vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 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: PA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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:
I am writing to request detailed information regarding the investigation and status of the account associated with XXXX XXXX, which was reported as 30 days late in XX/XX/XXXX and XX/XX/XXXX. 

Please provide the following information within 15 days of receiving this request : Method of Investigation A description of how the late payment entries were verified.

Records of Communication Copies of any communication or contact logs related to the investigation, including names, addresses, and phone numbers.

Documentation of Late Payment Verified documentation that supports the reported delinquencies.

If you are unable to provide this information within the specified timeframe, I request that the account status be updated to " PAID/NEVER LATE '' and that I be sent a copy of my updated credit report reflecting this correction.

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 2025-07-31 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:
PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : 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 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 2025-07-31 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: TX

Complaint narrative:
I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND I HAVE FOUND FRAUDULENT ACTIVITY. I HAVE DISPUTED THESE ITEMS WITH EXPERIAN, TRANSUNION, AND EQUIFAX AND THE COLLECTIONS HAVE YET TO BE VALIDATED OR REMOVEDXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.

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 2025-07-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: VA

Complaint narrative:
On XX/XX/XXXXXXXX  Nissan salesman assure my husband and I we could trade our XXXX  XXXX for a XXXX  XXXX. He ask us was we putting down a payment. I dont him no but then he ask could we put down a {$1000.00}. We told him we didn't have it. He then told us we could see if we quaify for XXXX percent credit card from XXXX and we would have 9 months to pay it off. I told him ok but I was only agreeing to {$1000.00}. Cause we couldn't afford anything else. He sent us over to finance department. As we were signing the paperwork. The lady showed us three options we could used. I took the lessor of the three. They gave us a document with XXXX on it. I thought XXXX was financing our car. We left with the paperwork believing it was final. A week later we received a credit card each from XXXX. With different amounts. I took the paperwork to the finance department and they said we agreed to used these cards for down payment. I told them this isn't right. They showed us XXXX document we signed agreeing. I told him we were miss lead. We agree to only {$1000.00}. My husband had a bill over {$1900.00} and mine was over XXXX. I told him we couldn't afford this. He told me I could get a load to pay it off. My Dad was coming to Virginia 3 days because my sister was XXXX. On Friday XX/XX/XXXX nissan called me and told me our paperwork was incomplete. My husband went back to Nissan and they informed us we needed to activated our XXXX credit cards. I looked at the lady and asked. Are you telling me we used four credit cards as down payment and she said yes. I asked her who in their right minds would use four credit cards for a down payment. I then told them we wanted our old car back. Remind you it had not been 30 days and our paperwork was incomplete. They told me they had already sold our car. My response was how do you sale a car when the deal was incomplete. We lost it. They mislead us did not explain we were using Four credit cards. To make it worst the credit cards have to be paid off in six months and not in nine months before 32 % interest will apply. I am XXXX and my husband is XXXX. I ask them lady to show me on the paperwork were the credit cards were used for down paperwork. They took upon themselves to get four credit cards without our knowledge. We was were this information listed as down payment. {$9000.00} dollars was listed as down payment. Please help us. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: MI

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 2025-07-31 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: MI

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 non-monetary relief
Consumer complaint received 2025-07-31 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: GA

Complaint narrative:
In XXXXXXXX XXXX XXXX XXXX XXXX XXXX has reported a late payment to my credit report for an account I was not behind on, diminishing my credit score and stopping me from being approved by other creditors. When I tried to contact the company they told me there was nothing they can do on their end and to contact the bureaus. I would like the late payments to be removed since I was never late on payment.

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 2025-07-31 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: GA

Complaint narrative:
In XXXXXX/XX/XXXXXXXX has reported a late payment to my credit report for an account I was not behind on, diminishing my credit score and stopping me from being approved by other creditors. When I tried to contact the company they told me there was nothing they can do on their end and to contact the bureaus. I would like the late payments to be removed since I was never late on payment.

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 2025-07-31 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:
In XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX has reported a late payment to my credit report for an account I was not behind on, diminishing my credit score and stopping me from being approved by other creditors. When I tried to contact the company they told me there was nothing they can do on their end and to contact the bureaus. I would like the late payments to be removed since I was never late on payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: IL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I used my CareCredit account to pay for a surgical procedure in [ XX/XX/year> ], which was not performed as agreed. The doctor promised full liposuction XXXX in order to qualify for a XXXX  because I already didnt have enough XXXX but did not remove the XXXX and did not perform the XXXX himself. Therefore the XXXX didnt last because they never put enough. Also found out he was supposed to be conducting another patients XXXX ( my friends ) while I was in consultation with himmeaning unqualified assistants were likely the ones performing the procedures in new life plastic XXXX which is not the first complaint. I dropped my friend off for XXXX with my same doctor. She went under. He came to my consultation and after my consultation, they told me she was ready for pick up therefore, he did not do her XXXX an assistant did. There were no other doctors on the floor that early. And even if there was my friend and I agreed to have this doctor do our XXXX not another one. When I tried to switch my doctor with new life, they denied me switching my doctors and told me I would lose my money if I did not go forth with the XXXX. 
I contacted the provider multiple times immediately after XXXX to report that areas were untouched ( arms, back, sides, thighs ). They never responded. They canceled my follow-up, and I was never contacted by the doctor or staff again, despite promises that I could speak to the surgeon & it would be resolved. 

I submitted a dispute to CareCredit and provided : Photos showing no XXXX was removed XXXX proof the doctor was not performing procedures Screenshots showing the provider never contacted me XXXX I continued messaging them with no response for over a year. 

Despite this, CareCredit closed the dispute several times and falsely stated that the provider resolved the issue and contacted me. I requested proof of contact multiple times and received nothing. 

Worse, the provider submitted another patients documentation as proof during the dispute. The chart and ID did not match mine. CareCredit accepted that false evidence and denied my case again. 

This situation has cost me thousands of dollars and put my health and safety at risk. I am seeking a full refund, and Im also reporting what may be a HIPAA violation due to the mishandling of another patients records.

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 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Army and Air Force Exchange Service
State: CA

Complaint narrative:
I am writing to request detailed information regarding the investigation and status of the account associated with Army/Air Force Exchange XXXX XXXX XXXX XXXX XXXX XXXX  which I understand was reported as 30 days late in XX/XX/year>. Please provide the following information within 30 days of receiving this request : Method of Investigation : A detailed description of the technique used to investigate the late payment on my account. Records of Communication : Copies of all records indicating who was contacted during the investigation, including names, business addresses, and phone numbers. Documentation of Late Payment : Any documentation that proves the account associated with account was indeed late. If you are unable to provide this information within the specified timeframe. In that case, I request that you update the account status to " PAID/NEVER Late '' and provide me with a copy of my updated credit report reflecting this change.

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 2025-07-31 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: AL

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

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 2025-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: AZ

Complaint narrative:
I am a XXXX XXXX. On XXXX XXXX my sons father sent a child support payment to my Chime checking account via direct deposit. Immediately after the deposit posted, Chime allowed a third-party lender ( MyPay ) to withdraw the full amount to repay a loan leaving me with only {$30.00}. 

I did not authorize this withdrawal. Chime later told me they had updated their policy to allow any deposits, even child support to be used toward repayment. I was never given clear notice or consent options about this change. 
This money was not general income, it was intended solely to care for my child. The loss of this deposit has caused serious financial hardship, stress, and left me unable to provide basic needs for my son. 
I have contacted Chime multiple times by phone, and Ive been told theres nothing they can do. Im asking the CFPB to investigate this matter, and to help me recover the funds that were taken without proper warning or consent. 
This feels like a predatory practice targeting vulnerable families, and I want to ensure it does not happen again to other parents. I can provide proof that this deposit was child support if needed ( screenshot or statement from the sender ). Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: NV

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : 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 : {$1200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Revolut Technologies Inc.
State: NY

Complaint narrative:
I recently turned 18 and attempted to open a Revolut account in the United States. Since becoming eligible, every account I create is automatically closed because Revolut claims they can not verify my identity. I have submitted all requested documents, including valid U.S. government-issued identification, multiple times. Despite this, Revolut continues to close my accounts and denies all appeals without providing a clear reason or a way to resolve the issue.

I believe this is an unfair practice because I am legally an adult and entitled to access financial services. Revolut does not provide any alternative method to verify identity or escalate the issue for review by a human compliance officer. Their automated system immediately closes accounts without explanation or transparency.

This behavior may violate : Electronic Fund Transfer Act ( EFTA ) ( 15 U.S.C. 1693 et seq. ) which requires clear disclosures and fair practices for consumers using electronic financial services.

CFPBs UDAAP standards ( Unfair, Deceptive, or Abusive Acts or Practices ) because Revolut provides no meaningful way to resolve identity verification disputes, effectively blocking consumers from using their services without adequate reason or recourse.

Resolution Requested : Review Revoluts practices regarding identity verification for U.S. consumers.

Require Revolut to provide a clear process for consumers to verify identity and open accounts once they are legally eligible.

Reopen my account or provide an alternative verification process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: IN

Complaint narrative:
I found multiple inaccurate and harmful entries that I have already disputed several times without receiving proper validation or correction. For example, an installment account from XXXX XXXX XXXX, reported under two different account numbers, reflects derogatory status and alleged late payments, yet no documentation has ever been provided to verify the debt or explain the duplicate reporting. Similarly, two XXXX XXXX accounts are showing late payments and charge-off statuses, despite the fact that I have documentation indicating that payments were made as agreed. Additionally, a lease account from XXXX is being reported negatively without a copy of the original lease or a breakdown of payments. Several collection accounts, including those from XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX, remain on my report even though no original agreements or proper validation of the debts have been provided. I also identified inconsistencies in personal information, including numerous incorrect variations of my name, and a number of unauthorized inquiriesparticularly from auto lenders and credit card companiesthat I never initiated or approved. Despite multiple rounds of dispute, these issues have not been resolved or substantiated. I am now requesting a reinvestigation and permanent removal of any items that can not be fully validated according to federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

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