vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 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: NY

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX * * * * ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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:
I bear no affiliation with these accounts ; please ensure they are deleted within 15 days in line with USC 1681g.

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
To Whom It May Concern, I am submitting a formal dispute regarding the accuracy of an account reported by XXXX. I am a victim of predatory lending, and the loan terms associated with this account were unfair and not clearly or properly disclosed. As a result, the information being reported on my credit file is inaccurate and misleading. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, all information furnished to consumer reporting agencies must be fair, accurate, and verified. Additionally, under FCRA Sections XXXX, credit bureaus and furnishers may  be held liable for reporting false, inaccurate, or unverifiable information. 

I am requesting an immediate reinvestigation of this account. If XXXX can not provide complete and original documentation that fully verifies the accuracy and legitimacy of this account, I am requesting its prompt deletion from my credit report. 

Please provide written confirmation of the results of your reinvestigation. 

Thank you for your attention to this 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 2025-12-02 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: MO

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing

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 2025-12-02 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: FL

Complaint narrative:
I lost my wallet and became a victim of identity theft while I was abroad recently. As a result, several fraudulent accounts appeared on my credit report. I did not authorize or open any of these accounts, they do not belong to me so kindly remove them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: Experian Information Solutions Inc.
State: NY

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 " XXXX XXXXXXXX XXXX NY XXXX - XX/XX/2024 VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court New York XXXX XXXX  XXXX XXXX XXXX XXXX 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 : 1. 2. 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 XXXX  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 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: OK

Complaint narrative:
Hello, its hard to give exact dates but can if necessary but to sum it up. I have been dealing with this for well over six months with a bunch of fraudulent charges and this is a first for me because Ive had discovered since 2004 and never have once had to file a fraudulent charge issue up until six months ago and everything seemed to be fine and they were all proven to be fraudulent, but then they made a new account for me and for some reason when the new account was made The credits that were applied to my account were transferred over to the new account and then charged twice for each one if that makes sense so now my card is over by like XXXX XXXX  and I have called countless times and been told that I would receive call back And that it would be removed and Im getting charged interest on all of this and its just absolutely ridiculous cause I have been a valuable customer with multiple Discover cards and accounts for well over 20 years and this is how you guys

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: FL

Complaint narrative:
Experian is reporting inaccurate and obsolete negative information about a paid and closed auto loan. The alleged XXXX late payment occurred in XX/XX/XXXX, making it more than XXXX XXXX XXXX, and therefore obsolete under FCRA 605 ( a ) ( 5 ). Despite this, Experian continues to flag the account as Potentially Negative, even though the loan was fully satisfied in XXXX. 

I disputed this information with Experian, but they failed to conduct a reasonable reinvestigation as required by FCRA 611 ( a ) ( 1 ). They also did not provide a legally required Method of Verification under FCRA 611 ( a ) ( 7 ). Experians refusal to correct this outdated derogatory mark violates FCRA 607 ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy.

TransUnion and Equifax do NOT report this account as negative. Experian is the only bureau reporting this outdated derogatory information, demonstrating that Experians data is inaccurate, inconsistent, and unverifiable. 

I am requesting CFPB assistance because Experian continues to report false, obsolete data after multiple disputes, contrary to federal law.

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 2025-12-02 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:
I am filing this complaint because several items on my credit reports appear to be inaccurate, unverifiable, or reported inconsistently across the credit bureaus. I am requesting a full investigation into each of the disputed accounts and inquiries listed below. I am asking the CFPB to help ensure that each bureau follows the FCRA by verifying all information with proper documentation or removing anything that can not be validated. 
Charged-Off / Collection Accounts I dispute the following Experian accounts for inaccurate dates, balances, or unverifiable information : XXXX XXXX XXXX Acct XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX {$420.00} XXXX Acct XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX {$2900.00} XXXX  Acct XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX {$1400.00} XXXX XXXX Acct XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$2100.00} XXXX XXXX  XXXX XXXX Acct XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX {$13000.00} XXXX XXXX  XXXX XXXX Acct XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX {$6900.00} These accounts do not match XXXX  or XXXX reporting and may contain inaccurate dates or duplicates. I request full verification and removal if they can not be verified.

B. Hard Inquiries I dispute the following Experian inquiries as unauthorized or misreported : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX I request proof of permissible purpose or deletion. 

XXXX XXXX XXXX Reporting I dispute the late payment reporting for these Experian accounts : XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX The payment history appears inaccurate. Please verify or correct/remove any unverifiable entries.

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-02 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: FL

Complaint narrative:
Items on report were discharged in bankruptcy and still showing on my report creating adverse decisions and need to be removed immediately!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Items on report were discharged in bankruptcy and still showing on my report creating adverse decisions and need to be removed immediately!!!!

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
A collection account is being reported on my credit report without proper validation or proof that I owe the alleged debt. I never received documentation or a notice of validation from the collection agency. Despite disputing the account, it remains on my file in violation of my rights under the Fair Credit Reporting Act ( FCRA ).

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 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I had a problem with an expensive transaction from XXXX that went on for MONTHS. I had to get Wells Fargo involved to try and facilitate communication since XXXX XXXX was not getting back to me. A MONTH after opening the dispute ( $ XXXX ) with Wells Fargo I learned they had done absolutely nothing. They didn't reach out to XXXX, they hadn't even documented the information I gave them on day one. Instead, they kept sending me information requests and I had learned they put the dispute into a " information needed queue '' which was going nowhere. So, I filed a CFPB complaint for them no doing anything XXXX and got a phone call saying " we're going to start working on it '' .... weeks went by and I ( without any bit of help from Wells Fargo ) was able to finally get my money back from XXXX Hardware. NOT to mention that this entire time XXXX was trying to issue $ XXXX in refunds to gift cards to me instead of the original payment method - which I did inform WFC of. About a week after the transaction was returned to my card ( which WFC can obviously see ) they gave me a " temporary credit '' of {$5600.00} to my card. Like XXXX? They're clearly not doing their jobs and not paying attention to anything that happens regarding this. Even now - DAYS after I've called and reported this to them - the adjustment remains and directly contradicts my daily balance keeping ( because I do not trust Wells Fargo to report activity accurately ).

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 2025-12-02 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: FL

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: KY

Complaint narrative:
On Saturday XX/XX/XXXX, my chime account was hacked and stolen from. I had gotten an email at XXXX XXXX saying new login detected and the location was from Illinois. Im in Kentucky. I didnt pay no mind because I thought the security system was better than it was. So later that day I tried to use my card and it declined and I found out that all my money is gone. A women named XXXX XXXX had hacked my account and sent all my money to HER account and kept it. I reported it and had a dispute on chime but the dispute was denied. Why would I report something if I willingly gave away {$95.00}?. But basically I was stolen from due to chimes poor security

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: FL

Complaint narrative:
I am a consumer trying to resolve my credit issues and am submitting this dispute for review regarding the accuracy and completeness of the information reported on my credit file. Below are the details of the accounts I am disputing. 

Please investigate the following accounts with the credit bureaus and update or correct the records as necessary. 

CHARGED OFF : ACCOUNT NAME : XXXX  XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$0.00} ACCOUNT NAME : XXXX  XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$0.00} ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$0.00} ACCOUNT NAME : XXXX  ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$0.00} ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$5100.00} ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$0.00} ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT XXXX : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$650.00} ACCOUNT NAME : XXXX XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$1300.00} ACCOUNT NAME XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$0.00} ACCOUNT NAME : BANKRUPTCY ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$0.00}

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 2025-12-02 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: TX

Complaint narrative:
I am filing this complaint because [ XXXX XXXX XXXX XXXX TransUnion ] has violated the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my written disputes, the bureau failed to conduct a reasonable reinvestigation within 30 days, continued reporting inaccurate accounts, and failed to provide written results. These actions violate 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ), 1681i ( a ) ( 6 ), and 1681e ( b ). Courts have consistently ruled that such conduct is unlawfulSessa v. TransUnion, LLC ( 2d Cir. 2023 ) confirmed all objectively verifiable inaccuracies must be corrected ; Dept. of Agriculture v. Kirtz ( U.S. 2024 ) held no entity is immune from FCRA liability ; and Norman v. TransUnion, LLC ( E.D. Pa. 2XXXX ) resulted in a {$23.00} XXXX settlement for failing to investigate disputes and allowing inaccuracies to remain. 

Accounts to Be Deleted : === INQ === XXXX : XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-12-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
2 fraud loans was opened in my name with XXXX XXXX XXXXXXXX and transunion credit

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 2025-12-02 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: AL

Complaint narrative:
I am writing to dispute certain entries on my Equifax credit report. After reviewing the report, I have identified inaccuracies and discrepancies that I believe violate the Fair Credit Reporting Act ( FCRA ). Additionally, there may be concerns related to data breaches that could have led to unauthorized access to my personal information. 
FCRA Violations The following accounts contain inaccurate information and should be corrected according to the FCRA : XXXX. XXXX Card Account Number : [ XXXX ] Date Opened : [ MM/DD/YYYY ] Discrepancy : Incorrect reporting of payment history. 
XXXXXXXX XXXX Automotive Account Number : [ XXXX ] Date Opened : [ MM/DD/YYYY ] Discrepancy : Incorrect balance reported as $ [ X ]. 
( Continue with additional accounts based on the provided details )

Company response to consumer: Closed with explanation