vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 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: NC

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
RE : FORMAL FCRA DISPUTE FULL REINVESTIGATION & DELETION OF UNVERIFIABLE ACCOUNTS To Whom It May Concern, I am formally disputing several entries appearing on my TransUnion consumer credit file. Under my rights granted by the Fair Credit Reporting Act ( FCRA ), I am requesting a full reinvestigation and deletion of any inaccurate, incomplete, or unverifiable items in accordance with federal law. 

DISPUTED ACCOUNTS XXXX. XXXX XXXX - Reporting as a charge-off/collection - Reports inconsistently across bureaus - No original contract or documentation validating liability REQUEST : Delete due to unverifiable and inaccurate reporting ( FCRA 611 ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) - Third-party collection account - No contract, signature, or direct billing provided - Credence is not the original creditor and can not validate permissible purpose REQUEST : Delete due to lack of permissible purpose and failure to validate ( FCRA 604 ) DISPUTED HARD INQUIRIES I am requesting a reinvestigation of ALL hard inquiries not initiated by me. Under FCRA 604, any inquiry that can not be proven to have a permissible purpose or written authorization must be removed.

FCRA SECTIONS INVOKED FCRA 611 Full reinvestigation FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) Method of Verification ( MOV ) FCRA 611 ( a ) ( 1 ) 30-day reinvestigation requirement FCRA 602 ( A ) Requirement for accurate and verifiable reporting FCRA 604 Permissible purpose requirement for inquiries IDENTITY DOCUMENTS INCLUDED I have enclosed the following identification documents : Government-issued ID ( front & back ) Proof of address Social Security verification ( XXXX ) REQUEST Please complete the reinvestigation and provide updated results as well as an updated copy of my TransUnion credit file upon completion.

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 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: IL

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Affirmative Law, PC
State: AZ

Complaint narrative:
I am disputing the collection account with XXXX XXXX AFFIRM INC - XXXX XXXX XXXX XXXX XXXX -,. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX XXXX XXXX, XXXX, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-19 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: PA

Complaint narrative:
I am writing to dispute the inaccurate reporting of the status on the above-referenced account. I am not disputing the account itself, only the current status that is being displayed, which is incorrect. 

My credit report is showing : Payment Status : Collection/Charge-off Account Status : Paid Balance : {$0.00} Because the balance is paid in full and the account was closed on XX/XX/year>, the account can not accurately be reported as a current collection/charge-off. 

Under the Fair Credit Reporting Act ( FCRA ) 607 ( b ), all information reported must be accurate and not misleading. Reporting a current Collection/Charge-off status on a paid and closed account is both inconsistent and misleading.

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 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: PA

Complaint narrative:
Received a text message saying they were on behalf of the XXXX XXXX. From Harris & Harris? 
Looked it up saw its call " smishing '' and I was supposed to report it. They gave a bunch of links and a phone number. XXXX And the link im not clicking on.

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 2025-11-19 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: FL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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:
This correspondence is submitted as my formal dispute of the referenced accounts. I did not authorize or open them and have no affiliation with them. I request their prompt removal and a full review. Supporting documents are attached.

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 2025-11-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Rosebud Economic Development Corporation
State: TX

Complaint narrative:
I received a loan from XXXX on XX/XX/year>. I made the first payment of {$70.00} on XX/XX/year>. The next payment was made on XX/XX/year> in the amount of {$120.00}. Lastly a payment was made on XX/XX/year> in the amount of {$120.00}. These payments total out to {$320.00}. However when I check my account, its saying I still owe {$370.00}. I called the company, and was told that I chose to pay only {$10.00} to the principal and the rest went to fees and interest. I explained that I never chose that, and I would never agree to such a thing! She stated the only other option would be to pay the balance in full, which would still be unacceptable, considering the face Ive already paid {$320.00} back! If so paid the full balance off, that would bring me to a payback amount of {$690.00}, thats roughly 173 % interest rate which is completely unacceptable and illegal! If you could please looking into this and help me, Id greatly appreciate it. Thank you.

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 2025-11-19 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:
Dear Sir/Madam, I am disputing inaccuracies on my Experian credit report. The following accounts contain discrepancies that violate the Fair Credit Reporting Act ( FCRA ), and I request that you investigate these issues. 
FCRA Violations : XXXX. Incomplete or Inaccurate Information : Several accounts are reporting incomplete data, violating Section 1681e ( b ) of the FCRA.

2. Data Breach Concerns : Some accounts reflect data inaccuracies, violating Section 1681c of the FCRA.

3. Failure to Investigate Disputes : Accounts marked as " disputed '' have not been investigated within the required 30-day period, violating Section 1681i of the FCRA. 
Disputed Accounts on Experian Report XXXX. XXXX o Account Type : Revolving o Account Status : Positive o Discrepancies : Incorrect payment status. 
XXXX. XXXX XXXX XXXX XXXX Account Type : Installment o Account Status : Positive o Discrepancies : Incorrect balance reporting. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) o Account Type : Collection o Account Status : Negative o Discrepancies : This account is settled but is still showing as unpaid. 
XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  o Account Type : Collection o Account Status : Negative o Discrepancies : Marked as " disputed '' and " charged off. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX  o Account Type : Collection o Account Status : Negative o Discrepancies : Incorrectly reported as " charged off. '' XXXX of XXXX : Enclosed are my ID and proof of address to verify my identity

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Re-investigation complaint. I do not agree with the action regarding the account listed below. 
Account # XXXX XXXX XXXX investigation on my first dispute by Equifax, TransUnion and Experion.i would like this account immediately reinvestigated. These inaccuracies are highly injurious to my credit report rating. Furthermore in accordance with the Fair Credit Reporting Act, Public Law 91-506 Title VI Section 611 Subsection A-D please provide names and business addresses of each individual with how you verified the above. Please forward updated credit report. Your cooperation and prompt attention is greatly appreciated.

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 2025-11-19 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: NJ

Complaint narrative:
I have noticed that there is a fraud account from XXXX  XXXX XXXX, which does not belong to me. I reported about that to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is not removing this fraudulent account. XXXX XXXX XXXXXXXX has no right to refuse to remove this fraudulent account because I am a victim of identity theft, and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt.

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 2025-11-19 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: OR

Complaint narrative:
THE REPORTING AGENCY HAS DEMONSTRATED A PATTERN OF SYSTEMIC NEGLIGENCE AND FAILURE TO MAINTAIN REASONABLE COMPLIANCE PROCEDURES AS REQUIRED UNDER 15 U.S.C. 1681E ( A ) AND 1681E ( B ). IT IS CLEAR THAT THIS ENTITY DOES NOT HAVE ADEQUATE INTERNAL CONTROLS, AUDIT TRAILS, OR SUPERVISORY PROCEDURES IN PLACE TO ENSURE LEGAL ACCURACY AND COMPLIANCE.

THE AGENCYS RESPONSES TO DISPUTES ARE AUTOMATED, UNSUBSTANTIATED, AND DEVOID OF HUMAN REVIEW INDICATING THAT NO REASONABLE INVESTIGATION OCCURRED. SUCH AUTOMATION, WHEN IT RESULTS IN THE CONTINUED REPORTING OF KNOWN INACCURACIES, AMOUNTS TO RECKLESS NONCOMPLIANCE AND BAD FAITH OPERATION UNDER THE FCRA.

MOREOVER, THERE IS NO EVIDENCE THAT THE AGENCY HAS PROVIDED TRAINING OR OVERSIGHT TO PERSONNEL RESPONSIBLE FOR HANDLING CONSUMER DISPUTES, NOR HAS IT IMPLEMENTED ADEQUATE SAFEGUARDS TO PREVENT REPEATED ERRORS OR IMPROPER DATA HANDLING. 

THIS PATTERN OF NONCOMPLIANCE VIOLATES THE CORE PRINCIPLES OF CONSUMER PROTECTION, FAIR DATA USE, AND DUE PROCESS AND DEMONSTRATES A DELIBERATE FAILURE TO UPHOLD FEDERAL REPORTING STANDARDS.

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 2025-11-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harris & Harris, Ltd.
State: VA

Complaint narrative:
Hello, Thank you for your response to my previous complaint. I am submitting this follow - up response because the documents Harris & Harris uploaded does not satisfy my request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ).

1. The documents you'll provided does not validate the debt. You'll provided a collection notice from Harris & Harris and XXXX billing statements from early XXXX. 

You'll did not provide the below : - A signed contract or service agreement between myself and Harris & Harris - XXXX of the legal assignment of the debt to Harris & Harris 2. The XXXX bills are dates XXXX, but the collection was not reported until XXXX. This is a serious concern about re-aging, which is a violation of the Fair Credit Reporting Act ( FCRA ). If the original Date of First Delinquency was in XXXX, the debt should have not been reported as a new collection in XXXX under the FCRA. XXXX XXXX is not reporting this trade-line to the bureaus. The only party reporting this debt is Harris & Harris which I did not enter a contract with. 

XXXX. Because your company did not provide legally required validation and the reporting is inaccurate, the account should not continue to be reported. 
Request Resolution : I respectfully request under this CFPB complaint that Harris & Harris provides the below : - A complete, legally compliant validation of the debt OR - Delete the collection trade-line from all credit bureaus due to failure to validate and re-aging concerns. 

I paid this collection XXXX of XXXX to stop all collection activities but if the above information can not be provided please stop reporting this invalidated debt to the credit bureaus. 

Thank you for your assistance. 

Best Regards, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: OK

Complaint narrative:
Chime took {$48.00} from my account on XXXX XXXX without any prior notice, consent, or disclosure. This deduction was labeled as repayment for a XXXX XXXX  from earlier this year ( XXXX ), but Chime never informed me that I owed any repayment. They never emailed me, never showed any alerts, and never displayed any in-app message for months explaining that I still owed a balance. 

I contacted customer service multiple times. Agents gave inconsistent explanations. Some claimed there was a new update that allows Chime to collect old XXXX balances automatically, even though this capability did not exist earlier in the year. Others denied the update existed and instead claimed the recent deposit from my mother was eligible, even though I had deposited funds into my Chime account multiple times since XXXX without repayment ever occurring. 

The repayment process was not transparent, and I never received proper notice. If the company added a new repayment system or changed how XXXX balances are collected, I should have been notified through email or required to accept new terms. No such notice was given. 

Customer service refused to reverse the transaction, even though the funds taken ( {$48.00} ) were my last available money. The representatives repeated scripted responses, denied escalation to supervisors, and refused to provide documentation of the supposed notice or eligibility criteria.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: FL

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit repor

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: GA

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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