vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-26 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: TX

Complaint narrative:
I am formally disputing the following collection accounts reported on my credit file, as these accounts should be deleted according to 15 U.S. Code 1681c-2. I am requesting a thorough reinvestigation and deletion of any unverifiable, outdated, or inaccurate accounts.

Please review and remove the following collection agency accounts from my credit report : 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

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 2025-07-26 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: TX

Complaint narrative:
I am formally disputing the following collection accounts reported on my credit file, as these accounts should be deleted according to 15 U.S. Code 1681c-2. I am requesting a thorough reinvestigation and deletion of any unverifiable, outdated, or inaccurate accounts.

Please review and remove the following collection agency accounts from my credit report : 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

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 2025-07-25 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: IN

Complaint narrative:
I am filing a complaint against Experian for their failure to properly investigate and resolve disputes regarding inaccurate information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). Below are the details of my issue : Initial Dispute : On XX/XX/year>, I mailed a dispute letter to Experian via XXXX XXXX mail ( tracking number XXXX ). The letter requested an investigation into inaccurate information reported on my credit file, specifically regarding the account with : 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 This account is reporting derogatory remarks that are incorrect. I requested that Experian remove these derogatory remarks, update the account to reflect positive reporting as per FCRA guidelines, and delete any incorrect personal information listed on my credit report. I included all necessary documentation to verify my identity, including a copy of my drivers license, Social Security card, and proof of address, as required. 
Experians Response : On XX/XX/year>, Experian responded via email, stating, " We have received your request concerning inaccurate information on your credit file. Because the information you provided as proof of your identity does not match the information we currently have on your credit file, we ask that you send us a copy of XXXX different items- XXXX from each of the listed. '' I was disappointed by this response, as the requested identity verification documents were already included in my initial dispute letter.

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 2025-07-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc.
State: MA

Complaint narrative:
I sent {$25.00} via cashapp to purchase clothing and the person took my money blocked me a declined my refund. Cashapp wont do anything about it what so ever i need help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: UT

Complaint narrative:
I have never been late on a payment, making this record false. I request that it be removed and my account be accurately updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: OH

Complaint narrative:
I regularly check my credit report because my credit score is important to me, and I keep seeing inaccurate and false information listed. This has been a recurring issue that has not been resolved, no matter how many times I report it. It is extremely stressful and exhausting. 

These ongoing errors are unfairly affecting both my life and my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: FL

Complaint narrative:
Please help me investigate accounts from these companies that are incorrectly reporting me as late. Upon reviewing my credit report, I found certain accounts with inaccurate late payment marks. These accounts should not have any late payment remarks. I request these remarks be removed and the accounts updated to reflect the agreed positive status.

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 2025-07-26 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: CO

Complaint narrative:
I am writing a complaint to dispute on this account that is appearing on my credit report that contains inconsistent and inaccurate reporting of the account closure date across all three major credit bureaus. 

The account in question is : XXXX XXXX The DATE CLOSED for this account is being reported differently across the following credit bureaus. 

Experian reports : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX reports : XX/XX/XXXX This is a clear violation of the Fair Credit Reporting Act, specifically : 15 U.S.C. 1681e ( b ) - this requires credit bureaus to maintain maximum possible accuracy in the information they report.

15 U.S.C 1681i ( a ) - this section requires credit bureaus to reinvestigate any disputed items that is incomplete or inaccurate. 

Due to the inconsistent reporting of the closure date, the account is being presented in a false and misleading manner, which affects the accuracy of my credit profile and creditworthiness.

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 2025-07-26 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: CO

Complaint narrative:
I am writing a complaint to dispute on this account that is appearing on my credit report that contains inconsistent and inaccurate reporting of the account closure date across all three major credit bureaus. 

The account in question is : XXXX XXXX The DATE CLOSED for this account is being reported differently across the following credit bureaus. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion reports : XX/XX/XXXX This is a clear violation of the Fair Credit Reporting Act, specifically : 15 U.S.C. 1681e ( b ) - this requires credit bureaus to maintain maximum possible accuracy in the information they report.

15 U.S.C 1681i ( a ) - this section requires credit bureaus to reinvestigate any disputed items that is incomplete or inaccurate. 

Due to the inconsistent reporting of the closure date, the account is being presented in a false and misleading manner, which affects the accuracy of my credit profile and creditworthiness.

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 2025-07-26 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: CO

Complaint narrative:
I am writing a complaint to dispute on this account that is appearing on my credit report that contains inconsistent and inaccurate reporting of the account closure date across all three major credit bureaus. 

The account in question is : XXXX XXXX The DATE CLOSED for this account is being reported differently across the following credit bureaus. 

XXXX reports : XX/XX/XXXX Equifax reports : XX/XX/XXXXXXXX XXXX reports : XX/XX/XXXX This is a clear violation of the Fair Credit Reporting Act, specifically : 15 U.S.C. 1681e ( b ) - this requires credit bureaus to maintain maximum possible accuracy in the information they report.

15 U.S.C 1681i ( a ) - this section requires credit bureaus to reinvestigate any disputed items that is incomplete or inaccurate. 

Due to the inconsistent reporting of the closure date, the account is being presented in a false and misleading manner, which affects the accuracy of my credit profile and creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: NY

Complaint narrative:
I was XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. We broke up over XXXX years ago. We were together for over 2 years. He has my birth date, Social security #, address, phone number, email account address though no access to account. Every few months this gentleman attempts to steal from my accounts. Since I originally set up this account Chime refuses to do anything about this criminal attempting to steal from my account. They want me to change my email address, phone number, and social security number. As we all know I can not change my social security number. The phone number and email address have been in use by me for over 13 years. This is an undo hardship wherein i am being punished for a criminal act by another who has stolen my identity. How does it help to change my email when this person has my information and calls chime to get the current card number which they give him willingly. They are knowingly and willingly aiding and abetting a criminal. They refuse to give the local law enforcement any information. So nothing is done about it. Even though I know who it is the police will not take a report because I can not prove to whom these other accounts belong to and Chime will not tell the police to protect the privacy of the criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
Navy Federal Credit Union is knowingly misrepresenting its legal ownership interest in a charged-off account which was previously securitized. Despite admitting in its own XXXX  XXXX Report that it engages in loan transfers and retains servicing rights under XXXX and XXXX agreements, it failed to disclose any trust documentation or assignment evidence during discovery. This obstructs consumer rights under the FCRA and FDCPA and constitutes deceptive collection activity and false representation of debt ownership.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: FL

Complaint narrative:
I do not recognize this Inquiries in my credit report. 
XXXX XXXX, XX/XX/XXXX, Experian XXXX XXXX XXXX XXXX XX/XX/XXXX, Experian XXXX XXXX XXXX XX/XX/XXXX XXXX Experian

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 2025-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I had a business account XXXX XXXX XXXXXXXX XXXX That was charged excessive fees due to the bank charging for identity theft with out my permission. They charged fees by taking money without my knowledge or a line item in my account. They almost allways cashed the largest check first making every transaction that day insufficient. Most days I was charged the maximum amount in fees. In XXXX and XXXX XXXX in fees had accumulated. During that time no checks bounced. Also during that time my banker promised to refund the fees, I was denied overdraft protection several times. ( XXXX XXXX approved me for a platinum card during that same time ). I had given up on ever seeing my money returned then in XXXX, XXXX I started receiving almost {$4000.00} in checks from Wells Fargo with little explanation. After digging deeper i was granted mediation where I received another {$7100.00}. These were payments for identity theft i was charged almost the lifetime of my account. The money taken without my knowledge would have easily covered my overdraft fees. I am looking to recover all fees, loss of my business and home, plus interest. 

Thanks, XXXX XXXX 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 2025-07-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SCA Collections, Inc.
State: FL

Complaint narrative:
I am submitting this complaint because I am being held financially responsible for a medical XXXX  bill that resulted from actions outside of my control. XXXX XXXX XXXX sent my XXXX XXXX  to a XXXX  that was not part of my health insurance network. 

As a patient, I relied on XXXX to follow proper billing protocols and to send my XXXX  to an in-network facility. I was never informed or given the option to approve or deny the use of an out-of-network lab. 

Because XXXX sent the XXXX  to a XXXX  outside of my insurance network without my knowledge or consent, the charges are not covered by my insurance, and I am now being billed directly. I do not recognize this debt and believe it is unfair to hold me responsible for a billing decision made solely by the provider. 

I am requesting that this debt be removed from any collections process or reporting, and that the appropriate party responsible for the billing error ( XXXX or the laboratory ) address the matter internally, rather than attempting to collect payment from me. 

Thank you for your assistance. 


-- Debt information : Collection Agency SCA COLLECTIONS Original Creditor Name XXXX XXXX XXXX  Date Assigned XX/XX/XXXX Original Amount Owed {$1700.00} Amount {$1700.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact SCA COLLECTIONS XXXX XXXX XXXX XXXX XXXX NC 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 2025-07-25 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: EQUIFAX, INC.
State: CA

Complaint narrative:
There is an unfamiliar inquiry on my credit report that I did not authorize, apply to, or consent to. This unauthorized access is deeply concerning and raises serious questions about how my information is being handled. 

It is causing me significant stress and anxiety, and I believe it violates my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally request the correction of inaccurate personal information listed on my credit report. These errors have been causing significant issues with my credit applications, which is both frustrating and unfair.

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 2025-07-25 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:
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 non-monetary relief
Consumer complaint received 2025-07-25 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:
This is a formal dispute of a fraudulent account reported under my name. I did not initiate any agreement or transaction related to this account.

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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Incorrect Addresses which I Have never Lived at are on this report the other 2 agencies reports have been updater but not Experian Credit Reporting. They have not updated their system information is XXXX XXXX XXXX and Incorrect

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 2025-07-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: CO

Complaint narrative:
I am filing a complaint against Discover regarding a declined chargeback for a XXXX XXXX flight I did not use due to the California wildfires in XX/XX/year>. I contacted XXXX weeks before the flight to cancel or reschedule due to serious safety concerns, but was told I would need to pay excessive change fees. I then filed a chargeback with Discover explaining this was a case of services not rendered due to a natural disaster. 

Despite providing all necessary details, Discover denied the chargeback without adequately considering the force majeure nature of the situation or my proactive cancellation attempts. XXXX eventually told me to wait until XX/XX/year>, for a resolution only to later deny a refund because the chargeback was closed. I believe Discover failed to advocate for the cardholder in a clear case of non-delivery of service and acted unfairly by siding with the merchant. 

I am requesting that Discover reconsider the chargeback decision and issue a refund for the unused ticket.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: CA

Complaint narrative:
I am writing to formally request the correction of inaccurate personal information listed on my credit report. These errors have been causing significant issues with my credit applications, which is both frustrating and unfair.

Company response to consumer: Closed with non-monetary relief