vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: TX

Complaint narrative:
On this XXXX XX/XX/year> A Payment was sent on my behalf to another Consumer by Accident. The bio stated it was for another Name but it was sent to the wrong person. I've reached out to the person who I sent the money to for a Request of a Refund I don't know the person when I typed in XXXX I clicked the person I sent money to before. I've asked chime to reach out and do an Investigation because I don't know the person and if they can get the person to send the money back they told me it's nothing that they can do. {$460.00} of my money was just given away freely and the person on the Phone thought it was a Joke. He laughed in my face during the phone call of me calling chime to Dispute the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
Had a charged off account with American Express. I worked with a XXXX XXXX XXXX  who helped me get into a DMP program ( Debt Management Program ) with American Express. Since then, I have made all of my payments on time. I was recently going through my credit report and saw American Express was reporting them late. I disputed it through XXXX. American Express said the information is reporting accurately. I called American Express who said that they are reporting the balance lower but that my account is still past due. American Express said they will continue to report the whole balance of the credit card past due and not that the payments are on time. This is inaccurate and they refuse to help. 


Rep I spoke with at American Express - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: GA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-04-18 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: NY

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 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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-18 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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 HAVE BEEN AFFECTED OF XXXX  AND XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX. 

UNAUTHORIZED INQUIRIES : 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 2025-04-18 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:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy. 
and accuracies

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 2025-04-18 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: WI

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 2025-04-18 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: WI

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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: AL

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
For the last three months I have been disputing these 3 accounts on my credit report with Experian, Transunion, and Equifax. I have noted 15 US.code 1692g, 15 US.code 1692c. I have also mentioned FCRA 623 ( a ) ( 3 ) but I never get any proof to verify debt. I only have account names and amounts. No account numbers. 

XXXX {$1600.00} XXXX XXXX XXXX XXXX {$890.00} XXXX XXXX XXXX {$450.00}

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 2025-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Re : Cease and Desist ; Formal Demand for Immediate Deletion of Inaccurate & Non-Compliant Collection Account ( Acct : {$660.00}, Opened XXXX ) To Whom It May Concern : This letter serves as formal notice under 15 U.S.C. 1681s-2 ( b ) of the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX Credit Reporting Guidelines to CEASE ALL REPORTING and IMMEDIATELY DELETE the unlawfully reported collection account below due to material inaccuracies and procedural violations. 

Disputed Account Details Creditor Name : COLLECTION Reported Status : Open ( Incorrect ) Balance : {$660.00} Date Opened : XXXX XXXX XXXX Legal and Procedural Violations Incomplete & Unverifiable Creditor Information ( FCRA 1681e ( b ), XXXX XXXX Violation ) The creditor is listed as COLLECTIONa misspelled, generic placeholder violating XXXX XXXX requirements for valid creditor identification ( Field XXXX ). 

The Type field is blank, failing to classify the account ( e.g., Installment, Revolving, Collections ). 

Falsified Open Status ( FCRA 1681c ( a ) ( 5 ), XXXX XXXX Code Violation ) Reporting this as an Open account misleads creditors about my liability. Per XXXX XXXX guidelines, collection accounts must be labeled Closed or In Collection.

Duplicate Dispute Remarks ( FCRA 1681i ( a ) ( 1 ) ( A ) ) The remarks Dispute resolved-subscriber disagrees are duplicated, proving your failure to conduct a lawful investigation of prior disputes.

Missing Date of First Delinquency ( FCRA 1681c ( a ) ( 4 ), XXXX XXXX Field XXXX ) The omission of the Date of First Delinquency ( DOFD ) obscures the 7-year reporting limit, violating FCRA obsolescence rules.

Failure to Validate Ownership ( FCRA 1681s-2 ( b ) ) You have provided zero documentation proving legal ownership of this debt, my liability, or the amounts validity.

Demand for Compliance Under FCRA 1681i ( a ) ( 1 ) ( A ), you are legally obligated to : Permanently delete this account from all credit bureaus ( Experian, Equifax, TransUnion ) within 15 days of this notice. 

Cease all reporting and collection activities related to this invalid debt. 

Provide written confirmation of deletion, including updated credit reports. 

Failure to Comply If you disregard this demand by [ Deadline : 15 days from receipt ], I will : File complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and [ Your State ] Attorney General for willful FCRA violations. 

Pursue litigation under FCRA 1681n for statutory damages ( {$1000.00} per violation ), punitive damages, and attorney fees. 

This letter does not waive any rights under federal or state law. 

Respond in writing to confirm compliance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
Company will not disclose for the purpose of servicing as incapable to function to a restriction placed on previous account with falsifications indicating no reason for restricted account access to be renewed. Please allow me to open account validation and set up direct deposit to get account and routing number and card usage

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: TX

Complaint narrative:
Through XXXX and XXXX of 2025, I contacted the loan servicer to get the steps to have the loans forgiven as a totally and permanently XXXX veteran. I requested that the lender allow me time to get the documentation complete. 

I would like to add that I had been severely ill and my entire life was impacted by an illness that was purposely neglect by the XXXX XXXX XXXX XXXX XXXX XXXX. All of which, the school was informed of prior to any of these occurrences. Since the issue began I have been being abused tremendously by systems that are meant to protect the XXXX. It truly feels like a hate crime. 

It wasnt until XXXX that the fsa started processing the application. The information still has not been sent to the loan servicer. 

I also never received any written notices in regard to the loan status or anything else to do with the account. 

Nonetheless, the lender reported my account 90 days late and made my credit scores drop by XXXX points. I literally was about to be pre approved to use my XXXX XXXX XXXX to purchase after having lost my first house due to said illness. 

I have worked tirelessly to rebuild my life and been extremely responsible in managing my account with this lender. I am highly disappointed in them and would have imagined that all of this would be taken into consideration before ruing my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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:
Through XXXX and XXXX of 2025, I contacted the loan servicer to get the steps to have the loans forgiven as a totally and permanently XXXX veteran. I requested that the lender allow me time to get the documentation complete. 

I would like to add that I had been severely ill and my entire life was impacted by an illness that was purposely neglect by the XXXX XXXX XXXX XXXX XXXX XXXX All of which, the school was informed of prior to any of these occurrences. Since the issue began I have been being abused tremendously by systems that are meant to protect the XXXX. It truly feels like a hate crime. 

It wasnt until XXXX that the fsa started processing the application. The information still has not been sent to the loan servicer. 

I also never received any written notices in regard to the loan status or anything else to do with the account. 

Nonetheless, the lender reported my account 90 days late and made my credit scores drop by XXXX points. I literally was about to be pre approved to use my XXXX XXXX XXXX to purchase after having lost my first house due to said illness. 

I have worked tirelessly to rebuild my life and been extremely responsible in managing my account with this lender. I am highly disappointed in them and would have imagined that all of this would be taken into consideration before ruing my life.

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 2025-04-18 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: TX

Complaint narrative:
Through XXXX and XXXX of 2025, I contacted the loan servicer to get the steps to have the loans forgiven as a totally and permanently XXXX veteran. I requested that the lender allow me time to get the documentation complete. 

I would like to add that I had been severely ill and my entire life was impacted by an illness that was purposely neglect by the XXXX  XXXX XXXX XXXX XXXX XXXX All of which, the school was informed of prior to any of these occurrences. Since the issue began I have been being abused tremendously by systems that are meant to protect the XXXX. It truly feels like a hate crime. 

It wasnt until XXXX that the XXXX started processing the application. The information still has not been sent to the loan servicer. 

I also never received any written notices in regard to the loan status or anything else to do with the account. 

Nonetheless, the lender reported my account 90 days late and made my credit scores drop by XXXX points. I literally was about to be pre approved to use my VXXXX XXXX XXXX to purchase after having lost my first house due to said illness. 

I have worked tirelessly to rebuild my life and been extremely responsible in managing my account with this lender. I am highly disappointed in them and would have imagined that all of this would be taken into consideration before ruing my life.

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