vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 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: GA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MI

Complaint narrative:
I am writing to dispute the reporting of the vehicle loan with Toyota Financial loan account listed on my credit report. The information being reported is inaccurate and does not reflect my true account history. I am requesting that this item be investigated and removed from my credit report. as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: NJ

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Transform Credit Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX issued a written * * Confirmation of Loan Settlement * * on XX/XX/year>, stating my {$7000.00} loan had been " successfully paid in full and is now closed. '' The letter also stated the account would be reported as settled toXX/XX/XXXX within XX/XX/XXXX days. The company further provided the original promissory note marked * * PAID * *. 

Despite this, on XX/XX/year>, I received an email from a Transform Credit representative ( XXXX ) claiming the Paid in Full letter had been sent in error and that I still owed {$6000.00}. Their online dashboard continues to display an active balance and payment reminders. No payment was made before or after the Paid in Full letter was received, meaning the issuance of that letter was not caused by any action on my part. 

This constitutes a * * material inaccuracy * * in Transform Credits recordkeeping and potentially a violation of : - * * Fair Credit Reporting Act ( FCRA ) * * 15 U.S.C. 1681s-2 ( a ) : furnishing inaccurate information. 
- * * Fair Debt Collection Practices Act ( FDCPA ) * * 15 U.S.C. 1692e ( 2 ) ( A ) and 1692e ( 8 ) : false representation of debt status and communicating false credit information. 
- * * CFPB Regulation V, 12 C.F.R. 1022.42 : * * duty to ensure accuracy and integrity of furnished information. 


On XX/XX/year>, I sent a certified * * Formal Dispute & Validation Demand * * letter to Transform Credit at their listed address ( XXXX XXXX XXXX XXXX # XXXX, XXXX, IL XXXX ), with CC to their corporate office ( XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX, IL XXXX ). The letter requests validation, audit logs, and written confirmation that all collection efforts are ceased pending investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: NC

Complaint narrative:
My federal student loan serviced by XXXX is reporting incorrect delinquency information to the credit bureaus. 

According to my credit report, the loan shows late payments of 90, 120, 150, and 180 days past due in XXXX. However, this loan has been in federally approved deferment, and the servicer clearly shows the status as Open. Deferred payments begin in XX/XX/XXXX. 

Federal student loans in deferment can not be reported as past due or delinquent under federal rules and FCRA 1681s-2. During deferment, no payments are required and no delinquency can legally occur. 

Because this loan was not in repayment, these late payment entries are inaccurate, misleading, and harmful to my credit profile. I have never been notified of any delinquency, and no payments were due during these months. 

I am requesting that XXXX correct or delete the inaccurate late payment reporting for the following months : XX/XX/XXXX ( 90 days ), XX/XX/XXXX ( 120 days ), XX/XX/XXXX ( 150 days ), and XX/XX/XXXX ( 180 days ). 

These entries should not appear on my credit report and are causing significant damage to my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: TN

Complaint narrative:
CFPB Complaint Statement Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, TN XXXX Phone : XXXX Email : XXXX Complaint : On XX/XX/year>, I had an unauthorized charge on my Chime account for {$210.00}. Chime alerted me about one suspicious transaction, and I immediately responded No, that was not me. Even after I clearly notified them, they still denied my dispute. 
Chime told me they gathered evidence pertaining to my dispute claim, including records of contact with me and a fraud alert response. However, their decision does not make sense because I notified them right away that the transaction was unauthorized, and I did everything required to protect my account. 
I also want to clarify something : I regularly go to XXXX XXXX, which is close to my home, and those transactions are always legitimate. But after my last valid purchase there, multiple unauthorized charges showed up that I did NOT make. This shows my card information was compromised after my last valid transaction. 
Despite all of this, Chime denied my claim and refused to refund me for the unauthorized {$210.00}. 
They are not properly following the guidelines for unauthorized electronic fund transfers under the Electronic Fund Transfer Act. 
Desired Resolution : I want Chime to properly reinvestigate this dispute and refund the unauthorized {$210.00} to my account. 
I am requesting full compensation for the unauthorized charge and a correction of their decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
have two Chase credit cards that were both affected by my financial hardship. 
Chase approved a hardship/payment plan with minimal interest on my XXXX Chase card XXXX However, for my XXXX Chase Visa ( ending in XXXX ), I was consistently denied the same hardship assistance even though both cards were closed and impacted by the same hardship. 

I called Chase multiple times over several months seeking a payment program before charge-off. Several Chase agents told me to wait until more delinquent or that hardship options * * might become available after more missed payments. 

This guidance prevented me from enrolling in a plan when I first requested help, and now Chase agents say it is too late. 

Chase also directed me to XXXX XXXX XXXXXXXX ( XXXX ) but XXXX told me that they can only help AFTER charge-off and that Chase should have set up the 0 % plan earlier. 

I am not refusing payment I only requested the same hardship plan Chase already provided on my other Chase account. Instead, I feel I received misleading guidance that caused more financial harm, and prevented solutions that I actively sought.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
Chase contacted me after I made a complaint, to no avail to let me know they knew I made a complaint. Chase is a predatory bank that prey on low income people and try to act like they are covering fees but in reality. There tactic is to reverse transactions around to make it look like the individual meaning myself did not have enough money to cover items. After Chase refunded overdraft fees I had a negative XXXX including Chase credit card payment. After they watched my account and saw a payment coming from my job they reversed transaction around and took credit card payment from button of transaction and put on top XXXX, and change leaving a bigger insufficient fee to come out of my paycheck. If they had of left the negative for XXXX my paycheck would have been a little bit more. Chase callously reverted transactions to benefit and they have been doing this for a very long time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-21 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: EQUIFAX, INC.
State: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: CT

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: NC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: MI

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint regarding the mishandling of my payment plan and the subsequent improper closure of my Discover credit card account. 

On XX/XX/XXXX, I set up a payment plan through Discovers online chat and arranged for automatic monthly payments to be drawn from my bank account. The following month, the automatic payment failed. I immediately called Discover and verified that my bank account information on file was correct. During that call, a manual payment using the exact same account was successfully processed, clearly indicating the issue was not with my bank. 

The next month, the automatic payment declined again. I called Discover once more, and after multiple transfers, no representative could determine why the payment failed. I then contacted my bank directly, and I was informed they had not received any request for payment from Discover. 

I called Discover again with this information, yet no one could identify the cause. The same issue occurred the following month, and again I had to call in to make a manual payment. 

This month, I received a message notifying me that my account had been closed due to lack of payment. I immediately called Discover and spent over two hours on the phone, being transferred approximately 12 times. I was finally informed that the issue occurred because Discover had set up my automatic payments as XXXX instead of ACH, which my bank does not accept. This error was made by Discover during the initial setupnot by myself. Despite this admission, I was informed that my account could not be reinstated. 

I have consistently acted in good faith, followed Discovers instructions, and attempted multiple times to correct issues that were solely caused by Discovers incorrect payment setup. As a result, my account was closed unfairly, and I have experienced significant frustration, inconvenience, and potential harm to my credit. 

Thank you for your attention. I look forward to a timely response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: VA

Complaint narrative:
I am disputing the following charged-off accounts that appear on my credit report. These accounts contain inaccuracies, including incorrect dates and balances : 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 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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: GA

Complaint narrative:
XXXX XXXXXXXX XXXX is reporting a late payment from XX/XX/XXXX that is inaccurate and completely unverified. I disputed this late payment in XX/XX/XXXX and XXXX XXXX XXXX  NEVER responded to my dispute, provided any documentation, or conducted a lawful investigation. They did not send payment logs, account history, due date records, or anything showing that a late payment actually occurred. 

Under FCRA 611, if a furnisher does not verify information within the required 30-day investigation period, the information must be deleted. XXXX XXXX XXXX  failed to respond within that timeframe, meaning this late payment is legally unverified and should have already been removed. 

Under FCRA 623, furnishers are prohibited from reporting information that is inaccurate or that they can not prove is accurate. XXXX XXXX XXXX  is reporting an alleged late payment from XXXX without any supporting documentation, which violates the FCRA. 

This incorrect late payment is harming my ability to obtain housing, credit, and financial stability. It is affecting my livelihood and causing ongoing damage because the furnisher ignored my dispute and did not validate the information. 

I am requesting : ( XXXX ) immediate removal of the XX/XX/XXXX late payment from all credit bureaus, ( XXXX ) confirmation that the furnisher failed to verify the information within the 30-day FCRA window, and ( XXXX ) that this late payment be permanently blocked from future reporting since it remains unverified and unsupported.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: NJ

Complaint narrative:
I am filing this complaint because my credit report is showing multiple accounts that do not belong to me. I am a victim of identity theft, and these fraudulent accounts have continued to appear on my credit report even after the theft occurred years ago. I need all inaccurate and unverified accounts removed immediately. 
The following accounts currently appearing on my credit report are fraudulent and were opened without my authorization : THE BUREAUS - {$2600.00} ( Opened XX/XX/XXXX ) ALDOUS AND ASSOCIATES - {$140.00} ( Opened XX/XX/XXXX ) ALDOUS AND ASSOCIATES - {$310.00} ( Opened XX/XX/XXXX ) ALDOUS AND ASSOCIATES - {$280.00} ( Opened XX/XX/XXXX ) XXXX XXXX XXXX XXXX- {$420.00} ( Opened XX/XX/XXXX ) XXXX XXXX XXXX - {$7600.00} ( Opened XX/XX/XXXX ) XXXX ( Closed Account, XX/XX/XXXX ) - Reporting {$1100.00} as of XX/XX/XXXX,

Company response to consumer: Closed with explanation