vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: WA

Complaint narrative:
I was scammed out of {$250.00} by someone claiming to be selling XXXX XXXX concert tickets. On Monday, XX/XX/XXXX, the seller contacted me through a different XXXX account after seeing that I had commented on a concert-related video. They messaged me directly, offering tickets and began explaining the details including the price, how many tickets I was buying, and that the tickets were supposedly from XXXX. They even showed me the section and seat numbers to make it sound legitimate. 

The seller then moved the conversation from XXXX to text message and provided an email. They claimed to live in XXXX, WA, and we agreed to meet halfway to exchange the tickets in person. I took time out of my day and drove toward the meeting point, but 15 minutes before the agreed-upon exit, the seller made an excuse and canceled. I felt confused, suspicious, and like my time had been wasted. 

On Wednesday, XX/XX/XXXX, the seller reached out again and sent me a screen recording of what appeared to be the tickets. It looked very real, and they reassured me everything was legitimate. I told them I wouldnt send any money until I received the tickets. They agreed and actually sent the tickets, which I was able to add to my XXXX XXXX. 

Believing everything checked out, I sent {$250.00} via Chime to pay for the tickets. After that, I asked why the tickets hadnt shown up in my XXXX account, and they began giving excuses. They claimed they had contacted XXXX and then promised to refund me. I kept pushing for my money back, and even told them I would get the police involved. 

The very next day, Thursday, XX/XX/XXXX, I went to my local police department and filed a formal fraud report. I then called Chime and begged them to help me. I explained I had been scammed and was in a desperate financial situation, and that I did not realize this was fraud until after the seller stopped responding. I asked them to review the case, but I was told over and over again that because I authorized the payment, they couldnt help me. 

I am requesting a full investigation and a refund under Regulation E, as this was clearly a fraudulent transaction. The payment was made under manipulation and deception, not in a legitimate sale. I did not receive what I paid for, and I took all the proper steps to report the scam as soon as I realized it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 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 2025-07-25 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 because the consumer reporting agency failed to meet 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 detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the XXXX timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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:
I am formally disputing the accuracy and validity of the following inquiries listed on my credit report. I assert that these inquiries are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 

XXXX XXXX. Inquired on XX/XX/XXXX XXXX BANK, XXXX XXXX on XX/XX/XXXX XXXX  Inquired XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX BANK XXXX 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 XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, 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 explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX, GA XXXX XXXX XXXX Date : XX/XX/year> To : Credit Bureaus Re : Dispute of Collections Account # [ XXXX, XXXX ] Dear Sir/Madam, I am writing to formally dispute the collections account listed on my credit report under the account number referenced above. Under 15 U.S. Code 1681i, I have the right to dispute any information on my credit report that I believe to be inaccurate, incomplete, or unverifiable.

I demand that you conduct a full investigation of this account in compliance with Section 1681i ( a ), which requires that the information be verified, corrected, or deleted if it can not be substantiated. As per Section 1681s-2, it is also the responsibility of the furnisher of information to ensure the accuracy of the data they are providing to the credit bureaus.

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ), a collections account must be fully validated with supporting documentation from the original creditor. If such validation can not be provided, this account must be removed from my credit report immediately. 

I expect this matter to be resolved within 30 days as required by law, and I look forward to your timely response. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX 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 explanation
Consumer complaint received 2025-07-25 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: CT

Complaint narrative:
I disputed the accuracy of account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, on my credit report, as it remains unverified despite my prior dispute. Under 15 U.S.C. 1681i, The credit agencies must conduct a reasonable investigation and remove unverified accounts within 30 days. Additionally, 1681e ( b ) requires procedures to ensure maximum accuracy. Your failure to validate this account with a signed contract or payment history violates these provisions and contract law principles, as no evidence of mutual assent or consideration exists, rendering the debt unenforceable. This inaccuracy has caused significant harm, including denial of a USDA XXXX XXXX XXXX due to my credit score, resulting in financial losses. Precedents like 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 ) affirm consumer remedies for FCRA violations and inaccurate reporting. I demand immediate deletion of this account and written confirmation by XX/XX/XXXX. Provide a detailed investigation report, including all evidence reviewed. Failure to comply will prompt legal action for FCRA violations, defamation, and damages, with all correspondence documented for litigation. Contact me at XXXX to confirm compliance. All rights under FCRA and state law are reserved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Maximus Federal Services, Inc.
State: LA

Complaint narrative:
I am disputing the listed account on my credit report due to a lack of validation and proof regarding the debt. The original creditor has failed to provide adequate documentation verifying this account belongs to me and that the information you are reporting is accurate. 

Account # : DEPT OF ED/XXXX XXXX XXXX  As stated in Section 609 ( a ) ( 4 ) of the Fair Credit Reporting Act, in the event a consumer disputes the accuracy or completeness of information in their credit file, consumer reporting agencies are required, " to promptly provide notification of dispute to the furnisher of information ''. Therefore, I formally request that you immediately notify the information furnisher of my dispute regarding this fraudulent account. 

Additionally, pursuant to Section 611 and Section 623 of the Fair Credit Reporting Act, as a furnisher of information to consumer reporting agencies, the listed creditor has a duty to fully investigate disputes initiated by a consumer after receiving notice from the CRA. 

I further demand that the furnisher send me hard-copy documentation validating this debt. This includes, but is not limited to : The original account application Terms & conditions I agreed to Proof this account was properly assigned to collections If adequate validation is not provided by [ XX/XX/XXXX XXXX XXXX XXXX, I demand this unauthorized account be completely removed from my credit report. 

You can send the response with account validation to me via email or postal mail. If you have questions or need additional information, please contact me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: RI

Complaint narrative:
ALL ACCOUNTS LISTED BELOW ARE ALL CAUSED BY IDENTITYTHEFT FRAUD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XXXX XXXX ( Last 4 ) : XXXX Email : XXXX Dear CFPB Representative, I am submitting this formal complaint to request your immediate assistance in resolving multiple Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) violations related to the reporting of the following accounts by the major credit bureaus and their associated furnishers : Complaint for Equifax, Transunion, and Experian XXXX. XXXX XXXX  Account # : XXXX Status : Paid Issue : Still reporting with inaccurate information, please delete Reported inconsistently across Equifax, Experian, and TransUnion Marked as charge-off despite being paid years ago, and is destroying credit Unverifiable details and failure to provide documentation upon request Violations : FCRA 607 ( b ), 609 ( a ), 611 ( a ) ; FDCPA 807 ( 8 ) 2. XXXX Account # : XXXX & XXXX Status : Paid Issue : Please delete, I see 2 different XXXX accounts on my report as I do not have an XXXX XXXX card Inconsistent reporting across bureaus ( ownership, balance, high credit, comments ) Lacks documentation verifying accuracy of account and payment details Failure to provide proof of legally enforceable obligation Violations : FCRA 607 ( b ), 609 ( a ), 611 ( a ) ; FDCPA 807 3. XXXX  Account # : XXXX Status : Closed Issue : Reporting errors in ownership Account is unverifiable no substantiating records or contract has been provided Possible re-aged data that misleads about current status Violations : FCRA 609 ( a ), 611 ( a ), 623 ( a ) ( 5 ) ; FDCPA 807 ( 8 ) My Efforts to Resolve I have submitted disputes directly to the credit bureaus per FCRA 611, requesting deletion due to inaccuracy and unverifiability. To date, these items remain on my reports without valid documentation or correction, causing ongoing damage to my creditworthiness, this is my 3rd time sending letters and still no resolution.

Please Help Me!

Requested Resolution I respectfully request that the CFPB : 1. Order the permanent deletion of the listed unverified accounts and confirmation 2. Confirm resolution in writing.

3. Accurate Information Across all credit bureaus These inaccurate accounts are obstructing my financial progress and represent a clear violation of federal law. I appreciate your assistance in enforcing the protections afforded to me as a consumer. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XXXX XXXX ( Last 4 ) : XXXX Email : XXXX Dear CFPB Representative, I am submitting this formal complaint to request your immediate assistance in resolving multiple Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) violations related to the reporting of the following accounts by the major credit bureaus and their associated furnishers : Complaint for Equifax, Transunion, and Experian XXXX. XXXX XXXX  Account # : XXXX Status : Paid Issue : Still reporting with inaccurate information, please delete Reported inconsistently across Equifax, Experian, and TransUnion Marked as charge-off despite being paid years ago, and is destroying credit Unverifiable details and failure to provide documentation upon request Violations : FCRA 607 ( b ), 609 ( a ), 611 ( a ) ; FDCPA 807 ( 8 ) 2. XXXX Account # : XXXX & XXXX Status : Paid Issue : Please delete, I see 2 different XXXX accounts on my report as I do not have an XXXX XXXX card Inconsistent reporting across bureaus ( ownership, balance, high credit, comments ) Lacks documentation verifying accuracy of account and payment details Failure to provide proof of legally enforceable obligation Violations : FCRA 607 ( b ), 609 ( a ), 611 ( a ) ; FDCPA 807 3. XXXX  Account # : XXXX Status : Closed Issue : Reporting errors in ownership Account is unverifiable no substantiating records or contract has been provided Possible re-aged data that misleads about current status Violations : FCRA 609 ( a ), 611 ( a ), 623 ( a ) ( 5 ) ; FDCPA 807 ( 8 ) My Efforts to Resolve I have submitted disputes directly to the credit bureaus per FCRA 611, requesting deletion due to inaccuracy and unverifiability. To date, these items remain on my reports without valid documentation or correction, causing ongoing damage to my creditworthiness, this is my 3rd time sending letters and still no resolution.

Please Help Me!

Requested Resolution I respectfully request that the CFPB : 1. Order the permanent deletion of the listed unverified accounts and confirmation 2. Confirm resolution in writing.

3. Accurate Information Across all credit bureaus These inaccurate accounts are obstructing my financial progress and represent a clear violation of federal law. I appreciate your assistance in enforcing the protections afforded to me as a consumer. 

Sincerely, XXXX 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 explanation
Consumer complaint received 2025-07-25 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: PA

Complaint narrative:
I am filing this complaint regarding an account from XXXX XXXX XXXX ( Account # : XXXX ) that was previously removed from my credit report but has since been reinserted by XXXX  and Equifax without proper notice or explanation. 

According to the Fair Credit Reporting Act ( FCRA ), when a previously deleted account is reinserted into a consumer 's credit file, the credit bureau is legally required to provide written notice within five business days. I have not received any such notification explaining why this account was re-reported, by whom, or with what supporting documentation. Furthermore, XXXX  has not reinserted this account, which raises questions about the consistency and validity of the reinsertion by the other two bureaus. 

This unverified and unexplained reinsertion is causing damage to my credit profile and appears to violate my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upstart Holdings, Inc.
State: PA

Complaint narrative:
I sent them over XXXX letter, I called and I also submitted online. I attached the letters. They have months that show Charge off that were not a charge off. I asked them to remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I signed up for a Lowes credit card through Synchrony Bank on XX/XX/year> at around XXXX est. I added the card to my XXXX XXXX and immediately got a text message from Synchrony saying there was a fraud alert. The card could no longer be used. I spoke to the fraud department and the agent was very hard to understand. They said purchase had been made and asked me to verify. I told them I was on the Lowes site shopping but did not complete a purchase. I asked to talk to a supervisor and told him the same thing. I told him I did not complete a purchase and he said they would have to cancel the card and reissue a new one. Before he did it I asked about getting the new account number because I wanted to make a purchase tonight. He said I could go into my Lowes account and it would find the new card number. After two hours of trying I called Synchrony Bank back around XXXX est. I spoke to the agent and explained the situation again. She then told me that the new card number would not be available for 48 hours. I told her to cancel the account because I need to make the purchase now and the only reason I signed up was for the discount. She then proceeds to me they can not cancel for 48 hours and I would have to call back. I feel I was taken advantage of and these are unfair and deceptive practices. Further more their customer reps or supervisors either dont know the policies or they lied to 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 explanation