vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX XX/XX/2025 Credit Collection Service XXXX XXXX XXXX XXXX, XXXX  XXXX Re : Account Number XXXX XXXX XXXX XXXX XXXX Amount : {$300.00} To Whom It May Concern, I am writing in response to your communication dated XX/XX/2025 regarding an alleged debt tied to account number XXXX XXXX XXXX XXXX XXXX Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I request that you validate this debt.

Specifically, please provide in writing : The name and address of the original creditor and the current creditor. 

The original account number and your account reference number. 

An itemized statement showing the principal balance, interest, fees, and total amount claimed. 

A copy of the original contract or agreement that I signed. 
Documentation proving you are authorized and licensed to collect debt in Georgia. 

Verification of the date the debt was incurred, the date of last payment, and any judgments ( if applicable ). 
I am disputing the validity of this debt and request that all collection activity ceaseincluding contacting me and reporting to credit bureausuntil you provide the requested validation. If you do not validate this debt within 30 days of receipt, you must stop all collection efforts and delete any reporting to credit bureaus related to this account. 

Once I receive validation, I will review the information and respond accordingly. Until then, I consider this debt to be disputed. 

Please send all correspondence to the address above via certified mail. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX 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 2025-07-14 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:
I am following up on my recent dispute regarding the inaccurate late payment reporting on my XXXX student loan accounts. Thank you for partially updating the accounts to show Pays As Agreed and {$0.00} past due however, your update did not fully resolve the issue. 

Your own reinvestigation results dated XX/XX/XXXXXXXX  show that the historical account status grid for these XXXX accounts still includes a 3 code for XX/XX/XXXXXXXX, reflecting a 90-day late, even though the current status is now Pays As Agreed and Deferred. 


My student loans were in approved XXXX XXXX through XX/XX/XXXX, with a retroactive forbearance covering the federal on-ramp period. Therefore, no payments were due, and no delinquency could legally exist for XX/XX/XXXX. 

Under FCRA 607 ( b ) and 611, you are required to ensure that all information is accurate and complete including the historical payment grid. Leaving an impossible 90-day late mark in the history contradicts the deferment status and continues to suppress my credit score unfairly. 

NY XXXX XXXX also requires that inaccurate information must be deleted from any consumer report when it is shown to be unverified or inaccurate the historical data must match the correct current status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: TX

Complaint narrative:
My Chime account was shut down without notification, the day after I was paid. I lost all of the funds, which were a payment from my employer. The closure of my account came without any prior warning or explanation. I believe my account and funds were stolen. I am demanding access to my funds so that I can pay my bills. It seems the money is there but they won't give it to me, and it's not my fault, and I demand that they do so. I also want a reasonable explanation for closing my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2025-07-14 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: EQUIFAX, INC.
State: GA

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX. ( a ) ( XXXX ) XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/year>2017 - {$7800.00}

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 2025-07-14 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: NJ

Complaint narrative:
I am filing a formal complaint against XXXX Bank Delaware ( XXXX ) for making an unauthorized hard inquiry on my credit report dated XX/XX/2025. 

I did not apply for any credit, initiate any transaction, or authorize XXXX to access my consumer report. Therefore, they had no permissible purpose under the Fair Credit Reporting Act ( XXXX  ) to obtain my credit file. 

Their actions violate multiple federal laws : FCRA XXXX ( a ) No permissible purpose for accessing a consumer report. 

FCRA XXXX ( a ) Obtaining information under false pretenses is a federal violation, punishable by fines and/or imprisonment. 

XXXX U.S.C. XXXX XXXX of my personal identity without consent may qualify as aggravated identity theft. 

I have already issued a notice and demand for settlement directly to XXXX, requesting a {$1000.00} resolution under FCRA XXXX ( a ) ( XXXX ) ( B ). If no payment or correction is made, I will pursue additional remedies and legal action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I am filing a formal complaint against Barclays Bank Delaware ( XXXX  ) for making an unauthorized hard inquiry on my credit report dated XX/XX/year>2025. 

I did not apply for any credit, initiate any transaction, or authorize Barclays to access my consumer report. Therefore, they had no permissible purpose under the Fair Credit Reporting Act ( FCRA ) to obtain my credit file.

Their actions violate multiple federal laws : FCRA 1681b ( a ) No permissible purpose for accessing a consumer report.

FCRA 1681n ( a ) Obtaining information under false pretenses is a federal violation, punishable by fines and/or imprisonment.

18 U.S.C. 1028A Use of my personal identity without consent may qualify as aggravated identity theft.

I have already issued a notice and demand for settlement directly to Barclays, requesting a {$1000.00} resolution under FCRA 616 ( a ) ( 1 ) ( B ). If no payment or correction is made, I will pursue additional remedies and legal action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AR

Complaint narrative:
I filed for Chapter XXXX bankruptcy on XX/XX/XXXX, and it was dismissed on XX/XX/XXXX. Infiniti Financial Services reported my account as charged off and {$27000.00} past due while I was still under the protection of the automatic stay, which is a violation of 11 U.S.C. 362. When I contacted them ( they always transfer to me to the collateral department ), they repeatedly stated that bankruptcy protections dont matter and that they could report and charge off the account anyway regardless even though my trustee held the funds and the bankruptcy was not dismissed until XX/XX/XXXX. I had no control over how the trustee handled funds and Infiniti would not take direct payment from me during the time and stated they would have to receive payment from trustee. This is a willful misrepresentation of bankruptcy law and a violation of the automatic stay ( 11 U.S.C. 362 ), and misleading under the Fair Credit Reporting Act. 

After dismissal, XXXXnfiniti mailed me a letter dated XX/XX/XXXX, demanding {$4500.00} by XX/XX/XXXX or they would repossess my vehicle. I paid the full amount on XX/XX/XXXX. I then paid my XXXX car note on XX/XX/XXXX, and XXXX car note on XX/XX/XXXX ( this payment took longer because of XXXX XXXX through my bank... they mail the check ). I have continued to make monthly payments in full and on time. 

Despite this, Infiniti is still reporting the account as charged off with a large past due balance, and continues to reflect the account negatively even though I am actively paying. This is false, misleading, and damaging. They only recently updated the reporting after I disputed with Experian, which tells me they had no intention of correcting the account voluntarily.

This reporting is inaccurate under the FCRA and reflects retaliatory and unfair behavior from Infiniti. I am requesting immediate correction or deletion of the tradeline from all credit bureaus.

I want the charge-off removed, the past due balance corrected to {$0.00}, and the account shown as current and paid as agreed. If Infiniti can not accurately report the status, I request that the tradeline be deleted from all credit bureaus. I will take legal matters into consideration if this is not corrected. This experience has caused emotional distress. Despite my good faith payments and efforts to resolve the matter, I feel targeted, ignored, and retraumatized. The way Infiniti has handled this feels discriminatory, emotionally abusive, and financially damaging. I am being punished when I have acted in ONLY GOOD FAITH.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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 carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: FL

Complaint narrative:
Sent letters for negative items to removed from my report and to provide proof of verification it belongs to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the FCRA to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate information on my credit report unresolved. The CFPB has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where Experian has neither corrected nor removed disputed items despite the evidence I provided in my dispute, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violated federal law and my rights as a consumer

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY TO REPORT XXXX ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: RI

Complaint narrative:
This is a complaint about XXXX XXXX credit reporting practices, not their banking services. 

They continue to report monthly late payments AFTER the account was charged off, which is a violation of the Fair Credit Reporting Act ( FCRA ). A charged-off account should not continue to show monthly delinquencies. This is considered re-aging, which unfairly hurts my credit and is prohibited under federal law.

I am requesting the CFPB investigate this credit reporting violation. Please do not forward this to the Federal Reserve, as this is not a banking services complaint it concerns credit bureau reporting behavior, which is governed by the FCRA and falls under the CFPBs jurisdiction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: SC

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your XXXX  uses to confirm the accuracy of disputed items on my credit report. 

Under the XXXX XXXX XXXX XXXX ( XXXX ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your XXXX uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the XXXX and I expect full compliance with this request. If you can not provide verifiable proof for these items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: TN

Complaint narrative:
I recently received a copy of my credit report andnobiced several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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 formally escalating my previous dispute regarding inaccurate late payment reporting on my XXXX student loan accounts. 
This dispute specifically concerns the false reporting of a 90-day delinquency for XX/XX/XXXX, despite my loans being in an approved In-School Deferment from XX/XX/XXXX, through XX/XX/XXXX, and covered by a Retroactive Forbearance for the on-ramp period. These protections are clearly documented in my attached letter According to my records : I have been continuously enrolled, and XXXX approved my XXXX XXXX through XX/XX/XXXX. 
XXXX also issued a Retroactive Forbearance letter dated XX/XX/XXXX, stating that any missed payments during the on-ramp period would not be reported as delinquent. 
I first raised this dispute in XX/XX/XXXX, when my XXXXTransUnion reports reflected incorrect late payments for XXXX and XX/XX/XXXX. 
After my dispute, the reporting changed but instead of removing the false lates, the bureaus and XXXX shifted the derogatory mark to XX/XX/XXXX as 90 days late. 
This is mathematically impossible and legally impermissible : No payments were due during the deferment and forbearance periods, so there can be no late payments.

If I first disputed this in XX/XX/XXXX, there is no factual basis to claim I was 90 days late for XX/XX/XXXX you can not become 90 days late in one month.

This re-dating tactic violates the Fair Credit Reporting Act ( FCRA 607 ( b ) and 611 ) because it knowingly continues to report false derogatory information.

Under both FCRA 611 and NY General Business Law 380-f, once information is shown to be inaccurate, the bureau must promptly expunge the false data and refrain from reporting the item in subsequent consumer reports. Simply moving the late to a different month is not a valid reinvestigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: NY

Complaint narrative:
I am formally escalating my previous dispute regarding inaccurate late payment reporting on my XXXX student loan accounts. 
This dispute specifically concerns the false reporting of a XXXX delinquency for XX/XX/XXXX, despite my loans being in an approved In-School Deferment from XX/XX/XXXX, through XX/XX/XXXX, and covered by a Retroactive Forbearance for the on-ramp period. These protections are clearly documented in my attached letter According to my records : I have been continuously enrolled, and XXXX approved my In-School Deferment through XX/XX/XXXX. 
XXXX also issued a Retroactive Forbearance letter dated XX/XX/XXXX, stating that any missed payments during the on-ramp period would not be reported as delinquent. 
I first raised this dispute in XX/XX/XXXX, when my Experian/Equifax/TransUnion reports reflected incorrect late payments for XXXX and XX/XX/XXXX. 
After my dispute, the reporting changed but instead of removing the false lates, the bureaus and XXXX shifted the derogatory mark to XX/XX/XXXX as 90 days late. 
This is mathematically impossible and legally impermissible : No payments were due during the deferment and forbearance periods, so there can be no late payments. 
If I first disputed this in XX/XX/XXXX, there is no factual basis to claim I was 90 days late for XX/XX/XXXX you can not become 90 days late in XXXX month. 
This re-dating tactic violates the Fair Credit Reporting Act ( FCRA 607 ( b ) and 611 ) because it knowingly continues to report false derogatory information.

Under both FCRA 611 and NY General Business Law 380-f, once information is shown to be inaccurate, the bureau must promptly expunge the false data and refrain from reporting the item in subsequent consumer reports. Simply moving the late to a different month is not a valid reinvestigation.

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