vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Thaxton Investment Corporation
State: AZ

Complaint narrative:
Heights financial XXXX XXXX XXXX XXXX XXXX, SC XXXX is reporting my account as charged off but still showing a balance this is a XXXX XXXX violation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This morning, I found an unauthorized inquiry on my credit report, and Im completely confused and frustrated as to how it got there. I double-checked by refreshing my browser, thinking it was a glitch, but the inquiry stayed. I need this resolved right away, and I demand that the documents I sent be reviewed carefully so I dont have to deal with this stress again.

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 2025-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: OR

Complaint narrative:
I checked my account at around XXXX on XX/XX/year>. To find out chime closed my account with no reasoning. XX/XX/XXXX is the day Im supposed to be getting paid. So I want chime to reactivate my account so I can get my paycheck.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Ive called chase numerous times Im currently going through an extremely hard time. And I asked if they can wave my XXXX  overdraft fees I have been with this company since XXXX  and I just feel its a tough time

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-29 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: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate the erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX * * * * Balance : {$28000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate the erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX * * * * Balance : {$28000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: NY

Complaint narrative:
I filed a chapter XXXX bankruptcy which was dismissed so Radius Global Solutions brought the dept from XXXX XXXX XXXX credit card. which i owed {$1200.00} i paid XXXX XXXX XXXX collection agency in full my last payment which I paid on XX/XX/year>. I have been calling and nobody can tell me why my credit account still say I owe XXXX. I have spoken to numerous representatives at this collection about my money order who cashed it I have my receipts and my postal return stating who signed for the mail my 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 non-monetary relief
Consumer complaint received 2025-05-29 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: NC

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-05-29 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
PLEASE REMOVE ALL ACCOUNTS LISTED. MY INFORMATION WAS EXPOSED DURING A DATA BREACH. THE FOLLOWING ACCOUNTS ARE FRAUDULENT 1. XXXX XXXX DATE OPENED XX/XX/XXXX ( 2. ) XXXX XXXX DATE OPENED XX/XX/XXXX ( 3. ) ABILITY RECOVERY SERVI DATE OPENED XX/XX/XXXX. ( 4. ) XXXX XXXX XXXX DATE OPENED XX/XX/XXXX. THIS ERROR IS ILLEGAL AND UNETHICAL. EXPERIAN FAILED NUMEROUS TIMES TO DO A PROPER INVESTIGATION & ALSO ALL CREDITORS LISTED FAILED TO INVESTIGATE PROPERLY AS WELL. THESE ACCOUNTS HAVE BEEN DAMAGING TO ME. REMOVE ALL ACCOUNTS LISTED IMMEDIATELY.

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 2025-05-29 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:
When I checked my credit report today, I was surprised to see accounts that dont belong to me, and I dont understand how they appeared. This was unusual, as I regularly check my report and havent seen these issues before. I tried reloading the page to rule out a simple error, but the false accounts stayed. Thats why Im asking for a careful review of the documents I submitted to help resolve this permanently.

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 2025-05-29 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: GA

Complaint narrative:
My account with XXXXXXXX XXXX XXXX XXXX XXXX was never late ! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reportsEQUIRED UNDER 1666B

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: NV

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( XXXX XXXXXXXX XXXX XXXX ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: NV

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( XXXX XXXXXXXX XXXX XXXX ) for deceptive and misleading reporting.

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 2025-05-29 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: IN

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: IN

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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:
This morning, I saw some incorrect accounts listed on my credit report and Im completely unsure of how they got there. I reviewed my report as I normally do, but this time I came across unexpected errors. I even refreshed my browser, thinking it might be a technical glitch, but nothing changed. These incorrect entries remained. Due to this, Im requesting a detailed review of the documents I provided so I wont have to deal with this concern again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX is reporting my account as charged off but still showing a balance this is a XXXX XXXX violation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: American Credit Acceptance, LLC
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX is reporting my account as charged off but still showing a balance this is a XXXX XXXX violation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: CA

Complaint narrative:
Good day, I am writing to follow up on my previous letter where I requested the three credit bureaus to remove the remaining fraudulent items from my credit report. I am sending this letter to ensure that Experian, XXXX and TransUnion credit bureaus will indeed remove the items listed below. Additionally, I would like to express my gratitude for removing some of the fraudulent items from my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$8400.00} XXXX XXXX XXXX XXXX/XXXX/2024

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 2025-05-29 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: Prosper Marketplace, Inc.
State: OR

Complaint narrative:
I was alerted on XX/XX/XXXX, by " XXXX '' that my XXXX that a descriptor change on my Prosper Card Account that reduced my credit score by XXXX points. On XX/XX/XXXX, I received an alert that my Transunion score had been reduced by XXXX points as well. 
The descriptor change was that the account was charged off. I immediately looked at my account online and it showed that my account was in good standing as it has always been. I called Prosper XXXX  and emailed them. They said they were going to investigate the matter and that I would receive a confirmation email. I did no receive anything. I filed a dispute with XXXX  and XXXX because I didn't feel confident that Prosper was going to investigate the issue. 
I received an email this morning - ( XX/XX/XXXX - from XXXX  stating that the the had been made, so far to my XXXX and XXXX reports stating that my request was complete. A report was provided that still showed that my account was charged off. It also erroneously showed that I owed {$21.00} more than my total available credit of {$900.00} ; {$920.00}. 
This is not correct. I actually have an available balance of {$330.00} and have total balance due of {$560.00}. 
I am working toward purchasing a home this year and this is really harmful. I have copies of my statements and screenshots showing that my account has always been in good 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 non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: TOP FLITE FINANCIAL INC
State: OH

Complaint narrative:
XXXX Confeniently has cronic communication failure, Example- When I attempted to contact my loan officer ( several times ) sombody else responds to my text messege to him, sombody else answers his phone often, email is " undeliverable ''. A complete calamity in the communication department.

XXXX To gain my I was lied to, XXXX and misled many times regarding the different phases and cycle times each phase took to complete. example : On XX/XX/XXXX XXXX XXXX ( Loan officer ) Texted : Waiting to get you to sign your closing documents so we can get get teh clear to close. We are aiming to closed by XXXX  ( XX/XX/XXXX ). I didnt get any funds until the following weds. There were interferences and an event that always slowed the process down. 
XXXX The contract warrants that close out all my credit card balances ( XXXX XXXX ) and XXXX  XXXX would write the checks for the amounts of the credit card balance and as they did that they wrote every single check balance incorrectly XXXX total. after I discovered that all the amounts were incorrect I Decided to pay them off out of my own checking account and paid them with my debit card with the funds that I was forwarded from the XXXX  XXXX. XXXX  XXXX XXXX assured me that they would reimburse me for all of the checks That I paid for as soon as they received confirmation that the Account was XXXX  balance. I forwarded all of these statements resulting from my XXXX out all of my accounts and the company is slow walking my reimbursement it's been now XXXXXXXX  days since they're promised to reimburse me. each day it's another excuse why they haven't reimbursed me Or wired my funds to my checking account. Every time then they complain they haven't been able to get ahold of the creditor couldn't be anything from further from the truth because I was able to get through to the creditor with one phone call. 
As of today XX/XX/29 XXXX XXXX tells me in an email that they are now making sure that all of the checks have not been cashed. Sent him a photograph of the checks with a dates piece of paper on it to prove that they have not been cashed. 

Finally if I would have known the challenges I experienced with this company I would have not have signed with it but through the lies and half truths I was given I remained as if in good faith.

Company response to consumer: Closed with explanation