vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-07 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: TX

Complaint narrative:
This account is being reported inaccurately. The creditor charged off the account on XX/XX/2023 but it continues to be reported with new late payments each month after that date. 

Please correct this reporting to show the account as charged off as of XX/XX/2023 and remove any late payment notations after that date. This reporting violates the Fair Credit Reporting Act ( FCRA ) due to inaccurate and misleading information. 


XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$800.00} Account # XXXX {$630.00} Account # XXXX {$1000.00} Account # XXXX {$330.00} Account # XXXX {$1200.00} Account # XXXX {$280.00} Account # XXXX {$150.00} Account # XXXX {$1700.00} Account # XXXX {$380.00}

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 2025-10-07 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: EQUIFAX, INC.
State: KY

Complaint narrative:
I am officially requesting the removal of this erroneous account from my credit report, as I did not authorize its creation or usage. Supporting documents are enclosed to substantiate my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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: LA

Complaint narrative:
I wanted to make you aware that I was unable to manage these accounts due to being detained, and I was unaware of the status of my files during that time. Unfortunately, someone took advantage of my personal information to create fraudulent accounts. Its important to ensure that these accounts are not reported on any of my credit reports.

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 2025-10-07 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: LA

Complaint narrative:
I wanted to make you aware that I was unable to manage these accounts due to being detained, and I was unaware of the status of my files during that time. Unfortunately, someone took advantage of my personal information to create fraudulent accounts. Its important to ensure that these accounts are not reported on any of my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with 15 U.S. Code 1681g, remove the disputed accounts in a timely manner.

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 2025-10-07 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: GA

Complaint narrative:
Experian verified inaccurate and unvalidated account from XXXX XXXX XXXX  XXXX XXXX Complaint Narrative : I am submitting this complaint because Experian verified a false and unvalidated account reported by XXXX XXXX XXXX  XXXX XXXX. The furnisher responded on XX/XX/XXXX, stating that they consider the matter resolved and would not provide further information. This proves no actual validation ever occurred. 



Despite this, Experian verified the same tradeline in XX/XX/XXXX and continues to report the account with re-aged data, an incorrect address, and interest added after charge-off. This is a clear violation of my rights under the Fair Credit Reporting Act. 



Violations : FCRA 611 ( a ) ( 1 ) : Failure to conduct a reasonable reinvestigation.

FCRA 623 ( a ) ( 1 ) ( A ) : Furnishing inaccurate information knowingly. 

FDCPA 809 ( b ) : Continuing to report without complete validation.

Account Information : Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account ending : XXXX Experian XXXX : XX/XX/XXXX Incorrect address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX Attached Evidence : XXXX XXXX letter ( XX/XX/XXXX ) Equifax frivolous dispute response ( XX/XX/XXXX ) Updated reports from all three bureaus showing validation conflicts Certified mail receipts from original disputes

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/year>, I received a notification via email from XXXX XXXX XXXX XXXX alerting me that a credit account had been reported as past due. The notice mentioned that this could lower my XXXX score. I logged onto my XXXX XXXX to verify if this information was true, and didn't see any late payments. I then checked the link in the email and clicked it to see where it took me. It was through this link that I learned about a Capital One credit card that charged {$430.00} out of the {$300.00} that was approved without my knowledge or consent. I checked my credit report with XXXX  and quickly called Capital One to speak with an agent ( XXXX ), and then I was transferred to the fraud investigations department with another agent ( XXXX ). I explained this situation, and I was reassured that their team had already placed a fraud notice on the account before my call. I asked them to cancel any charges and to close this account. I further asked them to remove this report from the credit bureaus. XXXX placed another fraud notice on the account and opened an investigation, stating that the matter should be resolved within 60-90 days. I was instructed to disregard any notifications charging me with this bill. I was then instructed to report this to the police, the credit bureaus, identitytheft.gov, and Social Security. I continued with a police report and placed a freeze on each credit bureau while also setting up fraud alerts. I then attempted to report this to IdentityTheft and was unsuccessful because of the government shutdown. I have called my local Social Security office as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Kindly remove this inaccurate entry from my credit report as I neither authorized nor recognized this account. Attached are the pertinent documents supporting my assertion.

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 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: PA

Complaint narrative:
am writing to formally express my concerns regarding chime handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Chime numerous times and reporting discrepancies, my financial institution and Chime 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 Chime 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 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

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 TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2025-10-07 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: PA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2025-10-07 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: PA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2025-10-07 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: Exeter Finance, LLC.
State: VA

Complaint narrative:
Dispute of Reported Charge-Off / Missing Form 1099-C Dear EXETER FINANCE, I am writing to formally dispute the reporting of a charge-off on my credit report and to request clarification regarding the handling of this account. 

Account Number : [ XXXX ] This account has been reported as a charge-off, yet I have never received a Form 1099-C ( Cancellation of Debt ) from your institution or the original creditor, as required by the IRS when a debt of {$600.00} or more is canceled or forgiven. 

If the debt has been forgiven or canceled, you are legally obligated to issue a Form 1099-C to both myself and the IRS. If it has not been canceled, please provide documentation showing that the charge-off is still an active, collectible account and not a canceled debt reported incorrectly. 

Please provide the following documentation to validate this reporting : Proof that the charge-off is accurate and valid. 

The date of charge-off and any subsequent transfer, sale, or cancellation details. 

A copy of any Form 1099-C filed with the IRS related to this account ( if applicable ).

An itemized accounting of the balance and how it was calculated.

Until you verify this information, I request that the charge-off entry be investigated and removed or corrected as appropriate under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Please provide written confirmation of the results of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: NY

Complaint narrative:
Follow 15 U.S. Code 1681g by deleting all contested accounts within the set time limits.

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 2025-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I went into the bank WellsFargo ( Branch : XXXX XXXX XXXX XXXX XXXX, GA XXXX ) on XX/XX/year> ( yesterday ) to withdraw moneys for my nephew home that's in foreclosure and sale today ( XX/XX/year> ). I got profiled and this isn't the only time I was recently in California ( long story short, I was profiled and wasn't able to complete my transaction ). I made an internally but they did come up with a solution. I haven't have the time to get make my formal compliant on that matter, so back to this one. after requesting the funds they went through my account transaction for, because I a XXXXXXXX XXXX XXXX and I '' m take a large sum of money out. Flagged my account for a 3rd party credit ( return ) item. But the person who done it didn't do a thorough look. the person whom did the review ( the bank teller and branch manager ), the party was the old owner. and all they had to do is look at the transactions and verify that they came from the account and look into the ownership transfer. now my funds on on hold due to a clerical error. and I'm in need of this funds as of yesterday ( its sate to say that I missed the sell of the house and its because of the profiling that the banker done ).

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 2025-10-07 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: TX

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-10-07 00:00:00
Product: Student loan — Private student loan
Issue: Issue where my lender is my school — Issues with fees connected to the loan
Company: MOHELA
State: FL

Complaint narrative:
XXXX  private loan discharge : Some XXXX  borrowers have received a special private loan discharge application through a pilot program. You may be able to file a complaint with the CFPB to receive XXXX XXXX culinary academic was closed for misconduct school predator mislead false advertiser false salaries for about 20 years my live change as soon as the recruiter enforce me to sig this loan wit no information about the interest rate is 18 % and destroyer my credit and I have trauma no find a good job with good salary I get only stress please help I need take out this loan of my credit report and discharge

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX Subject : FCRA XXXX ( a ) Procedural Request & Demand for Deletion XXXX XXXX XXXX XXXX XXXX XXXX XXXXunt Ending XXXX ) Dear Equifax Dispute Department , This letter is submitted as a formal dispute and procedural request under Section 609 ( a ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681g ) regarding the XXXX XXXX XXXX XXXXXXXX XXXX account ending in XXXX, reported on my Equifax credit file dated XX/XX/XXXX. I categorically dispute the accuracy and completeness of this account. Its continued reporting constitutes a violation of FCRA 1681i ( a ), which requires the deletion of unverifiable or inaccurate information. Procedural Request Under FCRA 609 ( a ) : I hereby demand that Equifax provide me with copies of all documentation and records relied upon in reporting and verifying this account, including but not limited to : A copy of the original signed credit application or agreement allegedly executed by me. Complete payment history and account records received from XXXX XXXXXXXX XXXX XXXX XXXX XXXXentification of the party or system used to verify the accounts accuracy under prior disputes, including the method of verification. Proof of XXXX XXXX continued legal authority to report this account, including any assignment, transfer, or closure documentation. Disputed Account Information : Creditor XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Status : Closed / Pays as Agreed Balance : {$0.00} Date of Last Activity : XX/XX/XXXX Required Action : If Equifax and XXXX XXXX can not provide full verification with the above-requested documentation, this account must be immediately deleted from my Equifax credit XXXX pursuant to FCRA 1681i ( a ) ( 5 ). Notice of Intent to Escalate : Failure to provide legally sufficient verification or failure to delete unverifiable information will leave me no choice but to : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Florida Attorney Generals Office ; Consider legal action under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance, including statutory damages, actual damages, emotional distress, and attorneys fees. I demand written confirmation within 15 days of receipt of this request that this account has either been fully verified with supporting documentation or permanently deleted from my Equifax credit file. Enclosed are copies of supporting documents for your review. Respectfully, XXXX XXXX XXXX Enclosures : Supporting Documentation

Company response to consumer: Closed with non-monetary relief