vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Atlanticus Services Corporation
State: MD

Complaint narrative:
I contact the company asking why the account was closed when the payment was paid I never received a letter saying the account was closed, According to 15 usc1692c I am asking them to removed this from my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: MS

Complaint narrative:
Im expressing concern about Zelles poor dispute handling, citing the CFPB lawsuit that exposed major flaws in the platform. Despite reporting issues multiple times, neither Zelle nor your bank properly investigated or help recover lost funds. I believe Zelles lack of accountability and transparency has left consumers unprotected and vulnerable to scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : XXXX} CHILD SUPPORT XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$38000.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-10-06 00:00:00
Product: Credit card — Store credit card
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: GA

Complaint narrative:
Against : Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Account in Question : Comenity Capital / Sephora Credit Card Opened : XX/XX/XXXX Limit : {$650.00} Complaint Summary Equifax has engaged in unlawful reinsertion of late payment history on my XXXX XXXX account XXXX 
This account originally showed XXXX late payments across XXXX and XXXX. 
After I disputed, Equifax removed XXXX of those late payments, acknowledging inaccuracies. 
Recently, those XXXX late payments were reinserted without written notice, which is a violation of the Fair Credit Reporting Act ( FCRA ). 
My Recent XXXX history from XXXX apps clearly shows how the account was previously marked XXXX for certain months, and later changed back to XXXX. 

This reinsertion occurred without any notice mailed to me within XXXX business days, as required by law. 



FCRA Violations 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] Equifax must assure maximum possible accuracy in consumer reports.

611 ( a ) ( 5 ) ( B ) [ 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ] Prohibits reinsertion of deleted items without : 1. Obtaining certification of accuracy from the furnisher, and 2. Providing the consumer written notice within 5 business days.

609 [ 15 U.S.C. 1681g ] Requires the method of verification upon request. No original documents or proof were provided.

623 [ 15 U.S.C. 1681s-2 ] Prohibits knowingly reporting inaccurate or misleading information. 



Supporting Evidence Screenshots of Recent Changes showing original statuses ( XXXX ) later changed to ( XXXX ). 
Proof that I never received written notification of reinsertion. 
Prior dispute results showing Equifax removed XXXX late payments, then reinstated them. 

Notice of XXXX XXXX I set a deadline of XX/XX/XXXX for correction. If this is not resolved by then, my attorney will be filing a lawsuit beginning XX/XX/XXXX, seeking : {$1000.00} per violation under 15 U.S.C. 1681n, Actual damages for harm caused by inaccurate reporting, XXXX fees and court costs. 



Signed, XXXX Victory Glory XXXX Date : XX/XX/XXXX 2025

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: NC

Complaint narrative:
i am writing to formally express my concerns regarding chimes handling of disputes, particularly in light of the recent CFPB lawsuit, highlighting significant issues with the platform. Despite using chime numerous times and reporting discrepancies my financial institution and chime fail to investigate my claims adequately. They informed me that recovery was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that chime has not only neglected to protect consumers, but also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. dislike of accountability and transparency is unacceptable and raise a serious concern about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: WI

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED COLLECTION - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-10-06 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES XXXX XXXX XXXX XXXXate : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-10-06 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: Transform Credit Inc.
State: FL

Complaint narrative:
I am filing a complaint regarding an unauthorized hard inquiry made by Transform Credit Inc, which appears on my credit report with an inquiry date of XX/XX/year>. 

I have never applied for a personal loan or any credit product with this company. I did not give them permission, verbally or in writing, to access my credit report. I have no relationship with Transform Credit Inc and never provided my information to them for any credit application. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a hard credit inquiry can only be made with a permissible purpose, such as a credit application initiated by the consumer. Since I did not apply for credit with this company, this inquiry was made without my consent and is a violation of the FCRA. 

I am requesting the following actions : That Transform Credit Inc provide documentation or proof ( e.g., a signed loan application or written authorization ) showing I initiated a credit request. 

If such documentation can not be produced, I request the immediate removal of this hard inquiry from all credit reporting agencies under FCRA 611 ( a ).

That the CFPB investigate whether this was a case of fraud, misattribution, or identity misuse and ensure my rights as a consumer are protected.

This unauthorized hard inquiry is negatively affecting my credit score and was done without any lawful basis. I request the Bureau 's assistance in resolving this matter promptly and ensuring compliance with federal consumer protection laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have encountered difficulties accessing my Experian Credit Bureau account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

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 2025-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I filed an auto insurance claim with USAA Property & Casualty Insurance. They confirmed they paid me {$1900.00} on XX/XX/2025, but I never received that money. Later, I learned that USAA Federal Savings Bank ( which handles my accounts ) reopened a closed account ending in XXXX and deposited the funds there without my authorization. 

That account had been officially closed, and USAA sent me letters confirming it was only reopened temporarily for internal transactions. The money was never returned to me, and I did not consent to this transaction. 

I have been asking for the funds to be reissued to my active checking account ending in XXXX, but USAA has delayed resolution and recently reduced my settlement amount instead.

This feels like mishandling of funds and possible unauthorized account activity, and Im seeking CFPB assistance to ensure the full amount is recovered and this practice is reviewed.

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 2025-10-06 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: Self Financial Inc.
State: NC

Complaint narrative:
This correspondence serves as a formal and comprehensive dispute notice under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). I am requesting a full reinvestigation of several accounts currently being reported on my XXXX  credit report that appear to be inaccurate, incomplete, or unverifiable as of the report dated XX/XX/year>. 

Under FCRA 607 ( b ), XXXX  is legally required to ensure all consumer credit information is reported with maximum possible accuracy. The accounts listed below fail to meet that standard and must be either fully verified with documentation or permanently deleted from my credit file within 30 days, pursuant to FCRA 611 ( a ) ( 5 ).

The disputed items are as follows : 1. XXXX XXXX XXXX Charged-off account showing inconsistent balance and status.

2. XXXX XXXX XXXX XXXX ( Account # XXXX ) Paid/Closed account reporting inaccurate late payments.

3. XXXX XXXX XXXX XXXX ( Account # XXXX ) Paid/Closed account with unverifiable delinquency.

4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection account lacking proof of assignment, validation, or contract.

5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Debt buyer account reported without chain of title or supporting evidence.

Each of these tradelines has been challenged individually in the attached dispute letters, citing the applicable sections of the FCRA and FDCPA that require verification or removal.

I request that XXXX  conduct a complete reinvestigation of each disputed account, contact the furnishers for documented verification, and provide me with the following : The method of verification used for each tradeline ( FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) ) ; The names, addresses, and phone numbers of each entity that verified the data ; and Written confirmation of deletion or correction of all unverifiable items.

If XXXX  or any furnisher fails to respond with verifiable proof within 30 days, the law requires deletion of the disputed information. Continued reporting of unverifiable or inaccurate data constitutes willful noncompliance under FCRA 616 and 617, for which civil remedies are available.

Please process this dispute in accordance with federal law and send written confirmation of all results to my mailing address listed above.

Thank you for your prompt attention. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: CBC Companies, Inc.
State: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AMERICAN EXPRESS COMPANY

Complaint narrative:
They stole my card information, the bank allowed it, then they found out it was fraud and with great difficulty they returned the money, however, the interest remained, this is absurd, I lost my score, I lost miles, all due to the bank 's lack of security.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " Federal - XXXX AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court Bankruptcy - XXXX - 15 USC that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : XXXX. XXXX. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-10-06 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: MS

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " Federal - XXXX AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court Bankruptcy - XXXX - 15 USC that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : XXXX. XXXX. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company response to consumer: Closed with explanation