vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-09 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: AZ

Complaint narrative:
After carefully reviewing my Experian credit report, I was disheartened to find multiple accounts inaccurately reflecting late payment notations despite all being fully paid and carrying a XXXX balance. The accounts in question are XXXX XXXX XXXX XXXX  - XXXX - XX/XX/XXXX ( Paid - Past Due : {$0.00} ), XXXX  XXXX - XXXX - XX/XX/XXXX ( Paid - Past Due : {$0.00} ), XXXX - XXXX - XX/XX/XXXX ( Paid - Past Due : {$0.00} - Balance : {$0.00} ), XXXX XXXX  XXXX XXXX XXXX - XX/XX/XXXX ( Paid - Past Due : {$0.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( Paid - Past Due : {$0.00} - Balance : {$0.00} ), and XXXX XXXX XXXX - XXXX - XX/XX/XXXX ( Paid - Past Due : {$0.00} - Balance : {$0.00} ).

Each of these accounts has long been paid in full, closed in good standing, and carries no outstanding past-due amounts. Yet Experian continues to inaccurately portray them as having a history of delinquency. This type of misreporting is not only misleading but in direct violation of the Fair Credit Reporting Act ( FCRA ), particularly under 15 U.S.C. 1681e ( b ), which mandates Experian to maintain the maximum possible accuracy of all information furnished about a consumer, and 1681i, which requires a complete and reasonable reinvestigation when a consumer disputes any inaccuracy.

What makes this especially frustrating is that these errors do not exist in a vacuum they have a tangible impact on my daily life. These so-called late payment marks have damaged my creditworthiness, increased my cost of borrowing, and subjected me to denials that I never should have faced. I have honored every financial obligation listed here, and yet I am being penalized for debts that have been long resolved. Its exhausting, emotionally and financially, to have my integrity questioned by a system that should protect it.

I have seen firsthand how these mistakes can close doors from being denied fair loan terms to feeling anxious every time a creditor checks my file. These are not small inconveniences ; they are real consequences that undermine years of effort to build responsible credit. The emotional toll of watching my history misrepresented by a company that is legally bound to ensure accuracy can not be overstated.

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 2025-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have noticed collection accounts on my credit report that I believe may include inaccurate details. Under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a report that is both accurate and verifiable. I am requesting that these accounts be investigated, and if their accuracy can not be confirmed, they must be removed.

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 2025-10-09 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: DE

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-09 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: DE

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Last 4 of social : XXXX Subject : Unauthorized Inquiry I am writing to formally address a serious matter regarding an unauthorized inquiry made on my credit report on XX/XX/XXXX. I have recently been informed of this matter which is holding me back from buying my family a home. I believe this action constitutes a violation of my rights under applicable federal and state laws. 
Specifically, this unauthorized inquiry may violate the following U.S. regulations : Fair Credit Reporting Act ( FCRA ) Under the FCRA, access to an individual 's credit report or financial information is only permissible under certain conditions. This includes when the individual has provided explicit consent, or when there is a legitimate, permissible purpose for the inquiry. Any access outside of these conditions is prohibited. 
Right to Financial Privacy Act ( RFPA ) If this inquiry relates to financial information or records held by a financial institution, the RFPA prohibits unauthorized access to such records without the customers consent or a legal order.

Gramm-Leach-Bliley Act ( GLBA ) If this inquiry involves personal financial data, the GLBA mandates that financial institutions must establish privacy policies to protect consumer data from unauthorized access or disclosure.

I hereby request the following actions : Deletion of the inquiry ASAP A full explanation of the nature and purpose of this inquiry, including who authorized it and the specific information accessed. 
Confirmation that any data obtained through unauthorized means has been deleted or destroyed. 
Assurance that no further unauthorized inquiries will be made into my personal or financial 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 2025-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: NC

Complaint narrative:
am writing to formally express my concerns regarding Chime 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 unfeasible. The CFPB 's 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 consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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: Affirm Holdings, Inc
State: CA

Complaint narrative:
I am a victim of identity theft. My information was stolen. I did not consent to authorize or benefit from any of the following accounts. All are being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked until the investigation is complete. Since 4 business days from the receipt of this communication allowed under federal law to block these orders, failure to do so within 4 business days after receiving this letter constitutes a reason to promptly delete the information from my credit file in refer to FCRA ( USC ) 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
I have requested these accounts to be removed!! Because I do not recall this account! I keep getting harrassed and Im mentally not okay!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
There are late payment entries on my credit report that I believe are inaccurate. In accordance with 15 USC 1681e ( b ) and 15 USC 1681i, my credit file must contain only information that is accurate, complete, and capable of being verified. I request that these entries be investigated, and if verification is not possible, they should be corrected or deleted.

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 2025-10-09 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 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 were unfeasible. The CFPBs findings indicate that Chime had 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 consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: FL

Complaint narrative:
I am submitting this report due to inaccuracies on my credit report stemming from a system error, as confirmed by Equifax, which resulted in my personal information being leaked and used improperly. Ive been denied credit because of this issue, and I request immediate correction within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I am filing this complaint because my Equifax credit file continues to display unauthorized hard inquiries that were made without my knowledge or consent. Under the Fair Credit Reporting Act ( FCRA ), Section 1681b ( a ) ( 3 ) ( A ), a permissible purpose is required for any hard inquiry. None of the inquiries listed below were authorized by me, nor were they related to any legitimate credit application or transaction. Their continued presence on my report represents a clear violation of federal law. The following inquiries are unauthorized and must be permanently deleted
: XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I have already disputed these inquiries directly with Equifax, providing both my written dispute and a copy of my official Police Report ( Case No. XXXX ), which qualifies as an Identity Theft Report under federal law.

Despite my compliance with the FCRA requirements, Equifax has failed to block and delete these inquiries as required by FCRA Section 605B ( 15 U.S.C. 1681c-2 ).

Under this section, credit reporting agencies must block and remove identity-theft-related information within four ( 4 ) business days of receiving proper documentation, yet these inquiries remain unlawfully on my credit file.

This non-compliance has caused measurable harm to my financial life : My credit score remains artificially lowered by unauthorized inquiries.

I have been denied legitimate credit opportunities and offers.

I have been forced to accept higher interest rates and unfavorable credit terms.

These violations continue to expose me to identity theft and reputational damage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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: TX

Complaint narrative:
On XX/XX/year>, I paid my charged-off XXXX XXXX account in full through their contracted collection agency, XXXX ( see attached receipt ). XXXX confirmed payment and a {$0.00} balance immediately. 

I contacted XXXX XXXX directly through the only channel available ( XXXX and the in-app Support function ) yesterday, XX/XX/year> to request confirmation and an update to my credit report. I explained that I am in the middle of a mortgage closing and urgently need my credit report to reflect accurate information. 

XXXX XXXX responded that they only perform batch uploads monthly and that my account may not be updated for up to 60 days. Despite that statement, they have not provided any follow-up, confirmation, or evidence that my payment has been processed internally. The tradeline continues to show as charged-off and unpaid and my account, on their application, remains unpaid.

There is no way to contact XXXX XXXX by phone or to escalate beyond general email support. The company provides no access to a live agent or compliance contact, and charged-off accounts can not be managed within the app beyond a generic contact form. Consumers in my position have no ability to resolve or verify updates, even after payment.

This lack of access and failure to correct the tradeline violates the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 2 ) and 623 ( a ) ( 8 ), which require furnishers to promptly investigate and update inaccurate information once notified.

I am requesting that XXXX XXXX  immediately reconcile my account with XXXX, update the trade line on all three credit bureaus to reflect a {$0.00} balance and paid-in-full status, and provide written confirmation of the update to me and my mortgage lender. 

Attachments : XXXX  payment confirmation dated XX/XX/year> Email correspondence with XXXX XXXX showing lack of response and mortgage-related urgency

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 2025-10-09 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: TX

Complaint narrative:
On XX/XX/year>, I paid my charged-off XXXX XXXX account in full through their contracted collection agency, XXXX ( see attached receipt ). XXXX confirmed payment and a {$0.00} balance immediately. 

I contacted XXXX XXXX directly through the only channel available ( XXXX and the in-app Support function ) yesterday, XX/XX/year> to request confirmation and an update to my credit report. I explained that I am in the middle of a mortgage closing and urgently need my credit report to reflect accurate information. 

XXXX XXXX responded that they only perform batch uploads monthly and that my account may not be updated for up to 60 days. Despite that statement, they have not provided any follow-up, confirmation, or evidence that my payment has been processed internally. The tradeline continues to show as charged-off and unpaid and my account, on their application, remains unpaid. 

There is no way to contact XXXX XXXX by phone or to escalate beyond general email support. The company provides no access to a live agent or compliance contact, and charged-off accounts can not be managed within the app beyond a generic contact form. Consumers in my position have no ability to resolve or verify updates, even after payment. 

This lack of access and failure to correct the tradeline violates the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 2 ) and 623 ( a ) ( 8 ), which require furnishers to promptly investigate and update inaccurate information once notified. 

I am requesting that XXXX XXXX immediately reconcile my account with XXXX, update the trade line on all XXXX  credit bureaus to reflect a {$0.00} balance and paid-in-full status, and provide written confirmation of the update to me and my mortgage lender. 

Attachments XXXX XXXX payment confirmation dated XX/XX/year> Email correspondence with XXXX XXXX showing lack of response and mortgage-related urgency

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: TX

Complaint narrative:
On XX/XX/year>, I paid my charged-off XXXX XXXX  account in full through their contracted collection agency, XXXX ( see attached receipt ). XXXX confirmed payment and a {$0.00} balance immediately. 

I contacted XXXX XXXX directly through the only channel available ( XXXX and the in-app Support function ) yesterday, XX/XX/year> to request confirmation and an update to my credit report. I explained that I am in the middle of a mortgage closing and urgently need my credit report to reflect accurate information. 

XXXX XXXX responded that they only perform batch uploads monthly and that my account may not be updated for up to 60 days. Despite that statement, they have not provided any follow-up, confirmation, or evidence that my payment has been processed internally. The tradeline continues to show as charged-off and unpaid and my account, on their application, remains unpaid. 

There is no way to contact XXXX XXXX by phone or to escalate beyond general email support. The company provides no access to a live agent or compliance contact, and charged-off accounts can not be managed within the app beyond a generic contact form. Consumers in my position have no ability to resolve or verify updates, even after payment. 

This lack of access and failure to correct the tradeline violates the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 2 ) and 623 ( a ) ( 8 ), which require furnishers to promptly investigate and update inaccurate information once notified.

I am requesting that PXXXX XXXXXXXX immediately reconcile my account with XXXX, update the trade line on all three credit bureaus to reflect a {$0.00} balance and paid-in-full status, and provide written confirmation of the update to me and my mortgage lender. 

Attachments : XXXX payment confirmation dated XX/XX/year> Email correspondence with XXXX XXXX showing lack of response and mortgage-related urgency

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 2025-10-09 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: VA

Complaint narrative:
I am disputing a XXXXXXXX XXXX XXXX reported as a joint account. I never consented to be a joint owner. The account was opened by my soon-to-be ex-husband solely for use during our XXXX in XXXX from XX/XX/XXXX XXXX XX/XX/XXXX. I was unaware the account remained open, as we had agreed it would not be used. 

In XX/XX/XXXX, after he abandoned our home, XXXX XXXX XXXX, stole {$100000.00} from marital accounts and {$12000.00} from our childs savings, and charged {$10000.00} to a different card where he was authorized, I had to pay that balance off. All charged-off amounts on the disputed XXXX account occurred between XX/XX/XXXX and XX/XX/XXXX. During this period, I had an active protective order against him, proving I had no involvement. I initially reached out to XXXX in XX/XX/XXXX to ensure I had no open accounts that could leave me vulnerable. They were unable to locate the account under my name or XXXX, leading me to believe it was closed. 

In spring XXXX, I began receiving credit alerts that the XXXX account was XXXX  days late. I contacted XXXX again, and they were still unable to find any account under my name or XXXX ; the account could only be retrieved using my ex-husbands information. I filed credit report disputes, which were denied. XXXX proof relied on charges not made by me. I also contacted the CEO in XX/XX/XXXX to request a good-faith correction, which was denied on the basis that they must report accurately. I contest that holding me accountable for these late payments and the charge-off is incorrect reporting. 

I request that XXXX either provide proof I consented to this joint account or remove it from my credit report.

Company response to consumer: Closed with explanation