vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-26 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: AZ

Complaint narrative:
This complaint concerns the continued reporting of a late payment by Experian on the following account : XXXX XXXX XXXX, account number ending in XXXX, with a reported delinquency date of XX/XX/year> and the notation " balance paid or being paid by insurance company. '' This account is closed and fully resolved. XXXX XXXX XXXX have already completed investigations and determined the reported late payment to be inaccurate and unverifiable, resulting in the correction and update of the account to positive status on both of their credit reports. 

Experian, however, has failed to follow suit and continues to report the item inaccurately, despite my prior disputes and the fact that the balance is no longer my legal responsibility. The FCRA mandates that any information found to be incomplete, inaccurate, or unverifiable must be removed or corrected within the 30-day investigation window under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). The fact that both other nationwide credit reporting agencies were unable to verify the derogatory information further confirms that Experian is now knowingly publishing and retaining an error.

Experians refusal to remove this late payment after such clear precedent by its peers constitutes willful negligence, and possibly a pattern of failing to meet its duties under federal 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 2025-06-26 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: NY

Complaint narrative:
Despite repeated attempts to resolve these matters, Experian continues to allow damaging inaccuracies to persist on my credit profile. These unresolved errors are more than just frustratingthey are unjust, and they are actively interfering with my ability to move forward financially. Every time I apply for a loan, a credit card, or any financial opportunity, these incorrect entries stand as barriers that I shouldnt have to face. It is unacceptable that after multiple disputes, you still havent taken the appropriate steps to ensure your data is correct. 

Under the Fair Credit Reporting Act, you are legally required to verify every single reported item with original, legitimate documentation. If you can not confirm the accuracy of these records with credible, dated evidence, then these entries have no place on my report and must be removed immediately. I am demanding that you conduct a thorough reinvestigationnot a generic response, not a rubber-stamped review, but a meaningful audit backed by proper documentation. Continued delays and inaction will be treated as a deliberate and unlawful disregard of your obligations under federal law. Ive been more than patient, but my patience has run out.

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 2025-06-26 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX # XXXX XXXX GA XXXX ACCOUNTS : XXXXXXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$5100.00} XXXXXXXX XXXX XXXXXXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$6000.00}

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 2025-06-26 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: LA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-06-26 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: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
I had to buy a new car because mine was no longer functional. My XXXX  credit report said I was negligent as a co-signer on a car loan. After several calls, I obtained the loan information and have NO relationship, nor signed the loan for XXXX XXXX. I was forced into a car loan for 20 % interest due to a XXXX credit score. The lender, Credit Acceptance, denies reporting my information to XXXX. XXXX  stands firm that the information was provided by Credit Acceptance electronically, and they are fully responsible for submitting me as negligent. Credit Acceptance : The customer care representative, XXXX XXXX, firmly denied it and said that she would not assist in resolving this. Credit Acceptance wrote the loan for XXXX XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. Their account number is XXXX. The loan originated in XX/XX/2024 for {$12000.00}. It is reported to XXXX  that I am the co-signer on this loan. This has directly affected me financially. I was forced into a car of lesser value, with more money down than I had saved, because of a 20 % loan fee from Credit Acceptance, since I'm considered high risk. I had no prior knowledge of this mark on my XXXX  Credit because I have never been able to access my record from them, and they never notified me of this black mark. Even after speaking to Experian, I am still unable to access my 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 2025-06-26 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: TX

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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 2025-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: IA

Complaint narrative:
Last direct deposit for actual paycheck from an job was XX/XX/year>. Used the Mypay feature at the time through Chime. Ended up losing said job after that and was left with a remaining balance. Today XXXX at XXXX a.m. a deposit of XXXX from a XXXX  donation was deposited into the account and immediately taken to pay off a prior owned balance of the Mypay. Mypay is for direct deposit of checks from a job. I never authorized for the funds to be used for this debt as it's not an income or wage. 1st agent XXXX sent it to customer service agent XXXX, she stated she was unable to do anything and that it's for a debt nothing can be done. I asked for a supervisor. XXXX took the call. Stated because I owed it which I stated I don't dispute the debt owed that the system automatically took those funds and nothing can be done. I explained again that the theft of those funds to pay a direct deposit debt from over 7 months ago is not correct or right and need those funds returned as they are donated funds to feed me and my homeless living in a tent and car. They refused to do anything and blamed it on the system.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: MA

Complaint narrative:
This is a formal and urgent complaint submitted under my rights as a U.S. consumer regarding serious and repeated financial harm caused by student loans serviced by XXXX ( XXXX ) and owned by the U.S. Department of Education.

Account name : DEPT OF EDUCATION/XXXX Account number : XXXX Despite my good-faith efforts, these loans have continuously damaged my credit score, contributed to economic instability, and reflect inconsistent and inaccurate data that violate multiple federal laws protecting consumers and borrowers. I demand that these loans be fully and permanently removed ( not simply deleted ) within 30 days based on the following violations and investigative findings.

Summary of Violations and Evidence of Harm : - Significant credit score decrease due to aggressive and inaccurate reporting. 
- Inconsistent data found in loan origin/open dates and statuses. 
- Obstructed access to repayment relief options. 
Applicable Legal Grounds for Immediate Loan Removal : - Fair Credit Reporting Act ( FCRA ) : Willful and negligent reporting violations ( 15 U.S.C. 1681n, 1681o ).

- Borrower Defense to Repayment : Misrepresentation and lack of full disclosure ( 20 U.S.C. 1087e ( h ) ; 34 C.F.R. 685.206 & 685.222 ).

- Higher Education Act : Authority to discharge ( 20 U.S.C. 1087 ).

- Truth in Lending Act : Potential TILA violations ( 15 U.S.C. 1601 ).

- UDAAP Violations ( Dodd-Frank Act ) : Unfair or abusive servicing practices ( 12 U.S.C. 5531, 5536 ).

Requested Relief Within 30 Days : 1. Full and permanent removal of all loans.

2. Cease negative reporting.

3. Written discharge confirmation.

4. Formal CFPB investigation into XXXXDOE . 

Attached are my credit reports, evidence of inconsistent loan information, and any correspondence related to this matter. 
This is a good-faith legal demand for immediate relief. Failure to resolve this within 30 days will prompt further legal action through the appropriate channels.

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 2025-06-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Sezzle Inc.
State: WI

Complaint narrative:
Sezzle.com has an explicit policy that bars you from using a debit card or credit card as a form of scheduled payment for their pay it in XXXX XXXX. ( Or whatever their biweekly payment structure is called, sorry ) They do allow for the initial payment using a debit card. But they bar you from making scheduled payments automatically if you don't have a bank account that is part of XXXX network setup for as a scheduled payment choice... 

for a penalty of XXXX USD or so, you can use that same debit card again to pay, but ONLY on the date that payment is due and as I said, with an included fee for chosing to use the debit card as a payment method. 

It allows you to use that debit card to load money onto your sezzle account for a XXXX fee. This method has a minimum amount you can add, XXXX USD ( plus the fee ) which is then able to be used for scheduled payments. 

im a layman, so I am not privy to the financial mechanations this or that institution might be compelled towards enacting in order to satisfy state and federal regulations and law. But I do recognize this specific circumstance as purely a set of decisions crafted under a paradigm of " exploit the exploited a bit more, nobody cares '' as goes the cliche for these types of financial services, I am sure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-06-26 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: PA

Complaint narrative:
I'm submitting this complaint against XXXXXXXX XXXX for reporting two closed and charged-off accounts ( XXXX XXXX and XXXX XXXXXXXX credit cards ) that were transferred or sold, yet are still being reported as derogatory accounts on my TransUnion and Experian credit reports. 

The accounts in question : XXXX ( XXXX XXXX ) {$0.00} balance XXXX ( XXXX XXXX ) {$0.00} balance Both were charged off and transferred, but are still showing as derogatory tradelines, which continues to damage my credit profile. I sent a formal dispute under FCRA 609 on XX/XX/year>, requesting : A copy of the original agreements A full transaction history Proof that Comenity ( or its agents ) is still authorized to report this data Verification that my fraud alert was honored under FCRA 605A I have not received any documentation or verification, yet both accounts are still listed with charged-off status, despite XXXX balances and having been sold or transferred.

This is misleading to lenders and presents a false and duplicate picture of derogatory credit activity.

Harm Ive Experienced : My credit score has been lowered by accounts that should no longer have derogatory impact Ive been denied financing due to the appearance of unresolved charge-offs Ive experienced unnecessary stress, confusion, and time spent trying to fix outdated reporting What Im Requesting : I am requesting that both accounts be immediately deleted from my credit reports because : They are not verified as required by FCRA 609 They were charged off and transferred
, and should no longer reflect as active derogatory items Comenity failed to follow fraud alert procedures as required by FCRA 605A Continued reporting of {$0.00} charged-off accounts is inaccurate and unfairly damaging Attached are my original XXXX dispute letters dated XX/XX/year>, and supporting documentation.

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 2025-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
On XX/XX/year>, I received a phone call from someone who impersonated a Bank of America representative. The individual told me that my account had been compromised and urgently needed my PIN to protect the account from fraud. Believing I was speaking to the actual bank, I provided my PIN. 

On the following day, XX/XX/XXXX, a series of unauthorized ATM withdrawals were made in Florida, while I reside in XXXX, Tennessee. The total amount withdrawn was {$2000.00}, broken down as : XXXX withdrawals of {$300.00} XXXX withdrawals of {$100.00} I did not authorize any of these transactions and do not know the person involved. When I contacted Bank of America to report the fraud and open a claim ( # XXXX ), I was eventually sent documentation including a photo of the individual who withdrew the money, a man I have never seen before. 

Despite reporting the fraud immediately and providing all available evidence, Bank of America denied my claim, stating that because the person had my PIN, they considered the transactions authorized. This is not accurate. The PIN was obtained under fraudulent and manipulative pretenses via a scam call. I did not give this individual permission to access or remove funds from my account. This is a textbook case of social engineering 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 monetary relief
Consumer complaint received 2025-06-26 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-26 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: NY

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal 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 non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
This past month Bank of America reported on my personal credit reports that I was 30-days late. Even though my balance exceeds my credit limit currently, I am in the process of obtaining the necessary capital to pay the balance in full. I have always maintained a perfect credit history, and I believe that this payment was an oversight from a pre-set automatic payment arrangement. In any event, the payment was made within the 30-day grace period and I respectfully request a professional courtesy from Bank of America and the removal of this late payment history permanently with all three major credit reporting agencies, XXXX XXXX XXXX XXXX XXXX respectfully . 

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