vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
I am writing to formally dispute an account appearing on my credit report that contains inconsistent and inaccurate reporting of the account closure date across all three major credit bureaus.

The account in question is : Creditor/Lender Name : Barclays Bank Delaware Account Number : The account numbers, Date Closed, and payment history for this account is being reported differently across the following credit bureaus : XXXX  reports : account number as XXXX, Date Closed ; XX/XX/XXXX and late payments XX/XX/XXXX through XX/XX/XXXX with 4 - 90 days late XXXX  reports : account number as XXXX, Date Closed : XX/XX/XXXX and late payments XX/XX/XXXX through XX/XX/XXXX with 19- 90 days late XXXX  reports : account number as XXXX, Date Closed : XX/XX/XXXX and no late payments reporting. 

This is a clear violation of the Fair Credit Reporting Act, specifically : 15 U.S.C. 1681e ( b ) This requires credit bureaus to maintain maximum possible accuracy in the information they report.

15 U.S.C. 1681i ( a ) This section requires credit bureaus to reinvestigate any disputed item that is incomplete or inaccurate.

Due to the inconsistent reporting of the closure date, the account is being presented in a false and misleading manner, which affects the accuracy of my credit profile and creditworthiness.

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Having always paid on time, I believe this late entry is a mistake and should be promptly removed. Kindly amend my credit records.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally disputing the following collection accounts reported on my credit file, as these accounts should be deleted according to 15 U.S. Code 1681c-2. I am requesting a thorough reinvestigation and deletion of any unverifiable, outdated, or inaccurate accounts.

Please review and remove the following collection agency accounts from my credit report : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Chime Financial Inc
State: WI

Complaint narrative:
XX/XX/ 2024 had a deposit of {$4000.00} and it was on my car it showed it was on my car then when I tried to use the funds there was no funds available. I did called XXXX. They told me that they seen the deposit but they when we got further to the conversation. They said they did not see the deposit it was wiped off my account. I even requested paper forms. I sent emails no response. I was not aware of them using a third-party or giving out my information to a third-party. My personal information was used.

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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am filing this complaint against XXXX XXXX for inaccurate credit reporting. My XXXX XXXX  account has been closed, but it is still showing as active with a balance on my credit report. Additionally, there are negative marks and late payments being reported, even though I have never made a late payment on this account.

I have disputed this account with all three credit bureaus ( Experian, Equifax, and TransUnion ), but the inaccurate information remains. I have contacted XXXX XXXX  directly, but they have failed to provide any resolution or proper documentation to support their claims. They continue to give me the runaround without correcting the inaccuracies.

This is a direct violation of the Fair Credit Reporting Act ( FCRA ), which requires that all information furnished to the credit reporting agencies must be accurate and verifiable. I am requesting that the CFPB investigate this matter and require XXXX XXXX  to : Correct the account status to Closed with a {$0.00} balance.

Remove all negative marks, including any false late payment history, as I have never missed a payment on this account.

Ensure that only accurate, verified information is reported to all three credit bureaus.

Timeline of Actions Taken : I have disputed this account with all three credit bureaus, but the incorrect data continues to be verified without proper investigation. 

I have contacted XXXX XXXX  multiple times, but they have not corrected the reporting or provided any valid explanation.

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 card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
Capital One Bank sent out credit card statement through USPS. Payment due date is XX/XX/XXXX. We didn't receive this letter over the XX/XX/XXXX long holidays till XX/XX/XXXX in our mail box and paid in full {$5300.00} let the balance become XXXX right away. Today XX/XX/XXXX we got another Capital One letter showing we need to pay past due fee {$29.00} and Interest charge {$71.00} total balance is {$100.00}. I Called Capital One Managers they refused to waive the late fee and interest.

Under federal law ( CARD Act of 2009 ), if a credit card due date falls on a weekend or holiday, the due date must be extended to the next business day ( in your case, Monday, XX/XX/XXXX ). So my payment should have been considered ON TIME if paid by Monday, XX/XX/XXXX. 

That means : No late fee ( {$29.00} ) should have been charged No interest ( {$71.00} ) should have been applied if your prior balance was paid in full by XX/XX/XXXX You paid in full on the first business day after the weekend due date. This should NOT have been treated as late.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 2025-07-25 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: LEXISNEXIS
State: CA

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously XXXX, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life.

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history.

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: DISCOVER BANK
State: TX

Complaint narrative:
I am writing to formally dispute the accuracy and verifiability of the above-referenced account being reported by DISCOVER BANK to XXXX XXXX and XXXX. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ), as a data furnisher, you are required to report only information that is complete and accurate. Furthermore, upon receiving a direct dispute from a consumer, you are obligated under 15 U.S.C. 1681s-2 ( b ) to conduct a reasonable investigation and correct or delete any information that can not be verified.

To date, DISCOVER BANK has failed to provide any documentation to lawfully verify the accuracy of this account. I am formally requesting documentation that substantiates this reporting, including a complete payment history, a copy of the original signed contract, and verifiable proof of any derogatory status being reported. If DISCOVER BANK can not fully verify the accuracy of this information, you are required by law to request the deletion of this account from all consumer reporting agencies.

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 request your help to look into accounts from these companies that are inaccurately reporting late payments. After examining my credit report, I noticed some accounts wrongly show late payments. There should be no late payment remarks on these accounts. Please remove those remarks and update the accounts as agreed to positive.

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 — Information belongs to someone else
Company: ID Analytics, Inc.
State: CA

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life.

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history.

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: NJ

Complaint narrative:
I disputed several negative accounts that all show a {$0.00} balance or have been fully paid, yet the credit bureaus and furnishers refuse to remove them from my credit report. Despite providing proof of payment, settlement, and formal disputes ( including multiple CFPB complaints since XX/XX/year> ), these items remain and continue to harm my credit. 

Examples include : XXXX XXXX XXXX : paid in full, still reporting as a collection/chargeoff XXXX : {$0.00} balance, still showing as a derogatory account XXXX XXXX XXXX  auto loan : closed, {$0.00} balance, incorrectly marked as joint without my authorization All companies have been notified, but the accounts have not been removed, violating the FCRA and New Jersey law . The statutory dispute window is long overdue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I disputed several negative accounts that all show a {$0.00} balance or have been fully paid, yet the credit bureaus and furnishers refuse to remove them from my credit report. Despite providing proof of payment, settlement, and formal disputes ( including multiple CFPB complaints since XX/XX/year> ), these items remain and continue to harm my credit. 

Examples include : XXXX XXXX XXXX : paid in full, still reporting as a collection/chargeoff XXXX : {$0.00} balance, still showing as a derogatory account XXXX XXXX XXXX  auto loan : closed, {$0.00} balance, incorrectly marked as joint without my authorization All companies have been notified, but the accounts have not been removed, violating the FCRA and New Jersey law . The statutory dispute window is long overdue.

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 2025-07-26 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

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 2025-07-26 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: CBC Companies, Inc.
State: CA

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: MD

Complaint narrative:
I am requesting your help in opening an investigation into the accounts listed, as they appear to be inaccurately reported on my credit report. Pursuant to USC 1681g, I am seeking their removal within 15 days. Enclosed are all relevant documents to support my claim. Its also important to note that the details reported for these accounts vary significantly across the major credit bureaus and are not accurate.

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: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Special Financing Company, LLC
State: CA

Complaint narrative:
I was misled into a loan through Special Financing for real estate coaching from XXXX XXXX / XXXX XXXX XXXX. The service was never delivered. XXXX XXXX ghosted me after taking the funds, and Special Financing is now trying to collect payment. 

Ive asked them to cancel the loan due to fraud, and they refused. They are threatening collections despite receiving full documentation that the transaction was illegitimate. This is abusive and predatory financing behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: EQUIFAX, INC.
State: MI

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: MD

Complaint narrative:
I am requesting your help in opening an investigation into the accounts listed, as they appear to be inaccurately reported on my credit report. Pursuant to USC 1681g, I am seeking their removal within 15 days. Enclosed are all relevant documents to support my claim. Its also important to note that the details reported for these accounts vary significantly across the major credit bureaus and are not accurate.

Company response to consumer: Closed with explanation