vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-05 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: MD

Complaint narrative:
I am submitting this complaint because the consumer reporting agency did not fulfill its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a comprehensive explanation of the reinvestigation process used to verify disputed information. I requested details including the name and contact information of the furnisher, the identity of the person contacted, and the documentation reviewed to confirm the accuracy of the disputed account. The agency failed to provide this information within the XXXX-day period mandated by law, denying me the transparency and verification rights granted under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This letter is a formal demand for the removal of fraudulent accounts that have been incorrectly reported under my credit history. I have no connection to these accounts, nor did I authorize them in any capacity. Their appearance is an error that compromises the accuracy and lawfulness of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: DE

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: GA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ

Complaint narrative:
I purchased a XXXX XXXX XXXX XXXX, Vehicle Identification Number and financed the purchase through Nissan XXXX. 
Since the purchase, I have been making regular monthly payments via bill pay from my XXXX XXXX  checking account. On XX/XX/XXXX, I submitted the payment for the XX/XX/XXXX statement. However, the online payment was rejected by Nissan XXXX, and the funds were returned to my account on XX/XX/XXXX. 
I immediately began contacting Nissan XXXX to determine why my payment had been rejected, but none of the representatives could provide an explanation. On XX/XX/XXXX, I was informed that Nissan XXXX had transitioned to Nissan Motor Acceptance Company , LLC, which resulted in changes to both my account number and billing address. I was never notified of these changes prior to this conversation. On XX/XX/XXXX, I submitted the XX/XX/XXXX payment using the updated account number and billing address. Subsequently, on XX/XX/XXXX, I made the payment for the XX/XX/XXXX billing cycle. However, neither of these payments has been credited to my account. 
Since then, I have repeatedly contacted Nissan Motor Acceptance Company, LLC using the phone number provided on the billing statements. While I have been assured that the matter is under investigation, no resolution has been provided. Meanwhile, my credit report now reflects that my account is sixty ( 60 ) days past due. 
I am therefore requesting the assistance of your agency to correct these errors. The late payment history should be removed from my account, and my payment record should accurately reflect that I submitted payments on time. These issues are the result of clerical errors by Nissan Motor Acceptance Company, LLC and not by any failure on my part. Specifically : 1. I was not notified of the transition from Nissan XXXX to Nissan Motor Acceptance Company, LLC, including the changes to my account number and billing address. This failure caused my XX/XX/XXXX payment to be rejected. 
2. Despite resubmitting payments for both XXXX and XX/XX/XXXX under the new account information, Nissan Motor Acceptance Company, LLC has failed to credit those payments to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: IL

Complaint narrative:
XXXX has place me in a collection with I C System, while also still billing me for this Debt, I do have a service with XXXX now in which they keep cutting my service off and billing me for this same debt of {$660.00} and placing it into collection.

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 2025-09-05 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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing inaccurate information on my credit report. 
Creditor : XXXX XXXX XXXX XXXX XXXX  ) Account was closed on XX/XX/XXXX, but my credit report continues to show late payments and a balance reported as recently as XX/XX/XXXX. 
XXXX filed XXXX XXXX  bankruptcy on XX/XX/XXXX and is liquidating all stores and operations. Since XXXX is bankrupt and no longer operating, it can not verify consumer debts. 
Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), credit bureaus may only report information that is accurate, complete, and verifiable. This account is inaccurate and unverifiable. 
I am requesting the permanent deletion of this account from my reports with Experian, Equifax, and TransUnion. 
Supporting evidence attached : XXXX of XXXX bankruptcy and liquidation announcement XXXX of my credit report showing account closed in XXXX but reporting late in XXXX XXXX XXXX filed bankruptcy and is liquidating, so it can not verify consumer debts. 
Account is closed ( XX/XX/XXXX ) yet shows late payments and balances into XXXX, which is inaccurate. 
Under FCRA, information must be accurate, complete, and verifiable. 
I am requesting permanent deletion of this tradeline from all credit bureau reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
This letter serves as a formal dispute of the late payment currently reflected on my credit file. The reporting is incorrect, as my records confirm that payments were never late. This error is damaging, misleading, and unfairly misrepresents my positive payment behavior.

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 2025-09-05 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: TX

Complaint narrative:
I am filing this formal complaint regarding fraudulent hard inquiries appearing on my credit report. I did not authorize these inquiries, nor did I provide consent for them to be conducted. Their inclusion is damaging to my credit standing and misrepresents my financial history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am contacting you regarding accounts that appear on my credit file which are fraudulent in nature. These accounts are not mine and were never opened, authorized, or approved by me. Their inclusion is harmful, inaccurate, and unlawful.

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 2025-09-05 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My credit report has several negative accounts reporting inaccurate that needs attention

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 2025-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: AR

Complaint narrative:
I have been a loyal Chime customer since XXXX  and have rarely experienced any issues until now. On XXXX, XX/XX/XXXX, I did not receive my expected direct deposit. This is concerning because my coworkers, who also bank with Chime, have already received their deposits, and I also received the same deposit in my secondary XXXX account earlier today. This clearly indicates that the funds were released and the issue lies with Chime. 

Chime advertises that customers may receive funds up to XXXX days early ; however, that has not occurred in this instance. I contacted customer service twice to resolve the matter, but the assistance provided was minimal and the hold times were unreasonably long. 

This delay has caused unnecessary inconvenience and does not align with the service standards Chime promotes. I respectfully request immediate resolution of this issue and an explanation as to why the deposit was delayed. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am formally disputing fraudulent accounts that are currently being reported on my credit file. I did not authorize these accounts, nor do they belong to me. Their inclusion is a breach of my personal and financial security, and their continued reporting represents a serious violation of my rights.

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 2025-09-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: VA

Complaint narrative:
I am following up on my dispute of the collection account. To date, no documentation has been provided to verify this account. Reporting unverifiable or inaccurate information violates my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), which requires furnishers to maintain maximum possible accuracy. Continuing to report an unverified collection account is also a violation of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e ), which forbids deceptive practices and misrepresentation of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX XXXX XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: TX

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 2025-09-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
In XX/XX/year>, I used Affirm Pay Later ( via XXXX ) to pay a {$7500.00} legal bill to XXXX XXXX in XXXX, TX. My actual bill was {$4800.00}, with {$2600.00} meant for future services. 

When I received notification that the first installment was due, I immediately spoke to Affirm and learned I could not make payment by credit card. I requested cancellation several times, but XXXX XXXX refused to cancel through their XXXX  system, claiming I had to request cancellation on my own. 

Since then : -Affirm has confirmed multiple times that {$7500.00} was paid to XXXX XXXX in XXXX. They also confirm that cancellation and/ or refunds must be made by the merchant. They keep denying my disputes based on this information. 

XXXX provided me written proof of payment to XXXX XXXX via their customer support e-mail, but they have refused any additional support to solve the issue. I reached out to their CEO today to request that she get involved. 

XXXX XXXX continues to claim no funds were received so they deny cancellation or a refund. They have no point of contact at their company, and I go in circles with them. 

- As of today, Affirm shows I owe {$7500.00} for the loan, while XXXX XXXX claims I still owe them separately. 

- My lawyer at XXXX XXXX withdrew because billing refused to resolve this, leaving me unrepresented. 

-This dispute has severely impacted me. I am stuck in the middle of contradictory statements by Affirm, XXXX, and XXXX XXXX. I am requesting that CFPB investigate the handling of this payment and require resolution of the loan on my credit report. I am ready to pay all legal fees once this issue is solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: CA

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

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