vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-26 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: FL

Complaint narrative:
I just want to Follow up this complaint regarding repeated, pervasive inaccuracies, misreporting, and inconsistent data appearing on my credit reports from Experian, Equifax, and TransUnion, under multiple variations of my name including XXXXXXXX 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 XXXXXXXX. The accounts in question including 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, and other creditors reflect conflicting balances, dates of last activity, and reporting statuses across the XXXX credit bureaus. Many accounts report XXXX balances in XXXX bureau while showing substantial balances in another, and last activity dates are inconsistent or outdated, some as far back as XXXX or XXXX. Original creditor names are misreported, incomplete, or inconsistent, including variations like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Inquiries and hard pulls, including XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX and others, may not meet permissible purpose requirements and some are outdated. These errors violate multiple provisions of the FCRA, including 605 ( a ), 605 ( c ), 607 ( b ), 609 ( a ) ( 1 ), 611, 623 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 5 ), as well as the FDCPA 807-809, creating a persistent, ongoing harm to my creditworthiness, financial reputation, and ability to secure fair financial opportunities. I have disputed these inaccuracies multiple times with each bureau, yet they continue to report unverifiable, conflicting, and outdated information, demonstrating negligence and failure to maintain accurate consumer data.

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 2025-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: GA

Complaint narrative:
My account was hacked on XX/XX/XXXX while I was at work, I disputed the charges from Chime of XXXX total and each time they request new documents from me to prove my innocence I got denied XXXX of my disputes and XXXX rebuttals I even included a police report as my last resort and they still denied me. I have been in contact with also the company who they use my account at which is located in California and I'm nowhere near that. I have proof of my location and the time it was happening this been going on for about XXXX weeks now and I feel like I'm getting the runaround

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I paid off my vehicle loan in full on XX/XX/year>. After paying off the loan, I expected to receive my vehicle title and lien release within a reasonable timeframe. 

More than one month passed without receiving my title or lien release, so I contacted the company to ask about the status. I was informed that it could take up to 20 business days and was asked to wait longer. 

On XX/XX/year>, the company emailed me stating that they had notified the DMV to mail my title and that I should allow 20 business days for delivery. I waited as instructed. 

However, even after this period passed, I still did not receive my vehicle title or lien release. In the following months, I contacted the company multiple times to request an update. In some cases, I received no response, and in other cases I was told the issue was being reviewed, but no resolution occurred. 

At one point, the company requested documentation related to the previous owner of the vehicle. I explained that I purchased and financed the vehicle through this lender and that I do not have access to documents from a prior owner. After this, the company stopped responding to my inquiries. 

As of today, despite my loan being fully paid off since XX/XX/year>, I still have not received my vehicle title or official lien release. This ongoing delay has caused unnecessary inconvenience and concern. I am requesting that the lien be properly released and that my vehicle title be issued and sent to me without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: PA

Complaint narrative:
I am filing this complaint because XXXX  and XXXX  are reporting a {$5800.00} collection account from National Credit Systems , Inc. that has never been validated and is preventing me from obtaining housing. 

On XX/XX/year>, I sent a certified debt validation request to National Credit Systems , Inc. pursuant to the Fair Debt Collection Practices Act. The company received this request on or about XX/XX/year>. As of today, XX/XX/XXXX, no validation or documentation has been provided. 

Despite the failure of National Credit Systems , Inc. to properly validate the debt, XXXX  and XXXX  have repeatedly verified the account. Most recently, TransUnion responded to my dispute with a one-word result : Denied, without providing any explanation, documentation, or method of verification.

TransUnion failed to conduct a reasonable reinvestigation as required under 15 U.S.C. 1681i and failed to ensure maximum possible accuracy under 1681e ( b ). A credit bureau can not verify a debt when the furnisher itself has failed to validate it. 

This inaccurate and unverifiable reporting is actively preventing me from being approved for an apartment, causing ongoing financial and housing harm. It also negatively affects my overall credit rating, which affects my ability to secure new credit with favorable interest rates.

I am requesting immediate deletion of the National Credit Systems , Inc. account from my XXXX  and XXXX  credit report and written confirmation of the corrective action taken. I am also requesting that this account be removed from all other credit bureaus, rental reports, and home leasing agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: NC

Complaint narrative:
I am submitting this complaint as my third formal dispute regarding significant inaccuracies on my TransUnion and Equifax credit reports that remain unresolved despite my prior submissions and supporting documentation. I am extremely frustrated and concerned that TransUnion and Equifax have failed to correct these errors, which continue to negatively impact my credit profile, financial stability, and overall creditworthiness. This ongoing misreporting demonstrates a clear disregard for the obligations imposed under the Fair Credit Reporting Act ( FCRA ), including FCRA 611, which requires consumer reporting agencies to conduct a reasonable reinvestigation of disputed information, and FCRA 623 ( a ) ( 2 ), which obligates furnishers to promptly correct and update inaccurate information once notified of a dispute. Additionally, FCRA 605 ( a ), concerning the reporting of obsolete information, and FCRA 609, which entitles me to full disclosure of the method and documentation used to verify reported data, are implicated due to the continued presence of erroneous entries on my credit file. The accounts and data at issue include XXXX  XXXX account ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a reported balance of {$1000.00}, XXXX XXXX account ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a reported balance of {$1500.00}, XXXX  XXXX account ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a reported balance of {$6000.00}, XXXX CARD account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX with a reported balance of {$6000.00}, as well as multiple inaccurate personal identifiers and address listings including XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX 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 XXXXXXXX ; and XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, along with inaccurate name variations including XXXX XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: MS

Complaint narrative:
I recently pulled my credit report and noticed several negative accounts that are reporting inaccurately and without my knowledge. Please help me get these accounts removed immediately. 

I also noticed multiple fraudulent inquiries that I have no knowledge of. These inquiries need to be removed immediately. This is one of many attempts to remove these unauthorized inquiries. Please help me take care of these immediately. 

Equifax - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Transunion- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian- XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-12-26 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: FL

Complaint narrative:
b'I am submitting this formal request for the immediate and permanent removal of multiple inaccurate and unverifiable items currently reported on my credit file across Experian, Equifax, and TransUnion. I have reviewed my credit reports carefully and identified several collections and inquiries that are either duplicated, outdated, or inaccurately reported, and therefore should be permanently removed in accordance with federal law.\nRegarding collections, XXXX reporting on behalf of XXXX XXXX XXXX XXXX XXXX XXXX, has inaccurately reported the same debt multiple times, reflecting a balance of XXXX on Experian, Equifax, and TransUnion. This repeated reporting is misleading, inaccurate, and constitutes a violation of FCPA 807 (15 U.S.C. 1692e) and FDCPA 809 (15 U.S.C. 1692g). Additionally, XXXX XXXX XXXX, as the reporting agency for XXXX XXXX XXXX XXXX XXXX has inaccurately reported a balance of XXXX  on Experian. These items are not only misleading but also cause harm to my credit reputation and financial opportunities, and therefore must be permanently removed.\nIn addition, I dispute multiple hard inquiries that were inaccurately reported or are otherwise unverifiable. On Experian, the disputed inquiries include 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. On TransUnion, the disputed inquiries include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries are inaccurate, unauthorized, or unverifiable and should be removed immediately in accordance with FCRA 619  15 U.S.C. 1681q, FCRA 604(a)  15 U.S.C. 1681b(a), and FCRA 604(f)  15 U.S.C. 1681b(f).'

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 2025-12-26 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: NY

Complaint narrative:
I am submitting this complaint regarding multiple inaccuracies and unverifiable information currently reported on my credit file, which I dispute under the Fair Credit Reporting Act ( FCRA 607, 611, 623 ) and the Fair Debt Collection Practices Act ( FDCPA 807, 808, 809 ). The late closed accounts, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$290.00} reported late 90 days, XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$0.00}, and XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$0.00}, may not accurately reflect my account history. The charge-off account XXXX XXXX XXXX XXXXXXXX XXXX XXXX  is reported with a balance of {$430.00}, and I dispute the validity and accuracy of this reporting. Additionally, multiple inquiries appear without my proper authorization, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, and XXXX XXXX NA XX/XX/XXXX. Inaccurate addresses are also included, such as XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX As a fair solution, I request that all disputed accounts, inquiries, and addresses be fully verified and corrected to ensure my credit file is accurate, complete, and not misleading, reflecting only correct 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 2025-12-26 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: FL

Complaint narrative:
I just want to Follow up this complaint regarding multiple violations and inaccuracies appearing on my Experian and TransUnion credit reports, which have resulted in significant harm and misrepresentation of my consumer file. Both bureaus are reporting outdated, inconsistent, and unverifiable personal address information, including several variations of : 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 XXXXXXXX, which violate FCRA 607 ( b ) requiring maximum accuracy and FCRA 605 regarding obsolete information. Additionally, TransUnion is reporting an outdated XXXXXXXX XXXX XXXX  XXXX account with XXXX XX/XX/XXXX that no longer meets FCRA 605 ( a ) reporting limits and is not listed on Experian at all, violating FCRA 623 ( a ) ( 1 ) ( A ) regarding consistent and accurate reporting. Both bureaus also report conflicting data for XXXX XXXX XXXX, where Experian lists a Date of Last Activity of XX/XX/XXXX and TransUnion reports XX/XX/XXXX, creating false and misleading discrepancies in violation of FCRA 623 ( a ) ( 5 ) ( accurate DOFD required ) and FDCPA 807808 regarding misleading and unfair reporting. Additionally, both bureaus are showing duplicate or mislabeled XXXX XXXX XXXXXXXX dated XX/XX/XXXX and XX/XX/XXXX Experian labeling them XXXXXXXX XXXX  and TransUnion labeling them XXXX XXXX which raises concerns of unauthorized or impermissible pulls under FCRA 604 ( a ) and disputes under FCRA 611. These combined inaccuracies, inconsistencies, obsolete accounts, unverifiable reporting practices, and conflicting dates have created substantial confusion and demonstrate a failure of both bureaus to uphold their obligations under FCRA 607 ( b ), 611, 623 ( a ), and FDCPA 809 regarding proper verification. I have disputed these items directly with the bureaus ; however, they continue to appear, remain uncorrected, or are being reinserted without notice. I request CFPB intervention to ensure proper reinvestigation, deletion of all unverifiable or obsolete items, correction of inconsistent reporting, and enforcement of compliance with federal law.

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 2025-12-26 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: NC

Complaint narrative:
I am submitting this as my third formal dispute regarding inaccurate and inconsistent reporting of my credit accounts, specifically the late open accounts reported by XXXX XXXX and XXXX, which continue to appear on my Equifax, Experian and TransUnion credit report with significant inaccuracies despite my prior dispute submissions. The reporting of these accounts is materially affecting my credit standing, and I am demanding a full, thorough, and comprehensive reinvestigation in strict accordance with the Fair Credit Reporting Act ( FCRA ), including 15 U.S. Code 1666 Correction of Billing Errors, 15 U.S.

Code 1666a Creditors Restrictions During Dispute, FCRA 611 ( 15 U.S.C. 1681i ) Dispute Inaccurate Information with Credit Bureaus, FCRA 623 ( a ) ( 2 ) Duty to Correct and Update, FCRA 605 ( a ) Obsolete Information, and FCRA 609 ( 15 U.S.C. 1681g ) Right to Full Disclosure. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$600.00} XXXX XXXX XXXX  Balance Owed : {$2700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: TX

Complaint narrative:
I am filing this complaint regarding inaccurate reporting on my Equifax credit report related to my XXXX account, number XXXX, balance {$1600.00}, opened on XX/XX/XXXX, with the last payment recorded on XX/XX/XXXX. The report inaccurately shows late payments in XX/XX/XXXX and XX/XX/XXXX as XXXX delinquencies, which do not reflect my actual payment history ; I have verified my records, including bank statements and correspondence with the lender, confirming that these payments were made on time. Despite my prior attempts to have Equifax investigate and correct these inaccuracies under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1666 ( billing error correction ), 1666a ( creditor restrictions during disputes ), 1681i ( dispute of inaccurate information ), and 623 ( a ) ( 2 ) and ( b ) ( furnisher duty to update and reinvestigate ), the errors remain on my report, negatively affecting my creditworthiness. I am requesting the CFPBs assistance to ensure that Equifax conducts a complete reinvestigation with the furnisher, corrects the reporting of late payments, and provides me with written confirmation of the corrections and an updated credit report reflecting the accurate status of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: 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 explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
b'To the Credit Card Dispute Department\n\nI am submitting this letter as a formal dispute under the Fair Credit Billing Act (15 U.S.C. 1666) and Regulation E, requesting investigation and reversal of charges listed below. These transactions either involved no services rendered, subscriptions that were cancelled, or donations that I expressly revoked or changed my intent to give.\n\nDespite reasonable efforts to resolve these matters directly with the merchant(s), billing continued, and refunds were not issued. As such, this dispute is timely, valid, and supported by documentation.\n\nDisputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nBasis for Dispute:\nThese were voluntary donations that I later rescinded and changed my intent regarding the amount given. No services, goods, or consideration were provided in exchange. Refunds were requested and not honored.\n\nAccount XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXBasis for Dispute:\nSame as above. Donations were revoked, and no services or benefits were received.\n\nAccount Ending XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXBasis for Dispute:\nI emailed Glam Labs to cancel, was unable to effectively use the app, and deleted the application. Billing continued despite cancellation notice. No meaningful service was rendered.XXXX XXXX for Dispute:\nDonation was later revoked; no services or consideration provided.\n\nAccount Ending XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXas cancelled, not usable, and subsequently deleted. No services were received after cancellation, yet charges persisted.\n\nRequested Resolution\n\nFull reversal and credit of all disputed charges\n\nConfirmation that subscriptions are permanently terminated\n\nWritten confirmation of investigation results\n\nI am prepared to provide email correspondence, cancellation confirmations, and additional documentation upon request. This dispute is made in good faith and aligns squarely with consumer protections afforded under federal law.\n\nLets close the loop efficiently and restore account accuracy.\n\nRespectfully,'

Company response to consumer: Closed with explanation