vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-16 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: GA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MoneyLion Inc.
State: GA

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: VA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: GA

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: NV

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: PA

Complaint narrative:
My card was charged for multiple charges I did not make. I contacted chime to file a claim and get my money back. I submitted a police report and emails from the merchants claiming that the charges were fraudulent. Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : Debit - Unauthorized Transaction Date Error Reported : XXXX Claim Amount : {$520.00}. Within XXXX day chime denied my dispute have not submitted the documents I requested. They have denied previous claims in the past and I am hiring an attorney to file a lawsuit. Another claim that was denied is XXXX. I will be filing a lawsuit against chime for not investigating properly and denying my claims without proper investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Upstart Holdings, Inc.
State: TX

Complaint narrative:
I am requesting the description of reinvestigation procedure according to 15 USC 1681i ( 7 ) states if requested by consumer, this must be provided within 15 days in order to be in compliance with FCRA guideline and remove account from my credit report for failing to furnish validation of debt with required requested documentation. This appears multiple times and has differing information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: GA

Complaint narrative:
This is a formal and final notice disputing inaccurate and harmful information being reported on my credit file. This dispute is submitted directly by me, the consumer, and is fully supported by attached documentation. 
I will not accept a generic or automated response. I expect a full reinvestigation conducted in good faith and in full compliance with the Fair Credit Reporting Act ( FCRA ). 
Item ( s ) in Dispute : XXXX. XXXX Account Number : 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 2025-11-16 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 formally disputing the materially false late-payment information reported on my XXXX XXXX  account ( Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). This account is fully paid off, closed in good standing, and has never been delinquent, yet late payments are being reported without any notice ever being provided to me, in violation of FCRA 1681s-2 ( a ) ( 7 ). The reporting of this false derogatory information violates the Fair Credit Reporting Act, including 1681e ( b ) ( maximum possible accuracy ), 1681i ( a ) ( duty to reinvestigate and delete inaccurate information ), and 1681s-2 ( a ) ( 1 ) ( A ) and 1681s-2 ( b ) ( furnishers duty not to report or continue reporting inaccurate information ). Because the derogatory mark is unverified, inconsistent with the accounts true status, and was reported without legally required consumer notification, I am demanding immediate deletion of the inaccurate late payment from all credit bureaus. If this matter is not resolved promptly and in compliance with the XXXX statutory timelines, I will pursue all available legal remedies, including filing formal complaints with the CFPB, Attorney General, and seeking civil damages for willful noncompliance under FCRA 616617.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 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: NY

Complaint narrative:
I am formally disputing the materially false late-payment information reported on my XXXX XXXX  account ( Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). This account is fully paid off, closed in good standing, and has never been delinquent, yet late payments are being reported without any notice ever being provided to me, in violation of FCRA 1681s-2 ( a ) ( 7 ). The reporting of this false derogatory information violates the Fair Credit Reporting Act, including 1681e ( b ) ( maximum possible accuracy ), 1681i ( a ) ( duty to reinvestigate and delete inaccurate information ), and 1681s-2 ( a ) ( 1 ) ( A ) and 1681s-2 ( b ) ( furnishers duty not to report or continue reporting inaccurate information ). Because the derogatory mark is unverified, inconsistent with the accounts true status, and was reported without legally required consumer notification, I am demanding immediate deletion of the inaccurate late payment from all credit bureaus. If this matter is not resolved promptly and in compliance with the XXXX statutory timelines, I will pursue all available legal remedies, including filing formal complaints with the CFPB, Attorney General, and seeking civil damages for willful noncompliance under FCRA 616617.

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 2025-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XXXX amount {$1600.00} i did not open this account. identity theft

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Harpeth Financial Services, LLC
State: AR

Complaint narrative:
I received a mailer from Advance Financial offering a XXXX XXXX of up to XXXX dollars. This arrived in mid XX/XX/year>. I never applied for a loan, never requested information, and I previously opted out of receiving these kinds of prescreened offers. Yet the company continues sending unsolicited loan advertisements. 

Their marketing pushes high-interest credit as if its a gift, but I never invited it. Ive taken proper steps to stop these communications, but the mail persists. Their behavior feels intrusive and dismissive of my rights to opt out. 

I consent to having this description published after removal of personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I called asking why my rates were so high and what I can do to lower them and what program they have available to help me they only can freeze the use on the card

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: AR

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
JPMCB Card allowed someone to open a credit card account in my name without my authorization. I did * * not * * apply for this credit card, and I did * * not * * give permission for anyone to open it. 

I became aware of this issue on * * [ insert date you discovered it ] * * when I saw the account on my credit report or received a notice regarding the account. I have not initiated or approved any actions related to this account. 

This appears to be an unauthorized or fraudulent account, and I am reporting it so the issue can be investigated and corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
On Friday XX/XX/14 I was a victim of a sim swap scam resulting all my XX/XX/XXXXXXXX funds were transferred to a different account that was created in my name. They proceeded to open a CashApp account in my name which was unauthorized and now CashApp is not closing my account and will take up to XXXX business days to investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: NJ

Complaint narrative:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$150.00} XXXX # XXXX XX/XX/XXXXXXXX XXXX  {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$390.00}

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 2025-11-16 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: GA

Complaint narrative:
I am a victim of identity theft, this account was created and reported without my knowledge please remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
The term " investigate consumer report * means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This letter attached serves as a formal dispute regarding an unauthorized credit inquiry that remains on my TransUnion credit report under the name XXXX XXXX XXXX XX/XX/XXXX XXXX As confirmed in the attached official letter dated XX/XX/XXXX, XXXXXX/XX/XXXX has already requested removal of the unauthorized inquiry from all major credit bureaus on two separate occasions first on XX/XX/XXXX, and again on XX/XX/XXXX. Despite these official deletion requests, the inquiry remains on my TransUnion credit file. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681b and 1681i ), a credit bureau must ensure that only inquiries with a permissible purpose appear in a consumers report and must promptly correct or delete inaccurate, incomplete, or unverifiable information. Because XXXX Bank has verified in writing that the inquiry was unauthorized and requested its deletion, you are legally obligated to remove it immediately. I am requesting : 1. Immediate permanent deletion of the unauthorizedXX/XX/XXXX inquiry from my TransUnion credit file. 2. Written confirmation of removal, or documentation showing a lawful permissible purpose, within 30 days of receipt of this notice as required by FCRA 611 ( a ). Please update your records and mail confirmation to the address above.

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 2025-11-16 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: FL

Complaint narrative:
Noticed on my credit report these account was in the negatives. This could not have been me due to the fact I was incarcerated from XXXX Following account are XXXX  XXXX XXXX, Credit Acceptance 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 2025-11-16 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: CT

Complaint narrative:
Experian is refusing to do proper investigation to update my credit history and then not allowing me to file a new dispute because they said I already file a dispute and already resolve the issue, but the issue was not resolved because I have proof that can show the payment was made, but that account was never updated

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 2025-11-16 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: IL

Complaint narrative:
Experian illegally reinserted a deleted XXXX  XXXX charge-off ( Account XXXX XXXX ) without providing the required 5-day written reinsertion notice under FCRA 611 ( a ) ( 5 ) ( B ) ( ii ). No furnisher certification, contract, or validation was provided. The reporting is inaccurate and unverifiable. I am demanding full removal.

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