vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-10 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: NJ

Complaint narrative:
Issue : My creditor reported a late payment to the credit bureaus even though I was not notified of the due date at least 21 days in advance, violating 15 U.S.C. 1666b. 

Details : I did not receive my billing statement because they come inconsistantly, and the payment was due on [ insert due date ], giving me less than 21 days to respond. This violates federal law and makes the late payment reporting invalid. I am requesting that the creditor retract the late payment from my credit report and confirm compliance with the 21-day notice requirement.

Impact : This inaccurate reporting has negatively affected my credit score and financial standing 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 2025-11-10 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: NJ

Complaint narrative:
Issue : My creditor reported a late payment to the credit bureaus even though I was not notified of the due date at least 21 days in advance, violating 15 U.S.C. 1666b. 

Details : I did not receive my billing statement because they come inconsistantly, and the payment was due on [ insert due date ], giving me less than 21 days to respond. This violates federal law and makes the late payment reporting invalid. I am requesting that the creditor retract the late payment from my credit report and confirm compliance with the 21-day notice requirement.

Impact : This inaccurate reporting has negatively affected my credit score and financial standing 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 2025-11-09 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: TX

Complaint narrative:
XXXX XXXX is furnishing this account as a Collection/Charge-Off yet still marks Account Not Disputed, even though formal disputes have been on record for months. 
This violates FCRA 623 ( a ) ( 3 ) and 611 ( a ) ( 1 ) ( A ), as well as Metro 2 4.3.1, which mandates furnishers apply dispute coding and halt reporting of unverifiable data. 
Further, balances, past-due amounts, and dates of activity differ between bureausclear factual inaccuracies violating FCRA 607 ( b ) and 623 ( a ) ( 1 ) ( A ).

Under Metro 2 4.2.3, a charge-off with {$0.00} limit and closed status should not continue to report as open or in loss status after charge-off is resolved.

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 2025-11-09 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: PA

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXXXXXX XXXX XXXX XXXX XXXX Date of Charge-Off : XX/XX/year>XXXX  It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt 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 2025-11-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
Credit Acceptance is illegally reporting a void debt and fraudulently manipulating my credit balance after I disputed it I am reporting Credit Acceptance for illegally reporting a debt and manipulating my credit after a dispute. 

Here is a timeline of key events : XX/XX/XXXXXXXX  : Entered the auto loan contract. 
XX/XX/XXXX : Vehicle was repossessed. 
XX/XX/XXXXXXXX  : Credit Acceptance sold my vehicle. They claim a gross sale price of {$2200.00}, but the vehicle 's fair market value was ~ {$7000.00}. This commercially unreasonable sale under NY law voids the deficiency balance they are trying to collect. 
XX/XX/XXXXXXXX  : I sent a formal written dispute to Credit Acceptance explaining the sale was illegal and their credit reporting was inaccurate. 
On or about XX/XX/XXXXXXXX  : After receiving my dispute, Credit Acceptance willfully increased the reported balance by {$20.00} ( from {$13000.00} to {$13000.00} ). This is a fraudulent practice known as " balance cycling '' designed to falsely damage my credit score. I have proof of this alert. 
Credit Acceptance 's Response : They provided a generic response that ignored my arguments about the illegal sale and balance manipulation.

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 2025-11-10 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: NY

Complaint narrative:
XXXX XXXX Closed. Account Number # XXXX Closed account with non-XXXX  balance either a stale balance, inaccurate balance, or a debt sold/assigned. XXXX  XXXX debts frequently are bought/sold ; and the chain of assignment is missing. I have requested a copy of this documentation to provide proof, as verified. NO LETTER WAS MAILED TO CONFIRM VERIFCATION FCRA analysis & UCC relevance, FCRA duties noted above ( 1681e ( b ), 1681i, 1681s-2 ). If debt has been assigned/sold, XXXX  XXXX must prove it has the right to collect or report under general UCC assignment principles ( UCC Art. 9, proof of assignment ) XXXX XXXX  should be able to show the assignment or I demand deletion of THIS account. 
I am demanding a reinvestigation and produce the documents used to verify the balance. 
I am also demanding original contract, account ledger, and chain of assignment. If they cant verify, I am requesting deletion of this account as being reported.

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 2025-11-09 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: TX

Complaint narrative:
XXXX XXXX {$15000.00} XXXX {$770.00} XXXX XXXX {$620.00} XXXX XXXX {$1100.00} I have never been associated with ANY of these companies. My information was leaked in multiple data breeches and due to these breeches my information has been leaked. I have been working tirelessly to correct this with no resolve, please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I got scammed yesterday : XX/XX/year>. I was getting sold concert tickets, and I did not get the tickets authenticated. They said they would refund me, but have not refunded me at all, and they keep delaying the process after receiving the payment. The zelle number is : ( XXXX ) XXXX. They also provided me with this number to Zelle : ( XXXX ) XXXX. The XXXX email they provided : XXXX. The XXXX account they provided : XXXX XXXXXXXX. Their XXXX username : XXXX XXXXXXXX, and their Snapchat : XXXX. I also have the conversation screen-recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: NE

Complaint narrative:
XXXX a girl vwas sending XXXX  XXXX thru Chime she used the sign method, well my sign was exactly the same as another being except my sign had 2 dashes and there sign had 1 dash, everything else the same. Well there sign that's an account hidden so we can't get in touch beith them band Chime won't help us find the account., and the people won't send the money back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: SC

Complaint narrative:
My name is XXXX XXXX XXXX XXXX and I submit this complaint because I have been disputing multiple inaccuracies on my credit reports for over 2 years. Each time I send a dispute to the credit reporting agencies ( Experian, Equifax, TransUnion ), I receive a response that the account ( s ) are verified, yet I am never provided any documentation or validation from the original creditor or collection agency. 

Despite my repeated efforts ( summary of disputes attached ), none of the bureaus or original creditors have provided proper documentation or validation. The reporting agencies rely solely on automated responses that claim verified but give no proof this leaves me with ongoing damage to my credit despite being unable to confirm any legitimate balance, account number, or creditor relationship. 

I believe these practices violate the Fair Credit Reporting Act : Section 611 ( 15 U.S.C. 1681i ) requires deletion of unverifiable information after reinvestigation. Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) requires maximum possible accuracy of credit reports. The Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) requires proper validation upon my written request.

In the case of medical collections and authorized-user accounts, current policy changes and issuer practices that allow removal when data can not be validated or when I am no longer an authorized user.

I respectfully request that the CFPB review this situation and assist with enforcement of my rights to have these items removed or properly investigated with documentation. I am prepared to provide my credit reports, dispute history, screenshots, and my prior correspondence to support this claim. 

Thank you for your time and attention to this matter. 

Sincerely, 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 2025-11-09 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: SECURITY FINANCE CORP
State: SC

Complaint narrative:
Yes I agree to a settlement agreement on {$5900.00} to remove my account to a full paid for less of agree but never changed my account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
Company : JPMorgan Chase Bank , N.A . Product : Credit Card XXXX XXXX XXXX XXXX ) Problem : Fees or charges Complaint Narrative I am filing this complaint because JPMorgan Chase has refused to provide any refund ( full or prorated ) for the annual renewal fee on my XXXX XXXX XXXX credit card, despite my request to cancel the account. 

The annual fee of {$140.00} was posted to my account on XX/XX/year>. 

I contacted Chase on XX/XX/year> to close the account. This date is after the fee posted, putting me outside of the bank 's standard XXXX full refund window for cancellation. 

During my call with Chase representative, I was informed that because I am past the XXXX period, no refund of any kind would be issued, even a prorated refund for the remaining 9 months of the card year. 

As a customer with a long-standing relationship with Chase, I requested that Chase make a reasonable exception to policy, or at the very least offer a prorated refund of the unused portion of the fee. 

Chase 's XXXX  department refused to offer any resolution, stating that their policy forbids any refund after 41 days. This all-or-nothing approach is unreasonable for a long-term customer who is attempting to close a paid-off account and is now being forced to pay for an entire year of benefits I will not use.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-09 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: SC

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability my security clearance. It is my understanding that you will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : 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 2025-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Corp Solutions Inc.
State: CA

Complaint narrative:
Last year I paid {$100000.00} to credit cards in minimum payments, large payments and in interest that disappeared the payment to nothingand added up to no added debt paid. Im suffering with bad credit. I paid {$1000.00} 's in debt and i paid NO debt?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently reviewed my TransUnion report dated XX/XX/year>XXXX  and found several items that appear to be fraudulent or incorrectly reported. 
Im submitting this request under my rights in the Fair Credit Reporting Act, specifically section 605C-2 ( 15 U.S.C. 1681c-2 ), which allows a consumer to have information blocked when it results from identity theft or error. 
Below are the accounts that must be re-verified or blocked.

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 2025-11-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Self Financial Inc.
State: FL

Complaint narrative:
Self Financial / Lead Bank Attn : Credit Reporting or Collections Department XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX Re : Request for Debt Validation Account : SBNASELFLNDR  To Whom It May Concern : I am writing to request validation of an alleged debt reported or claimed under the name SBNASELFLNDR  ( Self / Lead Bank ). This request is made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and, where applicable, the Fair Credit Reporting Act ( FCRA ). 

I recently noticed this account listed on my credit report and/or received correspondence indicating that I owe a balance. Before I take any action regarding this account, I request verification and documentation of the debt. 

Please provide : 1. The name and address of the original creditor, and confirmation that you are the current owner or servicer of the debt.

2. The exact amount owed, including an itemized list of principal, interest, and fees.

3. A copy of the original agreement or contract that shows I am legally obligated for this account.

4. The date the account was opened, date of default or last payment, and a record of payments made ( if any ).

5. Documentation verifying that Self Financial / Lead Bank or any third-party collector is legally authorized to collect this debt. 

Until you provide all requested validation, please consider this debt disputed. Under the FDCPA, you must cease all collection activity, including reporting this debt to any credit bureaus, until full validation is provided. 

Please respond in writing to the mailing address above. I also request that all future communications regarding this account be made in writing only. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: MARINER FINANCE, LLC
State: VA

Complaint narrative:
Ma

riner Finance continues to report a late payment while the account incorrectly shows Account Not in Dispute. This is false. This item has been disputed multiple times with no validation or supporting documentation provided.

Under FCRA 623 ( a ) ( 3 ), furnishers must update the account to reflect the dispute status.

Failure to do so constitutes willful misreporting under FCRA 623 ( a ) ( 1 ) ( A ) and 607 ( b ).

Per Metro 2 4.2.2 and 4.3.1, derogatory data must be validated with actual documentation not system screenshots or hearsay files. 
No bank statements or payment records have been provided to support the alleged delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
15 U.S.C. 1681c ( a ) ( 5 ) Adverse information older than 7 years may not be reported ; therefore, any alleged account beyond this period are obsolete and must be removed.

XXXX XXXX, is being reported 7 years, 4 month, beyond the 7 year period.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: TX

Complaint narrative:
On XX/XX/year>, I mailed a dispute letter to TransUnion disputing the completeness and accuracy of accounts on my credit report. I recently received a response from TransUnion that was issued by them on XX/XX/year>XXXX  that they received my dispute but they would not process it because they are assuming it was not authorized by me. I'm not sure why they think that as I am trying to fix my own credit and these inaccuracies are harming my ability to obtain credit. I am demanding that TransUnion do its job and conduct a proper investigation on the accounts I am trying to dispute.

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 2025-11-09 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: Aldous & Associates, PLLC
State: UT

Complaint narrative:
AFFIDAVIT OF DISPUTE This formal Affidavit of Dispute is submitted to the Consumer Financial Protection Bureau ( CFPB ) under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) on behalf of the consumer, XXXX XXXX. 
The collection account reported by Aldous & Associates PLLC for XXXX XXXX is inaccurate, incomplete, and unverifiable, appearing solely on the consumers XXXX  credit file. 

Under 15 U.S.C. 1681e ( b ), XXXX must ensure maximum possible accuracy in every consumer report.

Reporting unverifiable or inconsistent data constitutes a violation of this section. 

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), a reasonable investigation requires competent evidence and original validation not automated or XXXX data matching.

Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if the information can not be verified, it must be promptly deleted from the file.

Under FDCPA 1692g, Aldous & Associates must provide full debt validation, including the signed membership contract, itemized billing statement, and assignment of rights from the original creditor ( XXXX XXXX ). 
No such documentation has been provided to the consumer. 

Additionally, under FCRA 611 and XXXX XXXX XXXX XXXX, XXXX  is required to report only verified, consistent, and fully validated data. 
This account fails to meet those standards and continues to harm the consumers creditworthiness without lawful substantiation. 



DEMAND FOR RELIEF The consumer requests that the CFPB investigate and require Aldous & Associates and XXXX to provide competent evidence of the alleged debt. 
If such documentation can not be produced within the required timeframe, the consumer demands permanent deletion of this collection account from all credit reporting databases and an immediate cease of any further collection activity. 

Failure to comply constitutes willful noncompliance under 15 U.S.C. 1681n and 1681o, and may result in civil penalties for continued inaccurate reporting or lack of proper validation

Company response to consumer: Closed with explanation