vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-15 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: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DOB : XX/XX/XXXX XX/XX/XXXX To : XXXX  XXXX  XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear Sir/Madam, I am writing to formally dispute inaccurate reporting regarding the account from Credit Acceptance ( XXXX ) on my credit file under the Fair Credit Reporting Act ( FCRA ). 
* * Account in Dispute * * : Creditor Name : XXXX XXXXXXXX XXXX XXXX XXXX  Account Opened : XX/XX/XXXX Reported Balance : {$31000.00} Reported Highest Balance : {$20000.00} Status : Listed as Open This account is being reported inaccurately for the following reasons : 1. Balance Misrepresentation the reported balance of {$31000.00} exceeds the reported highest balance of {$20000.00}. 
XXXX. Illegal Re-Aging the account shows late payments extending into XXXX despite no verifiable activity. 
XXXX. Improper Status Reporting account is still shown as " open '' when it should have been closed/charged off. 
XXXX. Incomplete/Conflicting Payment History no accurate or complete payment history is reflected. 
Under FCRA 609 & 611, I am requesting that you reinvestigate this account. If you can not substantiate the accuracy with proper documentation, you must delete the tradeline from my credit report immediately. 
I have enclosed a copy of my drivers license, proof of address, and a copy of my credit report with the XXXX XXXX account highlighted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DOB : XX/XX/XXXX XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear Sir/Madam, I am writing to formally dispute inaccurate reporting regarding the account from XXXX XXXX ( XXXX ) on my credit file under the Fair Credit Reporting Act ( FCRA ). 
* * Account in Dispute * * : Creditor Name : XXXX XXXX  ( XXXX ) Account Opened : XX/XX/XXXX Reported Balance : {$31000.00} Reported Highest Balance : {$20000.00} Status : Listed as Open This account is being reported inaccurately for the following reasons : XXXX. Balance Misrepresentation the reported balance of {$31000.00} exceeds the reported highest balance of {$20000.00}. 
XXXX. Illegal Re-Aging the account shows late payments extending into XXXX despite no verifiable activity. 
XXXX. Improper Status Reporting account is still shown as " open '' when it should have been closed/charged off. 
XXXX. Incomplete/Conflicting Payment History no accurate or complete payment history is reflected. 
Under FCRA 609 & 611, I am requesting that you reinvestigate this account. If you can not substantiate the accuracy with proper documentation, you must delete the tradeline from my credit report immediately. 
I have enclosed a copy of my drivers license, proof of address, and a copy of my credit report with the Credit Acceptance account highlighted.

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 2025-10-15 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-10-15 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: MI

Complaint narrative:
In XX/XX/year>, a hacker remotely accessed my computer and used my information to open a fraudulent personal loan with XXXX. I never authorized the loan or received any funds. The loan proceeds were quickly transferred to an online-only virtual bank, XXXX. XXXX. XXXX has refused to assist, claiming the application came from my IP address. The loan paperwork also contains a signature that does not match my legal name. 

On XX/XX/year>, I mailed XXXX a certified dispute package with an FTC Identity Theft Report, police report, and proof of identity. XXXX has not acknowledged receipt and continues to add interest and report the account as valid. I request CFPB help to have XXXX pause charges, stop reporting, and properly investigate under FCRA 605B and FCBA 1666.

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 2025-10-15 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: MI

Complaint narrative:
In XX/XX/year>, a hacker remotely accessed my computer and used my information to open a fraudulent personal loan with XXXX. I never authorized the loan or received any funds. The loan proceeds were quickly transferred to an online-only virtual bank, XXXXXXXX XXXXXXXX. XXXX has refused to assist, claiming the application came from my IP address. The loan paperwork also contains a signature that does not match my legal name. 

On XX/XX/year>, I mailed XXXX a certified dispute package with an FTC Identity Theft Report, police report, and proof of identity. XXXX has not acknowledged receipt and continues to add interest and report the account as valid. I request CFPB help to have XXXX pause charges, stop reporting, and properly investigate under FCRA 605B and FCBA 1666.

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 2025-10-15 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: AR

Complaint narrative:
I hope this message finds you well. I am reaching out to follow up on the correspondence I previously sent regarding an accounts that reflects a late payment. Upon reviewing my credit report, I noted an entry indicating a late payment, and I am writing to request that Experian, Equifax, and TransUnion credit bureaus correct this error promptly. It is imperative that these accounts be accurately represented on my credit report to ensure the integrity of my financial profile. Therefore, I kindly ask for your assistance in rectifying this matter. Below, I have outlined the specific details of the accounts that require 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 2025-10-15 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: FL

Complaint narrative:
Despite being paid in full, this account still displays late payment notations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: NC

Complaint narrative:
I am submitting a follow up on a previous dispute concerning an item on my credit report that I believe to be both inaccurate and unauthorized. To date, I have not received adequate validation or documentation supporting the legitimacy or accuracy of this debt. I continue to dispute the validity of the amount reported, as well as the ownership of the account. I am formally requesting that a thorough investigation be conducted. If the account can not be fully substantiated with proper documentation including proof of ownership and a full payment history I respectfully request that the item be removed from my credit file in accordance with the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: TX

Complaint narrative:
I am filing this complaint because Experian and TransUnion are reporting a XXXX late payment for XX/XX/year> on my XXXX XXXX XXXX XXXX XXXX XXXX even though that payment was officially deferred and should never have been reported as late. 

On XX/XX/year>, I signed a written extension agreement with XXXX XXXX XXXX ( attached ) that explicitly states the payment due on XX/XX/year> was deferred to the end of the contract and that no late payment or delinquency should be reported or posted to [ my ] account or any credit bureau for the XX/XX/year> due date. Despite this, both Experian and TransUnion are still reporting the payment as late. 

I submitted this documentation to all three credit bureaus. XXXX  reviewed the evidence and corrected the error, but Experian and TransUnion have refused to do so and continue to report the late payment inaccurately. 

This false reporting is negatively affecting my credit score and creditworthiness. I am requesting that the CFPB require Experian and TransUnion to correct this inaccurate information and remove the late payment from my credit reports in compliance with the Fair Credit Reporting Act.

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 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Fidelity National Information Services, Inc. (FNIS)
State: IA

Complaint narrative:
I am having a problem getting my annual consumer report from Chex Systems. I want Chex Systems to mail me a complete copy of my consumer 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 explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PENNYMAC LOAN SERVICES, LLC.
State: MO

Complaint narrative:
I'm still waiting for the short sale to go through. 
It seems like there is movement towards the short sale being successful. 
I believe this would have been completed by now if the appraisal would have been done originally in a legitimate way. 
In the Pennymac response to my previous complaint they state that they are under no obligation to do an appraisal in the same zipcode and that the appraisal was within 5 miles. The property in question is in a heavy populated metropolitan area, with plenty of neighboring comps to use.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-10-15 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:
Listed below are the Personal Information that are being challenged Incorrect Name : - XXXXXXXX XXXX XXXXIncorrect DOB : - XXXX Previous Address : - XXXX XXXX XXXX, XXXX XXXX LA XXXX XXXX : - XXXX XXXX XXXX, XXXX XXXX LA XXXX Previous Address : - XXXX XXXX XXXX, XXXX XXXX LA XXXX - XXXX Name : - XXXX XXXX XXXX below are the Accounts that are being challenged XXXX XXXX - XXXX XXXX  - XXXX - XXXX XXXX - XXXX Listed below are the Collections that are being challenged 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 2025-10-15 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:
Hi my first payment I made on this vehicle, I called in and made the payment. The agent stated the funds can be paid through my savings account, I gave them my savings account and routing and made payment. Im under the impression the payment was paid and good, when I went to make payment the next month they said I had a balance from last month, I told them I made the payment and I even produced the day and date the payment was made, they said they dont take payments using savings account, but the representative clearly stated that I can pay with the savings account. They charged me a late, note this was my first payment, I was never late since and then I paid the loan off in 9 months. This was not good business and they would not pull recordings because they knew the representative did state this.

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 2025-10-15 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: MA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.

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 2025-10-15 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Jmbcr auto stated i used their service for XXXX  XXXX. I dont acknowledge using this company for an auto.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TrueAccord Corp.
State: LA

Complaint narrative:
I regret to inform you that I am contesting any information on my credit report that lacks substantiation, in line with both the FCRA and the established Metro 2 data field reporting standard. Regrettably, I can not acknowledge or accept the allegations of delinquency and derogatoriness without proper factual documentation. I implore you to ensure that all claims are both accurate and in compliance with federal and state regulations, as it is legally mandated. Moreover, I respectfully request physical, verifiable evidence to substantiate the account 's existence and its legitimate usage. If such evidence is not provided, I earnestly ask for the removal of this account from my credit report. Furthermore, I hereby grant you authorization to send me physical documentation regarding your actions and any updates to my credit report. Your prompt attention to this matter is greatly appreciated. 

XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: FL

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : 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

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 2025-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am officially requesting the removal of this incorrect account from my credit report, as I did not authorize its creation or use. Supporting documents are enclosed to validate my dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: FL

Complaint narrative:
I am writing to formally express my concerns regarding chimes handling of disputes, particularly in the light of the recent CFPB lawsuit highlighting significant legal issues with the company. Despite using chime numerous of times and reporting discrepancies, this financial institution failed to investigate my claims adequately. I was informed that recovering lost funds was impossible and that tracking these funds was infeasible. The CFPBs findings indicate that chime has not only neglected to protect consumers but has also allowed repeat offenders to exploit their systems, leaving users bun to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: LA

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDELENT ACCOUNTS : XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX -Date Opened XX/XX/XXXX -Balance {$0.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: FL

Complaint narrative:
I am filing to formally dispute several accounts that have been inaccurately and inconsistently reported on my credit file. The information shown on these accounts differs among credit bureaus, and certain details are unverifiable or factually incorrect. As a consumer, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to request reinvestigation and permanent removal of these accounts for failure to meet accuracy and verification standards. 
The accounXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$0.00} and high balance of {$110.00}, has been listed as a Late Open Account, which is inconsistent with my actual history. This reporting is misleading and violates FCRA 15 U.S. Code 1666 ( Correction of Billing Errors ), FCRA 611 ( 15 U.S.C. 1681i ), and FCRA 623 ( a ) ( 2 ). Since this information can not be verified as accurate, I request that this account be permanently deleted from my credit report. 
The account XXXX XXXX XXXX XXXX XXXX XXXX XXXX, showing a balance of {$0.00}, a high balance of {$500.00}, and a credit limit of {$300.00}, continues to report inaccurately across multiple bureaus. The account status and date fields do not match, and this inconsistency violates the duty to maintain accurate and up-to-date information as required by FCRA 15 U.S.C. 1666, 611, and 623 ( a ) ( 2 ). I dispute this reporting and request full deletion for being unverifiable and misleading. 
Additionally, the account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX reporting a balance of {$16000.00} and listed as Late Closed, is not accurately reported and remains inconsistent among credit bureaus. This violates FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), and 605B / 15 U.S.C. 1681c-2, which collectively require furnishers to report only complete and verifiable information. Due to these discrepancies, I request that this account be permanently removed from my report.

Company response to consumer: Closed with non-monetary relief