vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 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:
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 explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Il XXXX To Whom It May Concern : I am writing in response to your communication, dated [ Insert Date of their letter/call ], regarding the alleged debt identified by the account number referenced above.

Be advised that this letter is not a refusal to pay, but a formal notice that your claim is disputed and validation is requested, pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ). Until this debt is fully validated, all collection activities must cease.

Furthermore, I am explicitly asserting my rights under federal law regarding the privacy and use of my personal information. I demand strict compliance with the following statutes : - 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act ) : You are hereby notified that you may not disclose my nonpublic personal information to any nonaffiliated third party, except as permitted by law. Any unauthorized disclosure may be considered a violation of the GLBA. 
- 15 U.S.C. 1681b ( Fair Credit Reporting Act ) : I remind you that a consumer report can only be furnished for a " permissible purpose ''. An impermissible pull of my credit report ( e.g., without a legitimate business need in connection with a transaction or account review ) could violate the FCRA. 
- 18 U.S.C. 1028A ( Aggravated Identity Theft ) : My identity and means of identification are protected under federal criminal law. Any knowing transfer, possession, or use of my means of identification without lawful authority, during and in relation to a felony, could constitute aggravated identity theft. The serious penalties associated with this statute emphasize the need for rigorous verification on your part to ensure this communication and debt are not the result of identity fraud. 

I require competent evidence and validation of the alleged debt, including : A copy of the original signed contract or agreement that created the debt and explicitly authorizes your agency to collect it. 
An itemized statement detailing the principal amount, all interest, and any other fees or charges from the original creditor. 
Proof that you are a licensed collection agency in my state. 
The name and address of the original creditor. 
If you have already reported this account to any consumer reporting agency XXXX XXXX XXXX XXXX XXXX XXXX, you must immediately inform them that the debt is disputed, as required by law. 
I expect a response and the requested documentation within 30 days. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: AZ

Complaint narrative:
b'I am sending this complaint in  pursuant to my rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA) to dispute multiple inaccuracies reporting on my credit file. After reviewing my report, I identified several items that are inaccurate, unauthorized, unverifiable, or the result of a mixed file, all of which are negatively impacting my creditworthiness.\nAdditionally, I have been affected by multiple national data breaches large-scale incidents that exposed consumer data nationwide. Because of this, it is critical that my credit report contain only accurate and fully verifiable informationXXXX 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 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 XXXXThese items violate FCRA 607(b) (failure to ensure maximum possible accuracy) and must be deleted promptly.\nUnder federal law, I am requesting:\n\tThe original signed contract\n\tBilling statements\n\tTreatment records\n\tAll documentation used for verification\nIf the furnisher cannot produce valid documentation containing my signature, this account must be deleted immediately under FCRA 611(a)(5)(A).\nRequested Action (Required Under Federal Law)\nUnder FCRA  605B, 607(b), 611, and FDCPA requirements, I am requesting that CFPB:\n Conduct a reasonable reinvestigation\n Block and delete any identity theftrelated or unauthorized information\n Remove all unverifiable, inaccurate, or mixed-file data\n Provide written results of the reinvestigation\n Provide copies of ALL documentation used to verify disputed items (per FCRA 609(a))\nIf any furnisher cannot provide legally valid documentation including signed contracts, billing statements, or proof of permissible purpose the information must be deleted, not updated.\nApplicable Federal Statutes\n\tFCRA 605B (15 U.S.C. 1681c-1)  Right to block identity theft and unauthorized information\n\tFCRA 607(b)  Duty to ensure maximum possible accuracy\n\tFCRA 609(a)  Right to receive verification documentation\n\tFCRA 611  Right to dispute and receive a reasonable reinvestigation\n\tFCRA 623(a)(1)(A)  Furnishers may not report inaccurate information\n\tFDCPA 807809  Prohibits false, deceptive, or unverifiable collection activity'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: AZ

Complaint narrative:
b'I am sending this complaint in  pursuant to my rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA) to dispute multiple inaccuracies reporting on my credit file. After reviewing my report, I identified several items that are inaccurate, unauthorized, unverifiable, or the result of a mixed file, all of which are negatively impacting my creditworthiness.\nAdditionally, I have been affected by multiple national data breaches large-scale incidents that exposed consumer data nationwide. Because of this, it is critical that my credit report contain only accurate and fully verifiable informationXXXX 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 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 XXXXThese items violate FCRA 607(b) (failure to ensure maximum possible accuracy) and must be deleted promptly.\nUnder federal law, I am requesting:\n\tThe original signed contract\n\tBilling statements\n\tTreatment records\n\tAll documentation used for verification\nIf the furnisher cannot produce valid documentation containing my signature, this account must be deleted immediately under FCRA 611(a)(5)(A).\nRequested Action (Required Under Federal Law)\nUnder FCRA  605B, 607(b), 611, and FDCPA requirements, I am requesting that CFPB:\n Conduct a reasonable reinvestigation\n Block and delete any identity theftrelated or unauthorized information\n Remove all unverifiable, inaccurate, or mixed-file data\n Provide written results of the reinvestigation\n Provide copies of ALL documentation used to verify disputed items (per FCRA 609(a))\nIf any furnisher cannot provide legally valid documentation including signed contracts, billing statements, or proof of permissible purpose the information must be deleted, not updated.\nApplicable Federal Statutes\n\tFCRA 605B (15 U.S.C. 1681c-1)  Right to block identity theft and unauthorized information\n\tFCRA 607(b)  Duty to ensure maximum possible accuracy\n\tFCRA 609(a)  Right to receive verification documentation\n\tFCRA 611  Right to dispute and receive a reasonable reinvestigation\n\tFCRA 623(a)(1)(A)  Furnishers may not report inaccurate information\n\tFDCPA 807809  Prohibits false, deceptive, or unverifiable collection activity'

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am submitting this complaint regarding inaccurate and improperly reported charge-off accounts that are appearing on my consumer credit reports. The information being furnished is not accurate, not verifiable, and not compliant with federal law. I am requesting the CFPBs assistance in having these accounts fully investigated and corrected. Accounts : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4600.00} 1. Violation of the Fair Credit Billing Act 15 U.S.C. 1666a Creditors are required to properly investigate and correct billing errors and are prohibited from reporting inaccurate charge-offs. The creditor has failed to validate the accuracy of the alleged charge-off and is continuing to furnish information that does not reflect a verified or corrected billing record. 2. Violation of the Gramm-Leach-Bliley Act 15 U.S.C. 6802 This statute prohibits creditors from sharing false, incorrect, or unverifiable financial information. Reporting a charge-off without providing any documentation, verification, or lawful authorization constitutes the improper sharing of unverified personal financial data. 3. Violation of the Fair Credit Reporting Act 15 U.S.C. 1681a ( i ) ( 1 ) ( A ) Under the FCRA, consumer reporting agencies and furnishers may only report information that is accurate, complete, and verifiable. The charge-off being reported has not been validated with original documentation, account records, or proof of accuracy. 4. Violation of Furnisher Responsibilities 15 U.S.C. 1681s-2 Once I disputed this information, the furnisher had a legal obligation to conduct a reasonable investigation, correct inaccuracies, and cease reporting unverifiable data. They have failed to do so and continue to furnish information that can not be substantiated. 5. XXXX XXXX XXXX v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ) The court held that a credit reporting agency must perform an independent investigation of disputed information and can not rely solely on the furnishers claims. The repeated reporting of this unverified charge-off violates this legal

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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:
Im writing you again regarding an unresolved dispute I submitted about inaccurate late payment ( s ) being reported on my credit file. Since you failed to correct or remove the account despite clear legal grounds, I have now submitted a formal complaint to the Consumer Financial Protection Bureau ( CFPB ). This letter serves as a final demand for resolution before taking further legal steps.

Account Details in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am submitting this dispute regarding inaccurate late payment reporting on my credit report. I am relying on the protections afforded under federal law to ensure that my credit information is reported accurately and fairly. Late accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Legal Basis : 1.15 U.S.C. 1666b Fair Credit Billing Act ( FCBA ) : Requires accurate crediting of payments and prohibits misreporting late payments. Any reporting of late payments that do not accurately reflect my payment history violates this law. 2.15 U.S.C. 6802 Gramm-Leach-Bliley Act ( GLBA ) : Prohibits the disclosure of false payment information. Reporting inaccurate late payments constitutes unauthorized disclosure of false data. 3.15 U.S.C. 1681a ( i ) ( 1 ) ( A ) Fair Credit Reporting Act ( FCRA ) : Ensures that all credit reports contain only accurate and current payment information. 4.15 U.S.C. 1681s-2 FCRA : Obligates furnishers of information to report accurately and to correct errors once notified. Legal Precedent : In Cushman v. Trans Union, the court confirmed that credit bureaus must verify and correct inaccurate late payment reporting rather than blindly accepting the creditors 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 2025-12-08 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 am submitting this dispute regarding inaccurate late payment reporting on my credit report. I am relying on the protections afforded under federal law to ensure that my credit information is reported accurately and fairly. Late accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Legal Basis : 1.15 U.S.C. 1666b Fair Credit Billing Act ( FCBA ) : Requires accurate crediting of payments and prohibits misreporting late payments. Any reporting of late payments that do not accurately reflect my payment history violates this law. 2.15 U.S.C. 6802 Gramm-Leach-Bliley Act ( GLBA ) : Prohibits the disclosure of false payment information. Reporting inaccurate late payments constitutes unauthorized disclosure of false data. 3.15 U.S.C. 1681a ( i ) ( 1 ) ( A ) Fair Credit Reporting Act ( FCRA ) : Ensures that all credit reports contain only accurate and current payment information. 4.15 U.S.C. 1681s-2 FCRA : Obligates furnishers of information to report accurately and to correct errors once notified. Legal Precedent : In Cushman v. Trans Union, the court confirmed that credit bureaus must verify and correct inaccurate late payment reporting rather than blindly accepting the creditors report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
This company is breaking the law by failing to provide proper validation details as required under the 12 CFR 1006.34 ( b ) ( 5 ). Despite this, they've added a collection to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: Exeter Finance, LLC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DOBXXXX Last 4 of SSNXXXX I am submitting this complaint regarding Exeter Finance for furnishing incorrect , inconsistent, and unverifiable derogatory information to XXXX XXXX and XXXX  XXXX These errors violate the Fair Credit Reporting Act ( FCRA ) and continue to cause significant harm to my credit. 

ACCOUNT INFORMATION Creditor : Exeter Finance / Exeter Finance LLC Account Number ( partial ) : XXXX / XXXX Open Date : XX/XX/XXXX Closed Date : XXXX  : Not reported | XXXX  : XX/XX/XXXX | XXXX  : Not reported Loan Type : Vehicle Loan Terms : 73 Months Status : Closed / Charged Off / Purchased by Another Lender 1. Last Updated Dates Are Inconsistent Across Bureaus XXXX  : XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX. Charge-Off Status Is Not Consistent XXXX  : Charge Off / Other Derog XXXX  : Bad debt/collection XXXX  : None Reported ( but marked Purchased by Another Lender ) 3. Payment History Contradictions XXXX : Experian : CO ( XXXX ) XXXX  : CO ( XXXX ) XXXX  : XXXX for all months XXXX : XXXX  : CO for all months XXXX  : CO for all months XXXX  : XXXX all months XXXX : XXXX  : XXXX late ( XX/XX/XXXX ), XXXX late ( XX/XX/XXXX ), XXXX late ( XX/XX/XXXX ), CO ( XXXX ) XXXX  : XXXX late ( XX/XX/XXXX ), XXXX late ( XX/XX/XXXX ), XXXX late ( XX/XX/XXXX ), CO ( XXXX ) XXXX  : No payment history reported at all XXXX XXXX XXXX 4. Older Derogatory Events Inconsistent XXXX late : XXXX  : XX/XX/XXXX | XXXX  : XX/XX/XXXX | XXXX  : None XXXX late : XXXX  : XX/XX/XXXX | XXXX  : XX/XX/XXXX | XXXX  : None XXXX late spans differ between all three bureaus. 

5. Account Status Conflicts XXXX  : Charged off bad debt XXXX  : Charge Off / Other Derogatory XXXX  : Purchased by another lender 6. XXXX  Stopped Reporting After XX/XX/XXXX Despite Continued Updates on Other Bureaus Thank you for your attention to this matter. I request a full investigation into Exeter Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: NJ

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
TransUnion is reporting my XXXX  XXXX bankruptcy filed on XX/XX/XXXX, but the reporting is incomplete and misleading. My case ( reference number XXXX ) was dismissed by the U.S. Bankruptcy Court on XX/XX/XXXX. No repayment plan was ever confirmed, no confirmation hearing resulted in approval, and no debts were discharged. 

Under the Fair Credit Reporting Act, public record information must be accurate, complete, and verifiable. TransUnion is not showing the dismissal date, the lack of a confirmed plan, or the fact that no discharge occurred. This creates a misleading impression of the legal status of the bankruptcy. 

I previously requested reinvestigation, but TransUnion did not correct the reporting. If TransUnion can not verify all required dismissal details directly with the U.S. Bankruptcy Court for the XXXX XXXX of Louisiana, the bankruptcy entry must be removed entirely.

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 2025-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: NE

Complaint narrative:
I'm having issues with Chime and their notorious Dispute team. 

I was at work Friday XX/XX/XXXX at XXXX AM to XXXX PM, I am not authorized to use my phone at work. While I was at work at XXXX PM my Chime account was accessed. The person that accessed my account used the Chime XXXX XXXX feature to advance {$440.00} dollars into my account, They then sent that {$440.00} dollars to a XXXX XXXX account. I thought this would a fairly easy thing to dispute. 

I contacted Chime and provided the screenshots they asked for to get this issue resolved. My claim was then denied. They suggested that I refile that claim and try to provide more thorough evidence, So I did. 

I provided a Screen-Capture showing an unauthorized login to my Chime account from a state I do not reside in, A time-Sheet to verify my location at my work during the incident and a Notepad written with an outline of all the events. I thought this would suffice, Tonight my claim was again denied. I have exhausted all I'm able to do with Chime.

Company response to consumer: Closed with explanation