vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-08 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: FL

Complaint narrative:
Subject : Request for Investigation and Removal of Improperly Reported Late Payments XXXX Account # XXXX From : XXXX XXXX I am filing this complaint regarding inaccurate late payment information reported on my credit report by XXXX, relating to my account # XXXX. I respectfully request that the Consumer Financial Protection Bureau investigate this matter and ensure that these inaccurate entries are removed from my credit record. 

I have consistently maintained my loan accounts in good standing and have never intentionally missed any payments. However, XXXX failed to provide me with any prior noticeno emails, text messages, phone calls, or lettersindicating that a payment was due or late. I was given no opportunity to correct or address the situation before they reported negative information to the credit bureaus. 

This lack of notice violates the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., specifically 15 U.S.C. 1692g ( a ), which requires that within five days of any initial communication regarding a debt, a written notice must be provided identifying the amount owed, the creditors name, and the consumers right to dispute the debt.

Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), furnishers of credit information, such as XXXX, are legally required to report information with maximum possible accuracy. Reporting late payments without providing notice or verification directly violates this duty of accuracy and fairness. 

Because of these violations, the late payment entries reported by XXXX are inaccurate and unjustified. I am requesting that the CFPB investigate CRIs reporting practices and require the removal of the inaccurate late payment information from my credit file. 

Attached are copies of my account information, credit report entries, and other documents supporting my claim. 

Thank you for your time and prompt attention to this matter. I look forward to your investigation and resolution. 

Sincerely, XXXX XXXX Account # : 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 2025-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: AR

Complaint narrative:
I am writing to formally express my concerns in regards to Chimes handling of disputes. Particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using chimes numerous times for years and reporting discrepancies my financial institution and chime failed to investigate or resolve my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPBS finding indicate that chime had not only neglected to protect consumers but had also allowed repeat offenders to exploit the system, leaving users vulnerable 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 2025-10-08 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: MI

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding WELLS FARGO HOMEs failure to properly verify and correct inaccurate information reported on my credit file. 
Despite my dispute, the creditor allegedly verified the account as accurate with Experian, Equifax and Transunion yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. WELLS FARGO XXXX has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported. 

WELLS FARGO HOME MOR 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 2025-10-08 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: DC

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-10-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to inform you that I have recently encountered a data breach that has compromised my personal information. This incident has caused significant concern regarding the security of my sensitive data. Consequently, fraudulent accounts and debts have been established under my name. I would appreciate it if you could consider this situation while reviewing my credit report and take appropriate actions to rectify any inaccuracies or fraudulent activities.

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 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I woke up trying to log into my citi account and it wouldnt work so I called citi bank to find out what went wrong and they told me they closed my account no reasoning behind that and they are holding my remaining fund. After doing research I see citi bank has done this to multiple people within the timespan on XXXX months.

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 2025-10-08 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS 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 ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-10-08 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS 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, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
I am writing to formally express my concerns regarding XXXX 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lacks of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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 disputing inaccurate information on my credit report. It lists addresses at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX, and XXXX XXXX XXXX, XXXX, TX XXXX XXXX neither of which are mine, violating 15 U.S.C. 1681e ( b ). Disputed accounts include Collection : XXXX XXXX {$540.00}, XXXX XXXX XXXX XXXX  {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$7500.00} ( 1099-C ), and Inquiry : XXXX XX/XX/year>. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 1681s-2 ( b ), I am entitled to a reasonable reinvestigation, and furnishers must report accurately. 1681c-2 protects me from reporting of inaccurate or unverifiable info. These inaccuracies confuse and harm my financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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 am disputing inaccurate information on my credit report. It lists addresses at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX, and XXXX XXXX XXXX, XXXX, TX XXXX XXXX neither of which are mine, violating 15 U.S.C. 1681e ( b ). Disputed accounts include Collection : XXXX XXXX {$540.00}, XXXX XXXX XXXX XXXX  {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$7500.00} ( 1099-C ), and Inquiry : XXXX XX/XX/year>. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 1681s-2 ( b ), I am entitled to a reasonable reinvestigation, and furnishers must report accurately. 1681c-2 protects me from reporting of inaccurate or unverifiable info. These inaccuracies confuse and harm my financial standing.

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 2025-10-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-10-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
Resurgent a company that buys out debt case or XXXX as garnished my wages for an account I am not responsible for and have no acknowledgment of. I have attempted to obtain any documents that are available and have been given XXXX. I want and would like this stopped and taken of my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Meritize Financial Inc.
State: NJ

Complaint narrative:
In XX/XX/XXXX, I was recruited by Noveo ( XXXX XXXX XXXX ) for a job training program that promised reimbursement of tuition after employment. I was directed to take out a XXXX loan to cover the training. The program was misleading, and no real job placement occurred. I contacted XXXX around early XX/XX/XXXX asking to pause my loan because I am a plaintiff in an active lawsuit ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) regarding this false advertising. XXXX replied that they could not pause the loan and told me to contact XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: MA

Complaint narrative:
This complaint serves as my follow-up dispute regarding inaccurate and unverifiable information that continues to appear on my credit report despite previous investigations. I am formally requesting permanent deletion, not correction, of the following items that remain in violation of the Fair Credit Reporting Act ( FCRA ). 
My report lists an inaccurate address : XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX. I have never resided at or used this address in connection with any credit account. The continued presence of this incorrect address is a violation of the FCRA, which requires that only accurate and verifiable information be included in a consumers file. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they know or should know is inaccurate. Additionally, FCRA 611 ( a ) requires a reasonable reinvestigation when a consumer disputes the accuracy of an item, and FCRA 607 ( b ) mandates that credit reporting agencies maintain maximum possible accuracy in all information they report. Therefore, this address must be permanently deleted from my credit file. 
My file also shows a XXXX XXXX Account with XXXX ( Account XXXX XXXX XXXX XXXX XXXX XXXX ) reporting a balance of {$5400.00} with late payments in XX/XX/year> ( XXXX days ) and XX/XX/year> ( XXXX XXXX XXXX XXXX XXXX This reporting is inaccurate and not reflective of the true status of the account. Under FCRA 611 ( a ), any disputed information that can not be verified after a reinvestigation must be deleted. FCRA 623 ( a ) ( 1 ) ( A ) further prohibits furnishers from reporting data that is known or should be known to be inaccurate, while FCRA 607 ( b ) requires the credit bureau to ensure the informations accuracy. In addition, under FCRA 605B ( 15 U.S.C. 1681c-2 ), unverifiable or erroneous data must be permanently removed or blocked from being reported.

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 2025-10-08 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: PA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: CA

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

Company response to consumer: Closed with explanation