XX/XXXX I contacted Chime Support via the Live Chat in the app to confirm that I successfully uploaded some documents pertaining to the disputed charges. During that conversation the agent I was speaking to put me on hold to reach out to the dispute department and then proceeded to tell me that because Im such a great and loyal Chime member Chime has made me eligible to be issued a provisional credit which is offered to few and selective members. When being told something by a representative of the financial institution that I trust my money with there should be no reason to doubt that it is the truth so when I was informed that Id be getting a provisional credit in my account by the end of the day on XX/XX/XXXX, I made arrangements with my landlord to have my rent payment debited from my Chime account on XX/XX/XXXX. The issue is that Chime never made good on that assurance I was given and did not issue the credit to my account which in turn caused my account to have insufficient funds to cover my rent payment and now Im faced with potential eviction. This all could have been avoided if a Chime member never gave me the assurance that I would have a {$2000.00} credit in my account by the end of day on XX/XX/XXXX because without being told that I would have made other arrangements to pay my rent. I have repeatedly contacted Chime Customer Support and spoke to the dispute department, each time being told that there is nothing that they can do and that the Chime representative who told me about the provisional credit had given me misinformation. If it were obviously a case of giving me slightly wrong information then I would understand but in this instance the Chime representative was fully aware of the circumstances surrounding the charges that I disputed as well as the fact that I was ineligible for a provisional credit and they discussed the matter with the dispute team prior to getting back to me to tell me that I was now going to be getting a provisional credit due to being such a great and loyal Chime member. This matter has caused me great financial and emotional distress due to the negative impact it has had as it relates to my living arrangements. Ive attached screenshots of the Live Chat conversation with a Chime agent during which I was told that Id be getting a provisional credit in my account by the end of the day on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding repeated violations of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by all three major credit bureaus ( XXXX, XXXX, and TransUnion ) and several creditor companies. 

Over the past XXXX months, I have consistently sent Debt Validation and Dispute Letters to both the credit bureaus and the respective creditors as per my rights under 15 U.S.C. 1681i ( FCRA ) and 15 U.S.C. 1692g ( FDCPA ). Despite these efforts, the following violations have occurred : 1. Failure to Properly Investigate Disputes ( FCRA 611 ( a ) ) The credit bureaus are required to conduct a reasonable investigation within 30 days of receiving my dispute. Instead, I have received generic stall letters that fail to address my concerns or provide adequate responses to the evidence I submitted.

2. Failure to Provide Debt Validation ( FDCPA 809 ( b ) ) The creditors have continued to send collection notices without providing proper validation of the debts I disputed. This is a clear violation of the FDCPA, which mandates that a debt collector must cease collection efforts until proper validation is provided. 
3. Reinsertion of Disputed Items Without Notification ( FCRA 611 ( a ) ( 5 ) ( B ) ) Items I have disputed and requested to be removed have reappeared on my credit report without the required notice or validation, further damaging my credit score.

4. Injurious and Misleading Reporting ( FCRA 623 ( a ) ( 1 ) ( A ) ) The reporting of inaccurate and unvalidated debts has caused significant harm to my financial and credit health. This has impacted my ability to secure credit on fair terms, violating my consumer rights.

5. Unfair Practices and Harassment ( FDCPA 806 ) The repeated collection attempts by creditors without validating the debts constitute harassment and unfair practices under the FDCPA.

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 2025-03-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CCM Finance LLC
State: TX

Complaint narrative:
The car isnt worth what the company is stating the value is showing 3 times the amount car is only worth XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX value is only around XXXX the information is incorrect and should be removed from my credit report immediately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation